Privacy Policy

1. Who are we?

Commercial and General Limited ("We", "Us", "Our") includes the brands Bettersafe.com, Insure Now, and Ian Coleman & Associates, all of which operate in the UK. We all take your privacy very seriously.

Commercial and General Ltd is the data controller for the processing of the personal information you provide to us when you use our Services. We are a private company limited by shares, registered in England & Wales under Company Reference Number 03994456, and our registered office address is Marvan Court, 1 Waldegrave Road, Teddington, TW11 8LZ.

If you have any queries regarding our use of your personal information, or any other data protection questions, please contact our Customer Services Team at info@comandgen.com.

This Privacy Policy explains how we will use personal information about you and the steps we take to ensure your personal information is kept secure and confidential in accordance with the following legislation:

The Data Protection Act 2018

UK General Data Protection Regulation 2018 (GDPR)

This Privacy Policy should be read together with our Terms of Business.

2. How do we collect personal information?

We may obtain personal information from you through the websites, mobile applications or other similar devices, channels or applications operated by or on behalf of any of the following brands:

Bettersafe.com

Insure Now

Ian Coleman & Associates

In some circumstances, we may use fellow group companies to perform data processing functions on our behalf, but this will not authorise any of our group companies to use your data outside these specific functions.

3. What personal information do we collect?

We collect personal information you provide when using our Services on any of our websites. For example, we may collect your name, address, date of birth, email address, or telephone number, as well as some details relevant to the products you are enquiring about. This might, for example, be to obtain an insurance quote, buy a product, or enter a competition.

When providing our Services to you, we may also store information about how you use our websites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your transactions, together with details of your financial information, for example, bank account or payment details. We ensure we have appropriate security measures to protect your information (see section 11, “How secure is our site and what steps do we take to keep you safe?” below). We will periodically review your personal information to ensure that we do not retain it for longer than permitted by law. See Section 14 below for details on how long we keep your personal information.

It is your responsibility to check and ensure that all information and data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

When providing our Services to you, we do not need to collect or process personal information that data protection legislation defines as sensitive personal information, such as medical history or criminal convictions.

We do not knowingly collect or store any personal information about children under the age of 16. If you are under 16, please get your parent or guardian’s permission before you provide any personal information to us.

If you are providing us with another person's information, you should first ask them to read this Privacy Policy and our Terms of Business. By providing us with information about another person, you confirm that they have given you consent to share it with us and that they understand how their details will be used.

To ensure the Services we provide continue to meet your needs, we may ask you for feedback on your experience of using the Sites. Any feedback you provide will be used solely for our programme of continuous improvement and will not be published on the Sites.

We may also use your personal data to invite you to provide a public review of our service on a third-party website. If you choose to respond to this invitation, you will be asked to submit your review directly to the third-party review site, and your use of that website will be subject to their own terms of business and privacy policy.

4. How do we use your personal information?

We may use your personal information:

To enable you to access and use the Services;

To personalise and improve aspects of our Services;

For research, such as analysing market trends and customer demographics;

To communicate with you, including some or all of the following:

Sending you information about products and services we think may be of interest to you. If you agree, we will contact you (depending on your contact preferences) via email, post, telephone, SMS, or other electronic means, such as social and digital media. This may include new product launches, newsletters, promotions, competitions and opportunities to participate in market research.

Sending you annual renewal quotes based on information you previously provided to us (if you have requested quotes) - when our systems indicate that your renewal is due (either when a policy you bought from us is due to expire, or based on the dates you entered for your most recent quote) we may resubmit your quote details to give you an idea of what your quotes could be for your next renewal.

Sending you a confirmation email of your quote. When you obtain a quote from us, you may automatically receive confirmation by email or SMS, so you have a record and can easily retrieve it later. This is a standard part of our Services, and by using the Services, you agree to receive these communications.

To process a transaction between you and a third party, such as an Insurer;

To track sales, which may involve us sharing data with your Insurer relating to the product(s) you have bought. Your Insurer may also send us information they hold relating to the product(s) you have purchased for this purpose;

To match our data with data from other sources, we may validate and analyse your information and, in some cases, match it against third-party-collected details to ensure the information we hold about you is as accurate as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs;

To enable you to share our content with others, e.g. by using any 'Recommend a friend' or 'Social Sharing' functionality on our Sites.

We will store the personal information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits (for example, when you visit our renewal sites).

We may monitor or record your calls, emails, SMS or other communications, but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as quality control and training (e.g., when you call our customer service helpline), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective system operation, to meet any legal obligation, and/or to prevent or detect crime.

5. Why do we process your personal information?

We will only collect and use your personal information (as described in section 4) in accordance with data protection laws. Our grounds for processing your personal information are as follows:

Contract – Where necessary, we will only collect and process your personal information if you have given your consent for us to do so. For example, we will only send you specific marketing emails and process any sensitive information about you with your consent.
Legitimate Interests – We may use and process some of your personal information where we have a legitimate and compelling business ground for doing so. Under UK privacy laws, there is a concept of “legitimate interests” as a justification for processing your personal information. Our legitimate interests in processing your personal information are:
To enable you to access and use the Services by searching the websites to obtain quotes, processing any transaction between you and a third party, and tracking sales. Using your information in this way is essential to our ability to provide the Services to you.
To communicate with you about the Services. We need to keep you informed about your use of the Services, for example, by sending you confirmation emails for your quotes and renewal notices. This won’t include marketing communications unless you have given us your consent to receive these; and
To improve our Services. We may use your personal information to: personalise aspects of our service, and for market research. We constantly aim to improve our Services to you, and using your personal information in this way helps us to do this.

You have a right to object to our use of your personal information for these legitimate interests, including where we may use it to create a profile to inform customer demographics. If you raise an objection, we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we are continuing to process it. Please contact our Customer Services Team at info@comandgen.com if you wish to exercise this right.

6. Who do we share your personal information with?

When you use any of our Services, we may disclose your personal information to the following parties:

Other members of the Commercial and General Ltd group.
Our commercial business partners, Insurers, underwriters, and other companies whose products or services we feature on our websites, with a view to them: (i) providing you with an Insurance product or other services which you have requested. When these companies use your personal information in this way, they will be acting as data controllers (or Joint Data Controllers, alongside us) of your information. Therefore, we advise you to read your chosen provider's Privacy Policy.
Our channel operators: whilst we run the majority of the channels on our websites, some are designed and maintained for us by our service providers. We may receive your personal information from these service providers and use it in accordance with Section 4 above. We will only use the personal information we receive from third parties where the relevant third party can show that it was collected and processed in accordance with the law.
Other service providers that we engage to help us provide specific services and/or functionality, such as hosting, data storage and analytics companies, including those listed in Section 8 below.
The Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring.
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
If required or permitted to do so by law;
If required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory or law enforcement agency;
If necessary in connection with legal proceedings or potential legal proceedings, and/or
In connection with the sale or potential sale of all or part of our business.
If we reasonably believe that false or inaccurate information has been provided and fraud is suspected, we may pass details to fraud prevention agencies or the Police to prevent fraud and money laundering.

7. Who might you provide your personal information to?

Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the policy) and verify the information that you have provided to us. Some providers may run checks with fraud prevention and credit reference agencies, both when you first buy your policy and at renewal (insurers generally run these checks to verify your identity and help prevent fraud and money laundering). If providers do these checks, they will be quotation searches only, but will be visible to other organisations. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, such as data from existing products, account data, data from previous product transactions, and accounts that you may already have with them. If you decide to enter into a contract with a provider through any of the Sites, the information you have provided to us, together with any further information requested by, and supplied by you or us to the provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information.

8. Third-party data processors

We use several third parties to process personal data on our behalf. These third parties have been carefully selected, and all comply with the legislation set out in section 1. Any third parties based in the USA are EU-US Privacy Shield Compliant.

Third-party Privacy Policy

9. What cookies do we use?

A cookie is a tiny text file placed on your computer or device. Cookies help us to:

Understand browsing habits on the websites;
Understand the number of visitors to the sites and the pages visited;
Remember you when you return to the sites, so we can provide you with access to previously saved quotes, or email you quote details; and
Facilitate navigation of the sites and retain the information you enter as you move from page to page when obtaining a quote or purchasing a product.

For more information on the cookies we use, please see our Cookie Policy.

10. What advertisement do we show on our websites?

Commercial and General does not feature third-party advertising on any of its websites, and no third-party cookies are deployed for this purpose. Commercial and General uses Display Advertising through Google Analytics, which enables advertisements and remarketing to be served on third-party websites across the internet based on searches made on any of the Sites. The Sites and third parties, including Google, use first- and third-party cookies to inform, optimise, and serve advertisements. You can opt out of, or customise, these advertisements using the Google Ads Preferences Manager.

11. How secure is our website, and what steps do we take to keep you safe?

The security of your personal data is very important to us, and our Sites use HTTPS to help protect your information. Security during the transfer is called the Secure Sockets Layer (SSL) and Transport Layer Security (TLS). SSL Certificates are small data files that digitally bind a cryptographic key to an organisation’s details. When installed on a web server, it activates the padlock and the HTTPS protocol, enabling secure connections from the server to the browser. Typically, SSL is used to secure credit card transactions, data transfers, and logins, and, more recently, it has become the norm for securing browsing on social media sites. However, no data transmission over the internet can be guaranteed to be totally secure.

Certain information, for example, your credit card details and personal details, are encrypted to minimise the risk of interception during transit. You may complete a registration process when you sign up to use parts of the websites or mobile applications. This may include creating a username, password, and/or other identification information. Any such details should be kept confidential by you and should not be disclosed to or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on the Sites where they are used. We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our sites, you accept the inherent risks of providing information online and will not hold us responsible for any security breaches. It might sometimes be necessary for us to transfer your personal information outside of the European Economic Area (EEA) to locations that may not provide the same level of protection as the UK. However, we will only transfer your personal information out of the EEA if we have put in place appropriate safeguards and protections as required under UK law, for example, by using a data transfer agreement incorporating specific standard model clauses.

12. How can you amend your preferences?

Any electronic marketing communications we send you will include clear and concise instructions for unsubscribing at any time. You may also amend your marketing preferences by contacting info@comandgen.com. Should you no longer wish to be contacted by us, you can advise us at any time by contacting our Customer Services Team on +44 (0)20 3582 1172 (lines are open 08:00 to 20:00 on Monday to Friday and 09:00 to 18:00 on Saturday and Sunday) or by sending an email to info@comandgen.com. If you no longer wish to be contacted by providers for marketing purposes, please follow the instructions in their marketing communications or consult their privacy policies for further information about unsubscribing.

13. Your personal data rights and how to contact us

You have certain rights under existing data protection legislation, including:

Right to access: the right to request copies of your personal information from us;

Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;

Right to erase: the right to request that we delete or remove your personal information from our systems;

Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;

Right to data portability: the right to request that we move, copy or transfer your personal information;

Right to object: the right to object to our use of your personal information, including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research and customer demographics (see section 5 above).

To make enquiries, exercise any of your rights set out in this Privacy Policy and/or make a complaint, please contact our Customer Services Team at info@comandgen.com

If you are not satisfied with the way we handle any complaint you make in relation to your personal information, then you may be able to refer your complaint to the relevant data protection regulator, which in the UK is the Information Commissioner’s Office.

This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

14. How long do we keep your personal information?

Unless a longer retention period is required or permitted by law, we will only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Policy, or until you request that it be deleted. If having registered for any of our Services, you do not use them for a reasonable time (which may vary depending on the Service(s) you’ve registered for) we may contact you to ensure you’re still happy to receive communications from us. Even if we delete your personal information, it may persist on backup or archival media for legal, tax or regulatory purposes.

15. Changes to this Privacy Policy

We reserve the right to amend or modify this Privacy Policy at any time, and any changes will be published on our websites. The date of the most recent revision will appear on this page. If we make significant changes to this policy, we may also notify you by other means, such as sending an email. Where required by law, we will obtain your consent to make these changes. If you do not agree to any changes, please do not continue using our websites.

Last updated January 2026