Zurich Insurance plc ('Zurich') is committed to protecting your privacy, and will not collect any personal information about you on our website without your clear permission. Any personal information volunteered will be treated with the highest standards of security and confidentiality, strictly in accordance with the Data Protection Act, 1988 & (Amendment) Act 2003.
Collection and Use of Customer Data
Zurich uses your Customer Data for the provision and administration of insurance products and related services. Examples of the actual or possible uses of your Customer Data are: processing your insurance application, processing claims, statistical analysis, underwriting purposes, fraud prevention, market research, risk management and the provision of advice. This gathering of information is consistent with our offline work practices.
Your Customer Data may also be used by Zurich to provide you with information about products and services from us or other products and services which are arranged for you by us with other companies within the Zurich Insurance Group or with a third party. We operate a strict opt-out policy, such that all direct marketing material contains the option to opt-out of future direct marketing. Furthermore, you may opt-out at any time by writing to the Data Protection Officer at the address detailed above.
In order to prevent and detect fraud and the non-disclosure of relevant information Zurich may at any time:
• Share information about you with companies within the Zurich Insurance Group, other organisations outside the Zurich Insurance Group including where applicable private investigators and public bodies including An Garda Síochána
• Check and / or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this.
• Below is a sample of such databases used:
o The Insurance Link Anti-Fraud register (for more info see www.inslink.ie),
o The Integrated Information Data System (‘IIDS’) to verify information including penalty points and NCD,
o MIAFTR (Motor Insurance Anti-Fraud and Theft Register) operated by the Association of British Insurers in the UK to logs all insurance claims relating to written-off and stolen vehicles in the UK
o The National Vehicle File maintained and supported by the Department of Transport, Tourism and Sport, containing details of all registered vehicles in the Republic of Ireland.
o Companies Registration Office
The databases used are not limited to those listed above and are subject to change at any time.
Zurich may also use your personal data, the personal data of your named drivers or members of your household, information about your vehicle or property to search these agencies, databases and other publically available information to:
• Help make decisions about the provision and administration of insurance, credit and related services for you
• Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your insurance policies with Zurich
• Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity
• Undertake credit searches and additional fraud searches.
Disclosure of Customer Data
Zurich considers your Customer Data to be private and confidential. Zurich may sometimes disclose information about you to agents or service providers appointed by us, regulatory bodies, other insurance companies (directly or via a central register) and other companies within the Zurich Insurance Group and our partners both inside and outside of the European Economic Area in connection with the provision of services to you. Zurich may access and/or disclose your Customer Data if required to do so by law or in the good faith and belief that such action is necessary to: (a) conform with the law or comply with legal process served on Zurich; (b) protect and defend the rights or property of Zurich including, without limitation the security and integrity of our network; or (c) act under pressing circumstances to protect the personal safety of users of our services or members of the public.
Access to and Rectification of your Customer Data
Under the Data Protection Acts, you are entitled to copies of your Customer Data held by us as data controller. We will provide you with a copy of the Customer Data kept by us as soon as may be practicable and in any event not more than 40 days after the request in writing. To access your data, a fee of €6.35 is chargeable. All requests should be addressed to the Data Protection Officer, at the address detailed above. If the information we hold about you is inaccurate, please let us know and we will make the necessary amendments and confirm that these have been made within 40 days of receipt of your request. There is no fee for this.
We will hold on to your Customer Data for as long as necessary for the purposes of providing insurance products and related services to you and so as to comply with legal and regulatory requirements.
Insurance-Link Central Register
The Insurance Link Central Register is maintained by Insurance companies under the auspices of Insurance Ireland. Information about claims (whether by our customers or third-parties) made under policies that we provide is collected by us when a claim is made and is placed on Insurance Link. The information is shared with other insurance companies. It is part of Insurance Ireland’s campaign in the fight to eradicate fraudulent claims. Where appropriate, information may be passed to relevant enforcement agencies
Insurance companies share claims data:
a. to ensure that more than one claim cannot be made for the same personal injury or property damage
b. to check that claims information matches what was provided when insurance cover was taken out
c. and, when required, to act as a basis for investigating claims to verify recorded information or when we suspect that insurance fraud is being attempted.
The purpose of Insurance Link is to help us identify incorrect information and fraudulent claims and, therefore, to protect customers.
Information about insurers’ obligations in relation to your information is contained in the Data Protection Commissioner’s Code of Practice on Data Protection for the Insurance Sector which is available at www.dataprotection.ie
You have a right of access to customer data held about you by Insurance Link Central Register. For more information write to our Data Protection Officer at the address mentioned above.
Security of Customer Data
Zurich is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect Data from unauthorised access, alteration, use, disclosure, accidental loss or destruction. For example, we store the personal information you provide on computer systems with limited access, located in controlled facilities. When we transmit highly confidential information (such as a credit card number) over the internet, we protect it through the use of 128 bit Secure Sockets Layer (SSL) encryption and secure servers. Although Zurich utilises modern industry-strength security processes and technology, it is not possible to guarantee complete information security, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the internet. Zurich will continue to revise policies and implement additional security features as new technologies become available.
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Last updated: June 2014