How we collect your personal data

You provide us with personal data in a number of different ways, directly or indirectly, such as when you calculate the price of an insurance policy on our website, when you make or change a policy, or if you contact us with questions about an insurance. You also provide personal data when you report a loss and during the subsequent stages of claims process; whenever you are in contact with us whether it be by email, telephone, chat, regular mail, social media, or any other of our services. We describe the process in more detail below.

Data you provide us directly – when you get in touch with us through any of our communications channels (e.g. mail, chat, telephone or regular mail), when you submit data on any of our websites (e.g. by filling in a form); when you express interest in purchasing a policy, purchase a policy or report a loss. We may record conversations with you (telephone and face-to-face meetings).

The information you provide when you use our services and websites – we use net identifiers (cookies) when you use our services and visit our websites. These are important for providing you with relevant information and improving your user experience and the use of our services. The data includes response times for web pages, download errors, how you reached and departed the service provided, language settings, browser settings, time zone, operating system, platform, screen resolution, your geographical location and delivery notes when we contact you. Read more about our use of net identifiers here

Data provided by a group representative – if you are part of a group (organisation, association or other group) whose representative has signed a policy with us, your personal data is submitted to us by the organisation that has taken out a group policy with us.

Information from business partners, other insurance companies, your employer, medical institutions, government agencies and other companies belonging to the same group as Moderna Försäkringar – in order to collect, supplement and keep your personal data up-to-date, we will collect data from external sources, such as publicly available information, commercially available sources, your employer and government agencies. 

Data about others – we may process data about co-insured parties, premium payers, beneficiaries, collateral takers, perpetrators, injured parties, etc., to the extern of which it is necessary for the resolution of a contract with you, or if it concerns data that we otherwise have the right or obligation to process. If another person uses your personal data to take out a policy or to contact us regarding a case in which you are involved, we use the personal data this person provides about you. When you provide personal data about other persons, you must be sure that these persons are aware of this and that you have their permission to provide the data. If appropriate, you should also make sure that they understand how their personal data may be used by us.