Data Privacy Policy
This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.
Information we may provide to others
We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:
- in the processing of an insurance claim.
- in connection with a legal proceeding.
- with government agencies conducting examinations of our procedures.
- internal database marketing.
Data Protection
We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security.
This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.
Personal Information Restrictions
Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.
Internet Usage
Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.
Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.
Our website uses ‘cookies’ to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.
Sensitive Data
Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.
We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisations investigating insurance fraud.
Call Monitoring
We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.
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Marketing Preferences
We will use the details you have given us to provide you with information about the products and services of Cover-More Blue Insurance Services Limited which may interest you. However, we will not do so if you have already told us you do not want this information, see the ‘opt-out’ phone number email address below. We may also use your information for these purposes in the event that you do not take up a policy with us at this time and also after your policy has ended, unless you ask us not to.
We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below:
How we might contact you for marketing purposes?
From time to time we may contact you using the information you have provided in relation to our products and services in any of the following ways:
- By phone
- By post
- By email
- Through digital and/ or other remote applications
- Text messages
Why might we contact you?
We might contact you:
- about an enquiry you have made;
- with products or services offers from Cover-More Blue Insurance Services Limited;
- in relation to your policy or quote;
- to ask for your feedback/views on the products and services we provide;
- to tell you about any important changes to our website; or
- where there is another genuine reason for doing so
How to Opt out
You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ’opt-out’. If you want to ’opt-out’, please email us at optout@backpackertravelinsurance.com. Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.
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