The use of your personal data

We use your personal data for the purposes described below. We save your data for if necessary to fulfil the purpose for which it was saved; this includes any deadlines under applicable law, such as a period of limitation.

To interact with you – we process personal data to identify you, communicate with you and provide you with relevant information, regardless of communication channel.

For the sales and administration of policies – we process personal data to conclude insurance contracts with you and for their subsequent insurance administration (such as renewal, amendment and termination). For this purpose, we need to identify your need for insurance (relevant insurance policies, appropriate insurance amount and scope); we also need to calculate your insurance risk (insurance price in relation to the insured risk) and check if you have the right to take out certain policies. 

For the management of losses and claims – we process personal data to settle claims and to determine, assert and defend legal claims.

For the marketing of products and services – we process personal data that helps us to present information and offer policies that we believe are relevant to you. Coincidentally, we strive to avoid sending or displaying information we believe is of no interest to you.

Obligations under the law – we process personal data to fulfil our obligations under applicable and relevant for law, e.g. to counter money laundering and terrorist financing. We are also required to provide data when government agencies request it as part of their duties.

Statistical base – we process personal data to calculate the insurance risks and improve the pricing of our policies.

Investigation – we process personal data for the investigation, detection and prevention of fraud.

Reinsurance – in some cases, we may process personal data to underwrite reinsurance and make claims under such cover.

Provision of services from others - we process personal data so that our business partners can offer services that are related to our policies.

Quality purposes – we process personal data to develop our business, our products and services, and to conduct market research and other analyses such as customer satisfaction surveys. For quality purposes, we may record telephone conversations between you and our employees.