Privacy Policy

This privacy notice was last updated on 30 May 2025

We are Agria Pet Insurance Limited. Looking after your personal data is important to us, and we want you to be able to understand how we do this.

This privacy notice explains how and what personal data Agria Pet Insurance Ltd and Agria Försäkring ("we", "our", "us") will collect and process and under what lawful basis. It applies to all of our customers and affiliates that we may work with.” you”, “your”).

Your privacy is very important to us, and we want you to feel confident in that, and so have made this notice as transparent as possible.

Please read this with care, as by using our services you agree to this privacy policy.

It is important that you read and retain this notice, so that you are aware of how and why we are using your personal data and what your rights are under applicable data protection legislation.

We may update this policy at any time, and we will notify you as and when is necessary to ensure that you are kept informed.

Who are we?

For the purpose of UK and Jersey data protection laws, the joint controllers are: May

Agria Pet Insurance Limited is the insurance intermediary and a limited company registered in England with the company registration number 04258783 and registered address 1st Floor, The Blue Leanie, Walton Street, Aylesbury, England, HP21 7QW.
Agria Försäkring who is the insurance underwriter and based in the same location as Agria Pet Insurance Limited, is the UK establishment of Forsakringsaktiebolaget Agria (Publ) with the company number FC031808 and is a limited liability company incorporated in Sweden.

Other Agria trading names we use are:

Kennel Club Pet Insurance
Lloyds Pet Insurance

We process your personal data in line with the UK General Data Protection Regulation (UK GDPR), The Data Protection Act 2018 and any other relevant data protection legislation.

The personal data we collect and process includes:

Identity: title, name, date of birth, your pet’s name
Contact: email address, postal address and telephone numbers (current and previous)
Financial: bank details
Transaction: details about payments to and from you and other details of policies (including any claims), products and services you have with us.
Profile: usernames or passwords for any online accounts you have set up with us
Usage: Information about how you use our website, policies, products and services
Technical: Data from you visiting our websites such as:
- IP addresses
- Browser type and version
- Domain
- Device type

Aggregated Data

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

Special Category Data

We do not actively collect special category data. We will only hold special category data if this is information you have volunteered to us and provided consent for which will help us service your insurance contract with us more efficiently.

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with an insurance quote and/or policy). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

We use different methods to collect data from and about you including through:

Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

apply for our products or services;
create an account on our website;
subscribe to our service or publications;
enter a survey;
engage with our social media posts;
request marketing to be sent to you; or
give us feedback or contact us.

Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. Please see our cookie policy which can be located on any of our websites, for further details.

Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:

Technical Data:

(a) Analytics providers such as Google Analytics; and

(b) HotJar tracking software.

Identity and Contact Data:

(a) affiliate you used who introduced you to us such as your breeder, vet, rehoming centre, micro-chipper or service dog provider.

How will we use the information about you?

Below are the reasons for collecting and processing this data and the legal basis in line with the relevant data protection laws:

Purpose/Activity	Type of data	Lawful basis for processing including basis of legitimate interest
To register you as a new customer	(a) Identity (b) Contact	Performance of a contract with you
To provide the insurance services under the contract to you, including: Servicing and managing your policy; Assessing, processing and paying claims for your policy; Contacting you in relation to your policy with non-marketing communications e.g. confirmation of policy set up, policy documentation, complaint communications, mid-term adjustment information, payment reminders and any communication in response to a query you have sent us	(a) Identity (b) Contact (c) Financial (d) Transaction	Performance of a contract with you
Contacting you to make suggestions and recommendations to you about goods or services that may be of interest to you, including: purchasing pet or equine insurance policies; obtaining free insurance policies; joining the Kennel Club Breeder Club for the litters that you have or may breed in the future; and offering discounts and other promotional offers that may become available as part of the service we provide to you.	(a) Identity (b) Contact (c) Technical (d) Usage (e) Profile (f) Marketing and Communications	Necessary for our legitimate interests (to develop our products/services and grow our business)
Targeting online advertising to you on other websites because we believe it is relevant to you. For example, we might ask Google or Facebook to either: show you adverts based on your characteristics or interests, e.g. to only show our advert to people interested in dogs, cats, rabbits or horses; or show you adverts based on your visit to our website, e.g. where you have read an article about specialist pet or equine insurance, we might show you an advert for one of our specialist pet or equine insurance products.	(a) Identity (b) Contact (c) Technical (d) Usage (e) Profile (f) Marketing and Communications	Necessary for our legitimate interests (to develop our products/services and grow our business)
To enable you to partake in a customer experience review	(a) Identity (b) Contact (c) Profile (d) Usage (e) Marketing and Communications	Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you	(a) Identity (b) Contact (d) Usage (e) Marketing and Communications (f) Technical	Necessary for our legitimate interests (to study how customers use our services, to develop them, to grow our business and to inform our marketing strategy)
Improving, enhancing and developing our insurance services and business operations	(b) Usage (c) Technical	Necessary for our legitimate interests (advance our services)
To administer and protect our organisation (e.g. reporting requirements)	(a) Identity (b) Contact (c) Financial	Necessary to comply with a legal obligation (necessary in order to fulfil our legal and/or regulatory obligations for the prevention of financial crime, to comply with financial sanctions legislation or The Companies Act 2006 and The Limitations Act 1980 for retaining personal, financial and contract data and The Finance Act 2021 for retaining financial data.
Website analytics, to see how many users visited our website in a certain timeframe, which pages were most popular, and which website visitors came from	(a) Technical	Necessary for our legitimate interests (to study how visitors use our website and view our services)

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising:

Promotional offers from us

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing). You will receive marketing communications from us if you have requested information from us or used any of our services and you have not opted out of receiving that marketing.

We may also utilise your identity, contact, technical, usage, and profile data to reach out and offer support in converting your quotation into a policy.

Third-Party Marketing

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.

Opting out

You can ask us or third parties to stop sending you marketing messages at any time by checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you. Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase, product/service experience or other transactions.

We may sometimes use an automated decision-making tool to assess claims where they have met a specific criterion. We utilise the information resulting from this to complete the assessment and make payment. You can ask for human intervention at any time by contacting info@kcinsurance.co.uk. We also use automated decisions during the quote process, and you have rights over these decisions.

We may sometimes use your data for profiling for purposes other than marketing or making automated decisions about you. This is limited to the essential services we provide in order for us to manage our relationship with you. We may use speech analytics on recorded telephone calls to help us identify vulnerable customers and complaints, deliver training and ensure quality control. This data is reviewed manually. You have the right to object to us using your data in this way. Please see the ‘What are your rights’ section, and the ‘How to contact us’ section for details about how to do this.

General Third Parties:

Our approved suppliers and contractors in order to be able to service our insurance policies effectively.
Our insurers, legal advisors or other third parties who need access to it in the context of managing, investigation or defending claims or complaints.
Our partner or affiliate where you were originally introduced to us in relation to your insurance policy e.g. your vet, breeder, rehoming centre, microchipping organisation or service dogs provider.
Your vet and/or therapist, to allow them to up-date your records that your pet/horse is insured with us and/or, if they are going to treat your pet/horse, to contacts us about your policy.
Other insurers, for the purpose of recovering any losses arising from a third-party animal causing injury that leads to a claim.

We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

Specific Third Parties:

Ecclesiastical Insurance Office plc in relation to any third party liability insurance cover you have within your insurance policy for your dog.
Catalyst Marketing Consultants for the purpose of customer market research.
Meta Platforms Inc, Google and LinkedIn for the purpose of providing advertisements relating to Agria products and services.

Other:

Regulatory or government bodies including police forces, local authorities or council, fraud prevention agencies, The Financial Conduct Authority, The Prudential Regulation Authority, the Swedish Financial Supervisory Authority (Finansinspektionen), The Financial Ombudsman Service, The Jersey Financial Service Commission (JFSC), Channel Islands Financial Ombudsman (CIFO), Jersey Office of the Information Commissioner (JOIC) and His Majesty’s Revenue & Customs (HMRC) when it is necessary to do so to ensure compliance with relevant legislation.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

All individuals have rights under data protection legislation which are listed below. Agria have measures and processes in place in order to deal with any requests made when exercising these rights.

Right to be informed

You have the right to be informed about the collection and use of your personal data. This information must be concise, transparent, intelligible, easily accessible, and it must be in clear and plain language. We provide this to you in the form of this privacy policy.

Right of access

You can request all personal data we hold on you. You have the right to contact us to request this using one of the contact methods stated below. We will review this and provide you with the information we have at the earliest opportunity, however, if the request is complex, we will contact you within 30 days to explain this and we may charge a fee for this if the request is excessive and/or manifestly unfounded. This right is also known as a ‘subject access request’.

Right to rectification

You have the right to rectification if your personal data is inaccurate or incomplete. We strive to ensure that we have the most accurate and up to date data, however, please advise us as soon as possible, if any of the information we hold on you is inaccurate and we will rectify it.

Right to erasure

You can request that your personal data is removed or deleted where there is no legal basis or compelling reason for this to be processed any longer. This right is more commonly known as the ‘right to be forgotten’.

Right to restrict processing

You have the right to request that the processing of your data is restricted in circumstances such as when you contest the accuracy of the data or when the processing is unlawful.

Right to data portability

Data portability allows you to obtain and reuse your personal data for your own purposes across different services. It allows you to move, copy or transfer personal data easily from one IT environment to another in a safe and secure way, without affecting its usability.

Right to object

You have the right to object to the processing of your personal data if you do not wish for it to be used for direct marketing purposes, and we must act on this. You can also object to any use of information where we have given ‘legitimate interest’ as our reason for using it. You must provide us with the reason for the objection and how it affects you as an individual.

Right not to be subject to a decision based solely on automated processing

You have the right to ask for human intervention where a decision has solely been or is due to be made by automated means.

Where you have provided consent for us to process the data that we hold on you, you have the right to withdraw your consent that you provided to us at any time. If you have provided us with your explicit consent to process your data, you can withdraw this at any time.

You have the right to lodge a complaint about the processing of your personal data with a Supervisory Authority. The relevant Supervisory Authority is The Information Commissioners Office (ICO) for the UK or The Office of the Information Commissioner (JOIC) for Jersey, please visit their website which advises you of the best method to contact them, www.ico.org.uk or www.jerseyoic.org. We would, however, appreciate the chance to deal with your concerns before you approach the ICO or JOIC, so please contact us in the first instance.

We will keep your personal data and telephone conversations for a minimum of 3 years and up to 11 years after you cancel your policy or after the last claim is closed, whichever is the latter. We are required to retain your data for the amount of time as required by law or in order to defend potential legal claims. For all personal data that we retain, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

We have a Data Protection Manager who has a high level responsibility for monitoring compliance with all relevant data protection regulations and is the lead contact for liaison with The Information Commissioners Office (ICO) and The Office of the Information Commissioner (JOIC).

To exercise any of your rights mentioned above or with any specific queries on the personal data we hold on you, please contact us by post or email using the below details:

The Data Protection Manager
Agria Pet Insurance Ltd
1st Floor
Blue Leanie
Walton Street
Aylesbury~Buckinghamshire
HP21 7QW

Email: dataprotection@agriapet.co.uk