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Privacy Policy of Zurich Insurance plc

This Privacy Policy explains how Zurich Insurance plc ("Zurich, we, us, our") will use your personal information when you use this website. We will be the 'data controller', i.e. we will be responsible for decisions about how your data will be processed, for the purposes of data protection legislation.

What personal information will you collect about me?

When you use our website to get a quote, we will collect personal information about you, including, as applicable, your name, gender, date of birth, contact information, driver information, information relating to your previous claims and convictions data.

For travel products, we may also need to ask you about your health. We will only use your health information to provide you with a travel insurance quote.

If you give us personal information on other individuals this will be used to provide you with a quotation and/or contract of insurance and/or provision of financial services. By providing this information, you confirm that you have that person's permission to do so. More information about this can be found in the ‘How do you use my personal information’ section.

We also collect information about the way you browse our website. When you visit our website, we automatically collect information about your browsing session, for example your IP address and what type of device you are using, e.g. a computer, a smart phone or a tablet. We also record the pages you view during your visit. However, we will not use this information to identify you personally. We will also collect your contact information when you report a problem with our website or manage your account.

The reason we collect this information is so we can improve the way our website works for our customers and for systems administration purposes. Our websites also makes use of cookies, which are small text files that are downloaded to your device for a limited period of time. Cookies serve a variety of functions which include sharing your usage information with carefully selected media agencies for the purpose of targeting our advertisements on other sites, including social media. We will not link information collected from the use of these cookies to personal information that we hold about you. For more information about how we use cookies, and for guidance on how you can control the operation of cookies on your device, please read our cookie policy.

Who do you share my personal information with?

When you use our website we need to share the personal information you gave us for the purposes of providing you with the goods and services you have requested, for example:

  • associated companies including suppliers and service providers, such as companies who help us maintain, operate and promote our websites; and
  • our group companies, details of which can be found here.

We may also disclose your personal information in response to a request from law enforcement/regulatory authorities or other government officials, where required or permitted by law.

If you decide to buy a product from us, your personal information will be shared with the appropriate Zurich Group company, who will let you know how your personal information will be used, including any other information they may require for the purpose of providing your product.

How do you use my personal information?

We will collect and use your personal information:

(i) where the processing is necessary in connection with providing you with a quotation;
(ii) to meet our legal or regulatory requirements;
(iii) in the case of any health information that you provide to us for the purposes of preparing a quotation, where you have consented to such use of this information;
(iv) for our "legitimate interests". It is in our legitimate interests to collect your personal information as it provides us with the information that we need to provide our services to you more effectively including providing you with information about our products and services. We will always ensure that the amount of information that we collect and the extent of our processing activities do not go beyond what is required to meet this legitimate interest.

Links on this website

We may have included links on our website to other sites that you may find useful. These websites will all have their own privacy statement which will differ from ours. Therefore, please ensure when you click on any of the links, that you read the privacy statement located on the website you have selected. Any websites connected with this site are not within our control.

Where you arrived on our website via a link from a third party website, for example, a cashback site or comparison site, we may be required to pass your personal information to the third party. Please read the privacy statement provided by the third party website to make sure that you understand how they will process your information.

How do you transfer my personal information to other countries?

Where we transfer your personal information to countries that are outside of the European Economic Area (EEA), we will ensure that it is protected and that the transfer is lawful. We will do this by ensuring that the personal information is given adequate safeguards by using 'standard contractual clauses' which have been adopted or approved by the European Commission, the EU-US Privacy Shield Framework or other solutions that are in-line with the requirements of European data protection laws.

You can get a copy of our security measures for personal information transfers from our Data Protection Officer at:

Zurich Insurance Group
Tri-centre 1
Newbridge Square

or by emailing the Data Protection Officer at GBZ.General.Data.Protection@uk.zurich.com.

How long do you retain my personal information for?

We will retain and process your personal information for as long as necessary to meet the purposes for which it was originally collected, as outlined in this policy and in our cookie policy. These periods of time are subject to legal, tax and regulatory requirements or to enable us to manage our business.

What are my data protection rights?

You have a number of rights in relation to how your personal information is processed by us. We have set out an overview of these rights below. These rights are not absolute and will apply, subject to certain conditions, as set out in applicable data protection legislation. Your rights may include:

  • to access your data (by way of a subject access request);
  • to have your data rectified if it is inaccurate or incomplete;
  • in certain circumstances, to have your data erased, for example if you withdraw your consent to us using it, or we no longer need it for the purpose for which we collected it;
  • in certain circumstances, to restrict the processing of your data;
  • a right of data portability, namely to obtain from us in a structured, commonly used and machine-readable format a copy of your data for you to reuse for your own purposes across different services;
  • to object to direct marketing. If we use information about you for this purpose you can "opt-out" without the need to justify it;
  • if we use the information about you on the basis of our legitimate interest, other than for the purpose of direct marketing, you can object to our using it for those purposes, giving an explanation of your particular situation, and we will consider your objection;
  • not to be subject to automated decision making (including profiling), where it produces a legal effect or a similarly significant effect on you;
  • to claim compensation for damages caused by a breach of the data protection legislation; and
  • if we are processing your personal information with your consent, you have the right to withdraw your consent at any time.

If you wish to apply any of your rights, we have a designated point of contact for each of our areas which you can access here. Please be ready to quote your name and address as they appear on your insurance documents and your appropriate reference code, e.g. your policy number, quote number or plan number, as this will assist us in dealing with your request. If you are unsure about your product type, you can contact us by calling 0800 096 6233.

As part of providing you with a quotation for insurance products, and in order to properly manage and administer those products, we use certain automated decision-making processes, including profiling. We employ automated decision-making processes in relation to the provision of a quotation, issuing a contract of insurance, processing claims, reinsurance and targeted marketing.

This means that your personal information, such as your age, any medical conditions you have, your claims and convictions history or the area you live, as provided in your application, will be used to evaluate and predict the level of risk associated with providing you with a contract of insurance. The outcomes of those automated decision-making processes will influence whether or not we provide you with a product, the price of the premium, or the terms upon which we offer a product to you.

What happens if I fail to provide my personal information to you?

If you do not provide us with the required personal information, we will not be able to provide you with the services you requested.

Who can I contact for further information?

If you have any questions about this Privacy Policy, in the first instance you can write to our Data Protection Officer at:

Zurich Insurance Group
Tri-centre 1
Newbridge Square

or by emailing the Data Protection Officer at GBZ.General.Data.Protection@uk.zurich.com.

If you are concerned about how we process your personal information, or are not satisfied with our handling of a request you have made in relation to your rights, you can make a complaint to the Information Commissioner's Office at this address: First Contact Team, Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF. You also have the right to seek a judicial remedy before a court.

Company Information

Zurich Group means Zurich Insurance Group Ltd, and its direct subsidiary companies (as defined by the Companies Act 2006) and branches of such subsidiary companies from time to time.

Changes to this Privacy Policy

We suggest that you print a copy of this policy for your records. We may amend this Privacy Policy from time to time, for example to keep it up to date or to comply with legal requirements, and any such amended policy will only apply from the time of amendment.