Privacy Policy

Depending on your relationship with us (for example, as our customer or broker) we collect:

General identification and contact information
For example your name, address, e-mail address, telephone number, date of birth and/or national insurance number.
Information to enable us to provide products and services
For example, details of property to be insured or travel plans, the names and age categories of the individuals you wish to insure, and payment and bank details.
Sensitive health and medical information
For example, we may need to ask medical questions to check eligibility for the insurance cover we offer or for dealing with a claim.
Telephone recordings
Calls to us may be monitored or recorded for quality, training and security purposes.
Additional information provided by you
For example, you may let us know your marketing preferences, enter a prize draw or competition or give feedback.
Information to investigate crime
We may collect and share information in order to prevent and investigate crime, including fraud and money laundering.
Your computer’s identity
This will be logged by our web server and anonymous information about how you use our website may be collected using computer cookies and web beacons (see Monitoring your use of our website below for more information about cookies and web beacons).

Your personal information will be kept secure using technical and physical security measures to prevent unauthorised access, and ensure safe disposal when information is no longer required.

Depending on your relationship with us (for example, as our customer or broker), your personal information may be used by us and our group companies for a variety of purposes, including:

• insurance administration, including claims processing and payment;
• making decisions on whether to provide insurance cover;
• prevention and investigation of crime, including fraud and money laundering;
• compliance with legal and regulatory requirements;
• providing marketing information, taking account of any preferences you have expressed to us (see Marketing – it’s your choice below for more information);
• providing access to products and services offered by selected third party partners;
• presenting our website in the right way on your computer and taking account of your website preferences.

We may transfer personal information outside of the European Economic Area for the above purposes. If we do so, we will ensure an appropriate level of protection for your information.

For the purposes described above (see How do we use personal information?) personal information may be shared with:

• our group companies in the UK and worldwide; 
 
• our service providers and agents;

These may include our UK group companies Chartis UK Services Limited, UNAT Direct Insurance Management Limited, Travel Guard EMEA Limited, and group companies in other countries and territories, for example the USA.

• insurers and reinsurers, brokers, representatives and selected third party partners; and

• other third parties, if required by law.

For example, we are required to register all third party claims for compensation relating to bodily injury to the UK Department for Work and Pensions.

To check information provided, and to detect and prevent fraudulent claims, information (including details of injuries) may be put on registers of claims and shared with other insurers. We may search these registers when dealing with claims to detect and prevent fraud.

If our business (or any part of it) is sold or transferred at any time, the personal information we hold may form part of the assets transferred, although it will still only be used as described in this Privacy Policy. We may also disclose information which we hold about you to a potential seller or buyer of any of our companies or parts of our business on a strictly confidential basis.

Unless you tell us not to, when you provide your personal information to us, you consent to us, our group companies and our selected third party partners, using your information to keep you informed by post, telephone, e-mail, mobile text messaging or other electronic means, about products and services which may be of interest to you. We would still like to do this after your existing policy has ended.

We, including our group companies and our selected third party partners, would like you to receive marketing information in the ways you prefer so you can choose to receive marketing information in particular ways (for example, you may prefer to receive information only by email) or to receive no marketing information at all.

We will provide you with regular opportunities to tell us your marketing preferences or ask us to stop send marketing information, including on our website and in our communications to you. You can also contact us by e-mail at ChartisDirect.Queries@chartisinsurance.com or by writing to: Marketing Preference Team, Chartis Direct, 96 George Street, Croydon, Surrey CR9 1BU, United Kingdom.

Even if you choose to stop receiving marketing information from us, we may still contact you to tell you service information about us or our website.

You can request access to information which we hold about you (we may make a small charge for this service) by e-mailing DataProtectionOfficer@chartisinsurance.com or writing to the Data Protection Officer, Chartis Insurance UK Limited, The Chartis Building, 58 Fenchurch Street, London EC3M 4AB.

We want to make sure that your personal information is accurate and up to date, so you may ask us to correct or remove information you think is inaccurate by e-mailing DataProtectionOfficer@chartisinsurance.com or writing to the Data Protection Officer, Chartis Insurance UK Limited, The Chartis Building, 58 Fenchurch Street, London EC3M 4AB.

We monitor how our website is used to see which features our visitors find popular or useful in order to help us improve our services. We also prepare user statistics or information summaries for our own use, and also to describe our services and their popularity to our third party business partners and advertisers.
For these purposes, we use cookie and web beacon services provided by third party service providers to collect information.

What are cookies?
“Cookies” are text files containing information which are stored on the hard drive of your computer to collect information about how you navigate to and through our website, how long you stay and about your computer, including, where available, your computer’s address on the internet, its operating system and the type of internet browser that you are using.

Cookies alone cannot be used to disclose your individual identity. The information they contain does not identify you, but it identifies your internet browser when you visit our website.

Cookies help us to:
• recognise you when you return to our website;
• deliver personalised content specific to your interests by storing information about your preferences; and
• speed up your searches.
You may refuse to accept cookies by activating the setting on your internet browser which allows you to refuse cookies. However, if you select this setting you may be unable to access or use certain features of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access our website. For information about how to disable cookies in your internet browser please visit: www.aboutcookies.org

What are web beacons?
“Web beacons” are electronic tags located in website content that are used to collect information remotely (we may also use other similar tags known as “pixel tags” and “clear GIFs”). This information is statistical data about internet browsing activity and patterns. It does not identify you or contain your contact information. We use it to help manage and optimise our on-line advertising. These tags enable us to recognise an internet browser’s cookie when that browser visits our website and learn which advertisements bring users to our website.

The information collected using cookies and web beacons is shared with our international group companies, our selected third party partners and service providers, including Omniture Inc (“Omniture”), which provide reports of this aggregated and anonymous data. To learn more about Omniture’s privacy standards and use of web beacons, please visit: www.omniture.com/company/acquisitions/visualsciences/privacy/policy

On-line advertisements
We use third party advertisement companies for the purpose of serving advertisements on other websites on which we advertise and measuring traffic coming from such websites. Information derived from your visits to our website and the websites on which we advertise is used to serve advertisements to you and a unique third party cookie will be placed or recognised on your internet browser. If you would like more information about your choices regarding the collection and use of this information by advertisement companies, please visit: www.networkadvertising.org

One of the advertisement companies is Google, Inc, trading as DoubleClick. To opt out from the DoubleClick advertisement cookie please visit: www.doubleclick.com/privacy/index.aspx 

 

Our website is on the internet and the transmission of information over the internet is not secure unless it is encrypted effectively. Whilst we use industry standard technology, including Secure Socket Layer (SSL) technology, to secure the information you enter on our website, we cannot guarantee the security of your information when it is being transmitted to or from our website and therefore any transmission of information to or from our website is at your own risk. We cannot guarantee that information that you voluntarily disclose on the internet outside of our website is kept private or take responsibility for any unauthorised access or loss of personal information on the internet that is beyond our control.

Our website may, from time to time, contain links to and from the websites of Chartis international group companies in other countries and territories, and our third party partner networks and advertisers. This Privacy Policy only applies to the website on which it is located and we do not accept any responsibility or liability for your use of other websites or applications. Read the privacy policies or notices of other websites or applications carefully before submitting any personal information. If you have any questions regarding privacy of your information on other websites, we suggest that you contact those websites directly.

If you are a broker, for your convenience, we may allow you to log into your broker account through our website. Please be aware that your login information is collected by the particular application to which you are logging into, and not by our website. Therefore, the collection, use and disclosure of your login information will be governed by the privacy policy applicable to that application and not by this Privacy Policy.

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements. We will place updates on our website at: www.chartisinsurance.com/uk/privacypolicy . Depending on the nature of the changes, we may also notify you directly.

This Privacy Policy was last updated on 8 July 2010.