Privacy during policy renewal, simply explained.

Information we collect

When you request a quote, service a policy, or process a renewal through Insuremile, we collect personal and policy information necessary to calculate accurate premiums, communicate options, and ensure uninterrupted coverage.

Data collected is strictly limited to policy servicing, identity verification, and statutory renewal processing.

• Contact details: Name, email address, mobile number, and mailing address.
• Vehicle & policy records: Registration details, existing policy number, Insured Declared Value (IDV), and claim history.
• Transaction metadata: Payment confirmation tokens and billing records.

How we use your information

Your information is used solely to facilitate insurance comparison, issue policy quotes, process renewals, and provide customer support. Insuremile does not sell, rent, or lease your data to external telemarketers or unauthorized third parties.

• Calculating and displaying renewal quotes from authorized insurers.
• Dispatching critical policy expiration notices and renewal reminders.
• Assisting with endorsement updates and grievance resolution.

Data security & technical safeguards

We maintain practical administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, or alteration. All communication with our servers is encrypted using standard Transport Layer Security (TLS 1.3).

Payment processing is handled via PCI-DSS compliant gateways. Insuremile never stores raw credit card or bank account credentials.

Reminders & communications

To prevent lapses in mandatory motor and health cover, we may contact you by email, SMS, or messaging channels with renewal reminders, policy updates, and compliance notices.

• Automated alerts are triggered prior to your policy expiry date.
• Unsubscribe links are included in non-statutory communications.
• Support is available to update or adjust your notification preferences.

Third-party service providers

We work with trusted service providers (such as IRDAI-registered insurance companies, secure payment processors, and communication infrastructure providers) to complete policy issuance and servicing.

All third parties are contractually obligated to handle data confidentially and solely for specified policy servicing purposes.

Your rights & data choices

Subject to applicable law, you have the right to review, correct, or request updates to your personal information stored with us. You may also request clarification on how your data is processed.

• Request a copy of the personal information associated with your account.
• Update incorrect vehicle or contact information prior to policy binding.
• Opt out of optional promotional messages at any time.

Updates to this policy

We may update this Privacy Policy periodically to reflect changes in regulatory directives from IRDAI or updates to digital privacy regulations. Revised versions will be posted on this page with an updated effective date.