Insurance Brokers and Advisors Limited Security and Privacy Statement
1.0 Who is responsible for your personal information?
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 , with company number 499836 and its registered address at:
Unit 20 Sandyford Office Park, Sandyford Dublin 18 in Ireland is the registered data controller in relation to personal
information held by it about you for the purposes of the Data Protection Act 1988 and 2003.
By providing information to us, you acknowledge that you accept the practices and
policies outlined in this Privacy Statement which apply to the personal information submitted by you to us through this website or in any other way. We may also need to collect
personal information relating to anyone who may also be covered by your insurance policy with
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 (i.e. if you are an insured customer) or on whose behalf you are claiming
against a Worldwide Insurance Brokers and Advisors Limited t/a Cover365 insured customer (e.g. if you are an agent or representative).
It is your responsibility to ensure that you have obtained the permission of any such persons
and have shown this notice to them to allow us to process their personal data for the purposes outlined in this notice.
2.0 What details do we collect and why?
Subject to data protection laws, we will use the personal information you provide through the
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 website, or which is otherwise collected from you or third parties
(for example Insurance Link), whether online or offline, for various purposes depending on our relationship with you and/or the person you represent.
1. For example, this may include (as applicable):
- to register you as a user of the Worldwide Insurance Brokers and Advisors Limited t/a Cover365 website,
- to send information you request, to handle your insurance queries, applications and any policy and related claims,
- to send you marketing information about products and/or services (further details below),
- to manage and deal with your claim against our insured customer or to deal with your appointed agent, or representatives, and
- for underwriting, claims handling, fraud prevention, anti-money laundering and counter terrorism financing purposes.
2. We will do this at a local company and/or at a
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 level as appropriate (as part of shared services)
and will be carried out subject to applicable law. This personal information will be held in the data systems of
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 or by our insurance product producers.
3. We may use this personal information for our business processes
and activities including analysis, review, audit, forecasts, business planning and transactions (using de-personalised data where required) and dealing with insurance and/or
legal claims; and for compliance with our legal, regulatory and other good governance obligations. We may record or monitor all phone calls to protect you and us and for training
and quality purposes.
4. We may check the information you provide against other information available to the public
(such as the edited electoral roll, court judgments, bankruptcy or repossessions) and other insurance industry databases, and depending on your relationship with us
this may involve (as applicable) carrying out bankruptcy/judgement debt checks, fraud prevention, anti-money laundering and counter terrorism financing checks, subject to
data protection law. Subject to data protection law, we may exchange information with other insurers, either directly or through people acting for us and them
(such as loss adjusters or private investigators), the Garda Síochána, other police services, other law-enforcement agencies or any person authorised by law to access
3.0 Sensitive details
We may need to collect sensitive personal information about claimants and insured customers
(such as information about physical or mental health or medical conditions, criminal and/or motor convictions and pending proceedings, and bankruptcy/debt details)
and others named on an insured customer's insurance policy and third parties involved in a claim.
By going ahead with a
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 insurance quote or policy,
making a claim against a Worldwide Insurance Brokers and Advisors Limited t/a Cover365 insured customer, or submitting personal information, including sensitive personal information, to us through the
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 website or otherwise,
as applicable, you will be explicitly agreeing to us, our agents, other insurers and the other persons who we describe in this notice processing that information for all
purposes as are or may be relevant from time to time to your relationship with
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 , including but not limited to those described in this notice. Before you provide personal
information, including sensitive personal information, about others (e.g. from the other people named on your policy if you are an insured customer, or from the
person on whose behalf you are claiming against a Worldwide Insurance Brokers and Advisors Limited t/a Cover365 insured customer if you are an agent), you should make sure they have seen a copy of this notice and make sure
they agree to you disclosing it to us.
We may amend the personal information so that you cannot be identified from the
data either by itself or when combined with any other data we hold. That data will not be subject to this notice or data protection law. We may use it for insurance
administration purposes including analysis of trends, carrying out actuarial work, planning insurance service delivery, risk assessment and costs and charges.
5.0 What details do we share, who with and why?
We will only take instructions to change a policy from you, your husband, wife or civil partner or your parent.
We will only take instruction to cancel or lapse a policy from you. In some cases we may also deal with other people contacting us on your behalf as long as we have your permission.
If you would prefer that we only deal with you, please let us know.
In exceptional circumstances it may be necessary for us to deal with other people, for example,
if you are incapacitated and if a next of kin contacts us in relation to your policy.
We may pass information about you and your claims history to:
- Our agents and product providers;
- other insurers, either directly or through people acting for us and them (such as loss adjusters or private investigators and solicitors);
- any agent acting for you;
- regulatory organisations which we belong to or are governed by;
- the police, other law-enforcement agencies, government agencies or regulatory authorities, and any other person or organization if this is needed by law; and
- any other person where necessary to perform any insurance contract with you so we can protect ourselves from risk or to make sure we meet with regulations.
- with the Insurance Link database, run by Insurance Ireland. This information includes identification details and the nature of any damage suffered by anyone involved in a
claim, in some cases including types of injuries. This information may be shared with other insurers and/ or statutory authorities.
The purpose of engaging in this insurance industry service is to help us authenticate information provided to prevent fraud and protect customers and to assess information
at underwriting stage. This helps prevent multiple claims on the same injury or damage, assists in investigating fraud and the integrity of information provided.
Where previous claims are identified through Insurance Link, insurers may exchange additional information on those claims, more information is available on Insurance Link
at their website.
We may transfer your
information to other countries (further details below).
Subject to data protection law, we may disclose personal information, including sensitive personal information described above, to anyone we transfer our rights and duties to
under this policy, for example, to a third party in relation to any sale(s) of our business in whole or part. For the avoidance of doubt such disclosure would only be to actual
purchasers of the business in whole or in part, not prospective purchasers.
6.0 Where are your details sent?
Personal information will be held in the data systems of
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 and our agents/product producers, cloud and other service providers and may be
transferred to countries outside of the European Economic Area including to
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 companies and our/their agents, cloud and other service providers.
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 ensures by contractual agreements with its service providers that no personal data is transferred outside of the EEA unless that country ensures an adequate level of
protection for the rights and freedom of data subjects in relation to the processing of personal data.
By submitting personal data a Policyholder agrees to the transfer, storing or processing of the data as outlined above.
7.0 Contacting you
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 section 8 below. We will use the details you have given to us to provide you with information about our products and services and those of other companies
in the Worldwide Insurance Brokers and Advisors Limited t/a Cover365 and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this
information. By providing us with information (including any personal information) and agreeing to the terms hereof you consent to the information being used for these purposes.
We may also use your information for these purposes after your policy has come to an end unless you ask us not to.
8.0 How might we contact you?
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
- By text message
- Through digital and/ or other remote applications
9.0 Why might we contact you?
- about an enquiry you have made;
- with relevant products or services offers;
- in relation to your policy or quote;
- to ask for your feedback/views on the products & services we provide;
- to tell you about any important changes to our website; or
- where there is another genuine reason for doing so.
10.0 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", you can do so by
following the instructions included in each electronic communication or please phone us at 01-2948669 or email us at
email@example.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
By accessing and using this Worldwide Insurance Brokers and Advisors Limited t/a Cover365 website (the "Site") you indicate that you accept
11.1 What are cookies?
The main purposes for cookies are to:
- Allow the site to function correctly and to help keep it secure.
- Make the site easier to use by remembering information that you've entered, to recognise you as a site user and to personalise your visit.
- Collect basic information about the way you have used the site.
The cookies may also allow Worldwide Insurance Brokers and Advisors Limited t/a Cover365 to record additional information on the webpages you have visited and the contents of those webpages, any information you input,
your referring URL or IP address, your time of visit and related session information, your requested page, web browser type, USR agent, status of request (successful reply), cookies,
number of bytes in the response, and query string and any information or technical detail your browser is sending to us.
Yes. Worldwide Insurance Brokers and Advisors Limited t/a Cover365 uses this information to better understand website usage in the aggregate so that we know what areas of our website users prefer.
This information is stored in log files and is used for statistical reporting and in limited circumstances to prevent fraudulent claims.
11.3 What type of Cookies do we use?
11.3.1 Cookie classifications
We use two classifications of cookies:
- Cookies that are defined as “strictly necessary” are required to help keep data safe.
They allow you to move between different pages on our site. They also help to keep your details secure
- Cookies that are defined as “not strictly necessary”.
This type of cookie helps us improve the performance of our site. They tell us how pages are used, which ones are commonly viewed and help us piece together a full picture of a
typical customer journey through the site. They also tell us if any errors occur
There are three types of cookies on our websites which fall under the above two classifications:
- Session cookies
- Persistent cookies
- Third party cookies
11.3.2 Session cookies
A session cookie exists only while the user is reading and navigating the website. Session cookies enable users to carry out essential tasks on our site,
without them the site will not function correctly. This type of cookie expires as soon as you exit the browser you are using to view our website.
11.3.3 Persistent cookies
A persistent cookie will outlast a user's session. This could be used to record a vital piece of information such as how the user initially came to this website or to record details
about the last browsing session on the site. For this reason persistent cookies are also called tracking cookies.
11.3.4 Third party cookies
Third party cookies are not related to or controlled by
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 . Third party cookies are used by our business partners,
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 monitors this information to gather data about repeat visitors to our site and their user experience. This helps us ensure that improvements are consistently made to our
sites based on your experiences. Google also reserve the rights to the data collected.
The Google Analytics features implemented by Worldwide Insurance Brokers and Advisors Limited t/a Cover365 include Remarketing and Double Click. These tools are used to advertise online, where the information obtained
is used to inform, optimise, and advertise based on past visits to our site.
These advertisements may be shown on sites across the Internet.
This Site may link through to third party websites including websites of companies within the
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 has no control. Worldwide Insurance Brokers and Advisors Limited t/a Cover365 recommends that you check the relevant third parties’ privacy policies for information about any cookies that they may use.
11.4 Detailed explanation of all the cookies we use
You can learn more about cookies at aboutcookies.org by clicking
11.5 How to disable your cookies
If you don't want to receive cookies, you can modify your browser so that it
You can also delete cookies that have already been set. If you wish to restrict
or block web browser cookies which are set on your device then you can do this
through your browser settings; the Help function within your browser should tell
you how as every browser is slightly different.
Remember, if you refuse to accept cookies, certain critical elements of
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 will not function correctly.
to determine the current policy in force as the updated version applies to each use of this Site.
7.0 Contacting Worldwide Insurance Brokers and Advisors Limited t/a Cover365
8.0 Additional Information
For more information on cookies and cookie legislation, please visit the following sites:
12.0 Fraudulent Emails Warning
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 will never contact you by email to request an update of your personal or private information. If you receive any such emails
please contact us by telephone immediately.
13.0 Change to Statement
We may occasionally update this privacy statement. The updated version will be effective when it is posted. Therefore we would suggest you periodically review this statement to
stay informed about how we process your personal information. Your continued use of the website following the posting of changes to this policy will mean you consent to and accept
those changes. If you do not consent to such changes you can delete your user account and stop using the website.
This website links to other websites which are operated and controlled by third parties which may or may not have their own privacy policies and those other websites may
link to this website. We are not responsible for privacy practices of third parties including website operators to whom you provide your information.
You should read the privacy policies on all third party websites carefully before using them and in particular before providing your information to them.
15.0 Copies of your personal information
You can ask us for a copy of the information we hold about you by writing to our Customer Services Manager (see contact details below) and enclosing a cheque for €6.35.
Please allow up to 40 days for us to send this information to you. You may also ask us to change or delete any information we hold about you and we will make all reasonable
efforts to update our records if we feel it is appropriate. Please help us to ensure your personal information is accurate by telling us as soon as reasonably possible in the event
of change of address, contact details or other circumstances.
If you have any questions about this notice you should contact our
Worldwide Insurance Brokers and Advisors Limited t/a Cover365 Unit 20, Sandyford Office Park, Sandyford, Dublin
Details about insurers' obligations to you regarding your information is contained in the Data Protection Commissioner’s Code of Practice on Data Protection for the
Insurance Sector which you can view by visiting www.dataprotection.ie.
You can obtain confirmation on what information is held about you and your previous claims on Insurance Link by visiting www.inslink.ie.
Updated: February 2017