Privacy Policy

1. About this Privacy Policy

SafeDrive Cover respects your privacy and is committed to protecting the personal information we collect, use, store, and disclose.

This Privacy Policy explains how SafeDrive Cover handles personal information in connection with our motor protection, rideshare vehicle cover, taxi vehicle cover, quote, claim, fleet, agency, website, and customer support services.

This Privacy Policy applies to personal information collected from:

• rideshare drivers;
• taxi drivers;
• chauffeur and passenger transport drivers;
• taxi operators and fleet owners;
• rideshare and taxi agencies;
• website visitors;
• claimants and third parties involved in claims;
• repairers, assessors, brokers, agents, suppliers, and business partners;
• individuals who contact us by phone, email, online form, social media, or other communication channels.

This Privacy Policy should be read together with any applicable Product Disclosure Statement, Financial Services Guide, policy wording, quote documents, application forms, claim forms, website terms, and other notices provided to you.

2. What personal information we collect

The personal information we collect depends on how you interact with us and the services you request.

We may collect the following types of personal information:

Personal and contact details

• full name
• Residential address
• business address
• email address
• phone number
• date of birth
• preferred contact method
• emergency contact details where relevant

Driver and vehicle information

• driver licence details;
• vehicle registration number;
• vehicle make, model, year, VIN, and odometer reading;
• vehicle photographs;
• vehicle usage details;
• whether the vehicle is used for rideshare, taxi, chauffeur, hire car, delivery, private use, or mixed use;
• rideshare or taxi platform details where relevant;
• taxi licence, accreditation, operator, or permit details where applicable;
• garaging address and usual operating locations;
• details of nominated drivers or additional drivers.

Quote, policy, and cover information

• information submitted in quote forms;
• selected cover type;
• policy preferences;
• cover history;
• previous insurer or cover provider details;
• claims history;
• risk-related information reasonably required to assess eligibility, pricing, underwriting, or claim handling.

Claim and incident information

If you make a claim or are involved in an incident, we may collect:

• accident or incident details;
• date, time, and location of incident;
• photographs, dashcam footage, documents, and other evidence;
• police report details where applicable;
• details of passengers, third parties, witnesses, or other drivers;
• repair quotes and invoices;
• towing and storage records;
• assessment reports;
• rideshare or taxi trip records relevant to the incident;
• correspondence with repairers, assessors, claims administrators, insurers, underwriters, legal advisers, or regulatory authorities.

Payment and billing information

We may collect:

• billing details;
• payment status;
• invoice details;
• transaction references;
• direct debit or payment authorisation details where applicable.

We do not store full credit card numbers unless expressly stated and handled through secure, compliant payment systems.

Agency, fleet, and business information

For taxi agencies, rideshare agencies, operators, and fleet customers, we may collect:

• business name;
• ABN/ACN;
• authorised contact person details;
• fleet size;
• vehicle list;
• driver list;
• business address;
• operating areas;
• agency or operator accreditation details;
• payment and account information.

Website and technical information

When you use our website, we may collect:

• IP address;
• browser type;
• device type;
• pages visited;
• time spent on pages;
• referring website;
• location data inferred from your device or browser;
• cookies and tracking data;
• form submission data;
• analytics and advertising interaction data.

3. Sensitive information

Sensitive information may include information about your health, injury, disability, racial or ethnic origin, biometric information, criminal record, or other information treated as sensitive under Australian privacy law.

We will only collect sensitive information where:

• it is reasonably necessary for our services;
• you have consented;
• it is required or authorised by law;
• it is necessary for a claim, dispute, investigation, or legal process;
• another permitted exception applies.

Examples may include injury information after an accident, medical information relevant to a claim, or police report details where legally required or reasonably necessary.

4. How we collect personal information

We may collect personal information directly from you when you:

• request a quote;
• complete an online form;
• apply for cover;
• make a claim;
• contact our support team;
• subscribe to updates;
• speak with us by phone;
• send us documents;
• use our website;
• communicate with us through email, SMS, social media, or chat.

We may also collect personal information from third parties, including:

• taxi or rideshare agencies;
• fleet operators;
• nominated drivers;
• insurance brokers or authorised representatives;
• insurers, underwriters, or claims administrators;
• repairers, assessors, towing providers, and vehicle inspection providers;
• payment processors;
• fraud prevention and identity verification providers;
• police, courts, tribunals, regulators, or government agencies where permitted;
• publicly available sources;
• third-party platforms where you have authorised the disclosure.

Where practical, we will collect personal information directly from you.

5. Why we collect, use, and disclose personal information

We collect, use, and disclose personal information for purposes connected with our business, including to:

• provide quotes;
• assess eligibility for cover;
• arrange, administer, or support motor protection services;
• manage rideshare, taxi, commercial passenger vehicle, and fleet cover enquiries;
• process applications;
• verify identity and vehicle details;
• communicate with you;
• provide customer support;
• manage claims;
• assess accidents or covered events;
• organise repairs, assessments, towing, or related services;
• process payments, refunds, and invoices;
• manage agency or fleet accounts;
• comply with legal, regulatory, and licensing obligations;
• prevent, detect, and investigate fraud, unlawful conduct, or misuse of services;
• handle complaints and disputes;
• improve our website, services, systems, and customer experience;
• conduct internal reporting and business administration;
• send service-related communications;
• send marketing communications where permitted by law.

We may also use de-identified or aggregated information for reporting, analytics, product improvement, risk assessment, and business planning.

6. Disclosure of personal information

We may disclose personal information to:

• insurers, underwriters, cover providers, brokers, authorised representatives, or claims administrators;
• repairers, towing providers, vehicle assessors, inspection providers, and parts suppliers;
• taxi and rideshare agencies where relevant to fleet or agency arrangements;
• payment processors and billing providers;
• IT, hosting, cloud storage, CRM, email, SMS, analytics, cybersecurity, and software providers;
• identity verification and fraud prevention providers;
• professional advisers, including lawyers, accountants, consultants, and auditors;
• debt collection or recovery agents where lawful and necessary;
• regulators, law enforcement bodies, courts, tribunals, dispute resolution bodies, or government agencies where required or authorised;
• other parties involved in a claim, accident, investigation, or dispute;
• third parties you have authorised us to deal with.
• We will not sell your personal information to unrelated third parties.

7. Overseas disclosure

Some of our service providers may store or process information outside Australia. This may include cloud hosting, customer relationship management, analytics, email, marketing, payment, or support platforms.

Countries may include, depending on the providers used:

• Australia;
• New Zealand;
• United States;
• United Kingdom;
• Singapore;
• India;
• European Union countries;
• other countries where our technology or service providers operate.

Where we disclose personal information overseas, we will take reasonable steps to ensure that the recipient handles the information in a way that is consistent with applicable Australian privacy obligations, unless an exception applies.

8. Website cookies and analytics

Our website may use cookies, pixels, tags, analytics tools, and similar technologies to:

• operate the website;
• remember user preferences;
• understand website traffic;
• improve website performance;
• measure advertising effectiveness;
• support remarketing or promotional campaigns;
• identify technical issues.

You can usually manage cookies through your browser settings. Disabling cookies may affect some website functions.

We may use tools such as Google Analytics, Meta Pixel, Google Ads, or similar platforms. These platforms may collect information about your device, browsing activity, and interactions with our website.

9. Direct marketing

We may use your personal information to send you marketing communications about SafeDrive Cover products, services, promotions, updates, or relevant information for rideshare drivers, taxi drivers, fleet operators, and agencies.

We will only send electronic marketing communications where permitted by law.

You can opt out of marketing communications at any time by:

• clicking the unsubscribe link in an email;
• replying STOP to SMS where available;
• contacting us at [Insert Privacy Contact Email].

Even if you opt out of marketing, we may still send you important service-related communications, such as quote, policy, claim, payment, safety, legal, or account notices.

10. Security of personal information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, and disclosure.

Security measures may include:

• access controls;
• password protection;
• secure cloud systems;
• encryption where appropriate;
• staff confidentiality requirements;
• secure document storage;
• system monitoring;
• data backup processes;
• secure disposal or deletion procedures;
• limiting access to personal information on a need-to-know basis.

No method of electronic transmission or storage is completely secure. While we take reasonable steps to protect information, we cannot guarantee absolute security.

11. Data retention

We keep personal information for as long as reasonably necessary for the purposes for which it was collected, including to:

• provide services;
• manage quotes, policies, claims, and accounts;
• comply with legal, regulatory, accounting, tax, and record-keeping obligations;
• resolve disputes;
• prevent fraud;
• maintain business records.

When personal information is no longer required, we will take reasonable steps to destroy it, delete it, or de-identify it, unless we are required or permitted by law to retain it.

12. Accessing your personal information

You may request access to the personal information we hold about you by contacting us at:

Email: [Insert Privacy Contact Email]

Phone: [Insert Phone Number]

We may need to verify your identity before providing access.

In some circumstances, we may refuse access where permitted by law, including where providing access would:

• unreasonably affect another person’s privacy;
• prejudice an investigation;
• reveal commercially sensitive information;
• breach legal obligations;
• be frivolous, vexatious, or unlawful.

If we refuse access, we will provide reasons where reasonable and lawful to do so.

13. Correcting your personal information

We aim to keep personal information accurate, complete, and up to date.

You may ask us to correct your personal information if you believe it is inaccurate, out of date, incomplete, irrelevant, or misleading.

To request a correction, contact us at:

Email: [Insert Privacy Contact Email]

We may ask for supporting information where necessary, especially where the correction relates to identity, vehicle, licence, claim, or policy details.

14. Complaints about privacy

If you believe we have mishandled your personal information, you can make a privacy complaint by contacting us at:

Privacy Officer: [Insert Name or “Privacy Officer”]

Email: [Insert Privacy Contact Email]

Phone: [Insert Phone Number]

Address: [Insert Postal Address]

Please include:

• your name and contact details;
• details of your concern;
• any relevant documents or communications;
• the outcome you are seeking.

We will acknowledge your complaint and aim to respond within a reasonable timeframe.

If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner.

15. Notifiable data breaches

If we become aware of a data breach involving personal information, we will take steps to contain, assess, and respond to the incident.

Where required by law, we will notify affected individuals and the Office of the Australian Information Commissioner if the breach is likely to result in serious harm and we have not been able to prevent that risk through remedial action.

16. Third-party websites

Our website may contain links to third-party websites, platforms, insurers, payment providers, social media pages, or partner websites.

We are not responsible for the privacy practices, content, or security of third-party websites. You should review the privacy policy of any third-party website before providing personal information.

17. Information about other people

If you provide personal information about another person, such as an additional driver, passenger, witness, agency driver, employee, or fleet contact, you must ensure that:

• you are authorised to provide that information;
• the information is accurate;
• the person is aware that their information may be provided to us;
• the person is aware of this Privacy Policy where reasonable.

18. Agency and fleet customers

Where an agency, taxi operator, fleet owner, or business customer provides personal information about drivers, staff, contractors, or vehicle users, that customer is responsible for ensuring it has appropriate authority to share that information with us.

This may include notifying drivers that their personal information may be used for quote assessment, cover administration, claims management, risk assessment, billing, compliance, and related business purposes.

19. Children and minors

Our services are intended for adults and business customers. We do not knowingly collect personal information from children unless it is necessary for a claim, legal matter, passenger incident, or other permitted purpose.

If we become aware that we have collected personal information from a child without appropriate authority, we will take reasonable steps to handle that information lawfully and appropriately.

20. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business, services, technology, legal obligations, or privacy practices.

The updated version will be published on our website with the effective date. Your continued use of our website or services after an update means the updated Privacy Policy applies, to the extent permitted by law.

21. Contact us

For privacy questions, access requests, correction requests, complaints, or concerns, contact:

SafeDrive Cover Privacy Officer

Email: admin@safedrivecover.com.au

Phone: 1300764772

Postal Address: Suite 23/27 Hunter Street, Parramatta NSW 2150

Website: www.safedrivecover.com.au