Privacy Policy

1. Information We Collect

a. Information You Provide Directly

We collect personal information that you voluntarily provide to us, including when you:

• Request an insurance quote or apply for a policy
• Create an account or log into our website
• Contact us by phone, email, web form, or text message
• Opt in to receive SMS/text communications from us
• Submit a claim or request customer service

This information may include your name, mailing address, email address, phone number (including mobile number), date of birth, driver’s license information, vehicle information, insurance history, and payment information.

b. Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including your IP address, browser type and version, pages visited, time and date of your visit, and referring URL. We may use cookies and similar tracking technologies for this purpose.

c. Information from Third Parties

We may receive information about you from third-party sources, such as insurance carriers, credit reporting agencies (where permitted by law), motor vehicle records, and public databases, in order to provide you with accurate quotes and manage your policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, process, and manage insurance quotes, applications, and policies
• To communicate with you about your policy, claims, renewals, or account
• To send you service-related notifications and reminders (including by SMS, if you have opted in)
• To respond to your inquiries and provide customer support
• To comply with legal obligations and regulatory requirements
• To detect and prevent fraud and other unauthorized activity
• To improve our website, services, and customer experience
• To send marketing communications where you have given consent or where permitted by law

3. Text Messaging (SMS) Communications

By opting in to receive text messages from New Road Insurance, you consent to receive SMS/MMS messages at the mobile number you provide. These messages may include:

• Policy reminders and renewal notices
• Payment confirmations and billing alerts
• Claims status updates
• Customer service follow-ups
• Appointment reminders
• Promotional offers and announcements (where separately consented)

Message frequency varies based on your policy activity and preferences. Standard message and data rates may apply. Reply STOP at any time to opt out of text messages. Reply HELP for assistance or contact us at [email protected].

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

a. Insurance Carriers and Underwriters

We share information with insurance carriers and underwriters as necessary to provide you with quotes and administer your policy.

b. Service Providers

We work with third-party vendors who help us operate our business, including IT and cloud services, payment processors, SMS messaging platforms, and customer support tools. These vendors are contractually required to use your information only to provide services on our behalf.

c. Legal and Regulatory Requirements

We may disclose your information when required by law, subpoena, court order, or applicable regulations, or to protect the rights, property, or safety of New Road Insurance, our customers, or others.

d. Business Transfers

If New Road Insurance is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

e. With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to maintain your insurance policy, to comply with applicable legal and regulatory obligations, and to resolve disputes or enforce our agreements.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure.

7. Your Privacy Rights and Choices

a. Access and Correction

You may request access to the personal information we hold about you or ask us to correct inaccurate information by contacting us at the details below.

b. Opt-Out of Marketing

You may opt out of marketing email communications by clicking the “unsubscribe” link in any marketing email. You may opt out of SMS marketing messages by replying STOP to any text message you receive from us.

c. California Residents (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information we collect, disclose, or sell; the right to request deletion of your personal information; the right to opt out of the sale of personal information (we do not sell personal information); and the right to non-discrimination for exercising your privacy rights.

d. Other State Privacy Rights

Residents of certain other states (including Texas, Virginia, Colorado, and others) may have additional privacy rights under applicable state law. Please contact us to learn more.

8. Children’s Privacy

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated policy on this page with a new effective date and, where appropriate, notify you by email or SMS.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us: