The UK branch of HDI Global SE is committed to ensuring that your personal data
and privacy is properly protected.
“Personal Data” is information that identifies and relates to you or
other individuals, for example beneficiaries under your insurance policy.
collect both through this website and through other means for example your application
and claim forms, telephone calls, e-mails and other communications with us, as well
as from claim investigators, medical professionals, witnesses or other third parties
involved in our business dealings with you.
information or other practices of any third parties operating any site or service
to which this website links.
2. What Personal Data do we collect?
The Personal Data that we collect will depend on your relationship with us.
We will collect different information depending on whether you are a policyholder,
beneficiary under a policy, claimant, witness, broker or other third party.
We will only collect such personal data as we need in order to provide our services
or otherwise with your consent.
Please note, in certain circumstances we may request and/or receive “Sensitive
Personal Data” about you. For example we may need access to health records for
the purposes of processing claims or details of any criminal convictions for the purposes
of preventing, detecting and investigating fraud.
If you provide Personal Data to us about other individuals you agree: (a) to inform
consent for the processing of that individual’s personal data in accordance
3. Sources of Personal Data
We may receive Personal Data directly from you as well as from brokers, previous
insurers, claim investigators, medical professionals, witnesses, claimants, other
beneficiaries under an insurance policy or other third parties involved in our business
dealings with you.
We may also obtain additional data from fraud and theft detection and credit reference
4. How do we use the Personal Data we collect?
Our uses of your Personal Data will depend on your particular relationship with
us. We may use your Personal Data to:
- Assess your eligibility for and providing our services to you
- Communicate with you and others as part of our services
- Resolve complaints
- Provide improved quality, training and security (for example, with respect to
recorded or monitored phone calls to our contact numbers)
- Manage our business operations including accounting, auditing, reporting and business
- Prevent, detect and investigate crime, including fraud and money laundering
- Comply with applicable laws and regulatory obligations (including laws outside
your country of residence), such as those relating to anti-money laundering and anti-terrorism
- Establish and defend legal rights
- Provide marketing information to you (including information about other products
and services offered by selected third-party partners) in accordance with preferences
you have expressed
- Deal with any other services you request or enquiry you may make with us
5. Who we will share your information with
Our Group Companies
We may share your personal data with certain of our group companies, but only for
who have a need to access the information for our business purposes.
In the event that we undergo re-organisation or are sold to a third party any Personal
Data we hold about you may be transferred to that re-organised entity or third party.
In the course of providing quotes, providing insurance and processing claims, we
may make Personal Data available to brokers, other insurers; reinsurers; companies
who act as distributors; affinity marketing partners; and financial institutions,
securities firms and other business partners.
To check information provided, and to detect and prevent fraudulent claims, Personal
Data may be put on registers of claims and shared with other insurers. We may search
these registers when dealing with claims to detect, prevent and investigate fraud.
Personal Data may also be placed on claims portals. The Ministry of Justice
has mandated that personal injury claims falling within the scope of the pre-action
protocols must be processed using the Claims Portal further information about which
is available at http://www.claimsportal.org.uk/en/about/why-the-claims-portal/#sthash.oQwGWHNw.dpuf
Our Service Providers
Often we will need to share your data with professional advisors such as lawyers,
claim investigators and adjusters, medical professionals, accountants, auditors and
We also engage third party service providers to provide our IT systems; printing,
advertising, marketing and market research; document and records management providers;
and similar outsourced service providers that assist us in carrying out business activities.
In each case, we require these service providers only use the Personal Data as
is necessary to carry out these services.
Public Authorities and Third Parties Involved in the Legal Process
If we believe it to be necessary or appropriate:
- to comply with applicable law, including laws outside your country of residence
- to comply with legal process
- to respond to requests from public authorities
To protect our rights and/or that of our group companies, you or others we may
share Personal Data with the applicable:
- governmental or other public authorities including, but not limited to courts,
the police, tax authorities and criminal investigations agencies
- parties to civil claims and their lawyers and other advisors and representatives
6. Terms specific to Motor Fleet Policies
Motor Fleet Policies operating with Telematic Devices
Some of our motor fleet policies operate with the use of telematics devices fitted
into the vehicles monitoring driver behaviour. We only process anonymised data
collected from these devices unless and until we are provided with personal data in
the context of handling a claim. Up until that point, the insured under these
motor fleet policies is responsible for the privacy, information or other practices
relating to the data collected by them through these telematics devices. Once
we have data from which an individual can be identified by us, we will process that
All Motor Fleet Policies
Details of all of our fleet motor insurance policies including vehicle registration
numbers will be added to the Motor Insurance Database run by the Motor Insurers
Information Centre ("MID"). MID data may then be used by:
- the DVLA and DVLA Northern Ireland for the purpose of Electronic Vehicle Licensing;
- the police for the purpose of establishing whether a driver's use of the vehicle
is likely to be covered by a motor insurance policy and/or preventing or detecting
- other insurers if you are involved in an accident to ascertain relevant policy
- persons with a valid claim in respect of a road traffic accident.
Further information is available at www.miic.org.uk.
7. International Transfers
We may transfer Personal Data to parties located in other countries (including
countries outside the EEA that have a different data protection regime than we have
in Europe). We always ensure that appropriate safeguards are in place before
permitting this transfer.
We will take appropriate technical, physical, legal and organizational measures
to protect your Personal Data. When we provide personal information to a service
provider, the service provider will be selected carefully and required to use appropriate
measures to protect the security of your personal information.
However, no data
transmission can be guaranteed to be 100% secure. If you have reason you feel that
the security of any Personal Information you might have with us has been compromised),
please immediately notify us (See the “Who to Contact About Your Personal Data”
We will retain Personal Information for the period necessary to fulfill the purposes
10. Who to Contact about your Personal Data
If you have any questions about our use of your Personal Data you can e-mail: DataProtection3@uk.hdi.global
or write to the Data Protection Officer, HDI Gerling 10 Fenchurch St, London EC3M
Under the Data Protection Act 1998 you are entitled to receive a copy of the Personal
Data we hold about you.
To receive a copy, please contact our Data Protection Officer, providing your name,
address and your policy number if applicable. Please enclose a cheque for £10
payable to HDI Global SE.
To assist the process, please try to specify exactly what personal data it is you
require. Examples of this could be copies of calls, letters and emails, loss adjustor
Please be aware that once we have the information we need to process your request,
under the Act we have 40 calendar days in which to respond.