Emerald Life Privacy Policy

(Updated January 2023)

All of our products are available to be purchased by UK residents.

When we say ‘we’ or ‘our’ we mean Emerald Life, our underwriters, our claims handlers and anyone associated with the administration of your insurance policy.

When we say ‘you’ or ‘your’, we mean anyone whose personal information we may collect, including:

This policy explains how we collect and use your personal information.

When providing personal information about others, you confirm that you have the consent of these individuals to supply their personal information. We are unable to offer you any product or service unless you provide explicit consent for the collection and use of sensitive personal data as defined in data protection laws. You have the right to withdraw your consent at any time. This may limit or terminate the contract of insurance that you have arranged through us., or any services that we may provide. 

As with all other insurance companies, we collect certain information that you provide in the process of buying a policy from us or if you volunteer information that enables us to keep in touch with you.

This information may include personal details that you submit including your name, address, email address, date of birth and so on.

We will only ever contact you at your request or if you have opted to receive information from us from time to time, or as part of the administration of your policy.

We also gather data that enables Emerald to track how you use this website – which pages you visit and so on. This helps us to provide you with the most relevant information when you visit the website.

We use “cookies” to collect this data. A cookie is information that any website puts on your internet-enabled device so that it can remember you at a later stage. Typically, a cookie records your preferences when using a particular site. Further details on cookies are available on our Cookie Policy page. You can disable cookies on your computer by selecting the relevant option on your browser.

How we use your information

We only use your information to administer the sale of our products to you, the consumer. The processing of information you provide is necessary for the performance of the contract, including:

We will never share your information with third parties that are not directly involved in the administration of our insurance policies or analysis and research, unless you have given us specific free consent to do so, but we may share it with other Emerald companies as part of our efforts to offer you better services and products, again only if you have given us specific free consent to do so. W may also share your information in the event that we wish to sell all or part of our business.

Our partners that are involved in the administration of our insurance policies include our underwriters, claims handlers and our customer call centre provider.

Information may also be disclosed to regulatory organisations that oversee our activities as a UK regulated entity.

In addition, we may use your information for the purposes of renewing your policy, or in rare instances, for the purposes of crime prevention.

What personal information we collect

We collect the following types of personal information about you so that we can complete the activities outlined above:


From time to time, if you have freely consented for us to do so, Emerald may contact you by email, telephone, SMS or via other means, such as on social media sites, to tell you about products and services that we hope will be of interest to you.

You may opt out of receiving this type of information at any time.

Emerald takes every step possible to secure your personal data. However please note that emails are not secure unless they are encrypted and Emerald will not be held responsible for any unauthorised access or interception of emails from your computer or email-enabled device.

How long do we keep your information for?

We are only allowed to keep your personal information if we need it for one of the reasons we set out above.

As a general rule, we will keep it for 6 years from the end of your relationship with us, as it is likely that we will need the information for regulatory reasons, fraud prevention, or to defend a claim. For example, should you wish to bring some form of legal action relating to your relationship with us, this would generally need to be done within 6 years from the end of that relationship. However there may be exceptions where we need to keep your personal information for longer, such as where there was a question of fraud.

We will also retain data in an anonymous form for statistical and analytical purposes.

Your rights

You have the right to:

You can contact us on any subject concerning your data and privacy at customerservice@emeraldlife.co.uk.