Privacy Policy


This Website operates worldwide and complies with local law and regulations in the applicable countries. This Privacy Policy explains how we use personal information about you when you visit this website and generally.


Coverwise Limited shares a commitment to protect your privacy and keep your personal information secure.

For more information about Coverwise Limited please visit www.coverwise.co.uk

By submitting personal information (including any sensitive health and medical information) to us through this website, or by any other means, you consent to its use as described in this Privacy Policy. By giving information to us about another individual you confirm that you have that individual’s permission to provide it to us for use as described in this Privacy Policy.

What personal information do we collect?

We collect:


  • General identification and contact information, for example your name, home address, email address and contact telephone number.
  • Information to enable us to provide you and other individuals with products and services, for example, details of travel plans, the names and age categories of the individuals you wish to insure, and payment and bank details.
  • Sensitive health and medical information, for example, we may need to ask medical questions to check if you are eligible for the insurance cover we offer or for dealing with a claim.
  • On occasion, personal information about an insured, policy holder or claimant from their friends or family when they are unable, for medical or other reasons to communicate directly with us.
  • Additional information you provide to let us know your marketing preferences, enter a prize draw or competition or give feedback.
  • Your computer’s identity will be logged by our web server and anonymous information about how you use this website may be collected using computer cookies and web beacons (more information is given below about cookies and web beacons).
  • We have the capability to retrieve your contact details should you input them on our website using VeCapture by Ve Interactive even if you do not complete your purchase. Such contact details may be used to contact you to assist with your registration/transaction.

  • How will we use your personal information?

    Your information will be kept secure and may be used in a number of ways, for example:


    • to make decisions on whether to offer insurance cover to you and other individuals
    • to administer your insurance, including claims processing and renewals
    • to investigate and prevent crime, including fraud and money laundering
    • to comply with legal and regulatory requirements on us
    • to send you marketing information, unless you ask us not to (more information is given below about marketing)
    • to provide access to products and services offered by selected third party partners
    • to present this website in the right way on your computer and take account of your website preferences.

    Monitoring and recording of telephone calls

    To maintain quality of service and security, telephone calls you make to us, or we make to you may be recorded or monitored.

    Who do we share your personal information with and where?

    For the above purposes, we:

    • may share your information with our contractors and agents, which include service providers, insurers and reinsurers, brokers, representatives and selected third party partners
    • may put information about claims on a claims register which is shared with other companies, including insurers, for fraud prevention
    • will share information with other third parties if required to do so by law
    • may transfer your information inside or outside of the European Economic Area (“EEA”), including for secure electronic storage.

    Whenever we transfer or share information outside, or inside, the EEA we ensure that it is protected appropriately.

    If you do not wish your personal information to be transferred outside the EEA do not submit information to us on this website or otherwise.

    Marketing

    Unless you tell us not to, when you provide your personal information to us, you consent to us and our selected third party partners, using your information to keep you informed by post, telephone, email, mobile text messaging or other electronic means, about products and services which may be of interest to you. We would still like to do this after your existing policy has ended.

    We and our selected third party partners, would like you to receive marketing information in the ways you prefer so you can choose not to receive marketing information in particular ways (for example, only by email) or to receive no marketing information at all. We will provide you with regular opportunities to tell us your marketing preferences or ask us to stop send marketing information, including on this website and in our communications to you. You can also contact us by emailing info@coverwise.co.uk

    We monitor how this website is used

    We monitor this website to see which features are popular or useful for visitors to improve our services. We may also prepare user statistics or information summaries for legitimate and lawful purposes, for example to describe our services and their popularity to our third party business partners and advertisers.

    For these purposes, we use cookie and web beacon services provided by third party service providers to collect information about how you navigate to and through this website, how long you stay and about your computer, including, where available, your computer’s address on the internet, operating system and the type of internet browser that you use.


    Cookies


    Cookies - These are text files containing information which are stored on the hard drive of your computer to collect standard internet log and visitor behaviour information. Cookies alone cannot be used to disclose your individual identity. The information they contain identifies your internet browser, but not you, to our internet servers when you visit this website.


    Cookies help us to:


    • improve this website and deliver better and more personalised content specific to your interests by storing information about your preferences
    • speed up your searches
    • recognise you when you return to this website
    • estimate our audience size and usage pattern.

    You may refuse to accept cookies by activating the setting on your internet browser which allows you to refuse cookies. However, if you select this setting you may be unable to access or use certain features of this website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access this website. For information about how to disable cookies in your internet browser please visit: www.aboutcookies.org.


    Web beacons

    Web beacons - These are tags located in website content that collect data remotely. This information is statistical data about browsing activity and patterns, and does not identify you or contain your contact information. We use it to help manage and optimise our online advertising. Web beacons enable us to recognise an internet browser’s cookie when that browser visits this website and learn which advertisements bring users to this website.

    The information collected using cookies and web beacons is shared with our selected third party partners and service providers, including Omniture Inc (“Omniture”), who provide reports of this aggregated and anonymous data. To learn more about Omniture’s privacy standards and use of web beacons, please visit: http://www.omniture.com/company/acquisitions/visualsciences/privacy/policy.

    We use a third party advertising company Google Inc, trading as DoubleClick, for the purpose of serving advertisements on other websites on which we advertise and measuring traffic coming from such websites. Information derived from your visits to this website and the websites on which we advertise is used to serve advertisements to you and a unique third party cookie is placed or recognised on your internet browser. To opt-out from this advertisement cookie please visit: http://www.doubleclick.com/privacy/index.aspx.

    Security of information on the internet

    This website is on the internet and the transmission of information over the internet is not secure unless it is encrypted effectively. Whilst we use industry standard technology, including Secure Socket Layer (SSL) technology, to secure the information you enter on this website, we cannot guarantee the security of your information when it is being transmitted to or from this website and therefore any transmission of information to or from this website is at your own risk. We cannot guarantee that information that you voluntarily disclose on the internet outside of this website is kept private or take responsibility for any unauthorised access or loss of personal information on the internet that is beyond our control. If you are unhappy about entering your payment information online, then you are more than welcome to call to finalise your booking.

    Website links

    This website may, from time to time, contain links to and from the websites of Coverwise Limited, and our third party partner networks and advertisers. This Privacy Policy only applies to this website and we do not accept any responsibility or liability for your use of other websites. Read the privacy policies or notices of other websites carefully before submitting any personal information. If you have any questions regarding privacy of your information on other websites, we suggest that you contact those websites directly.

    Correction or removal of inaccurate information

    We want to make sure that your personal information is accurate and up to date, so you may ask us to correct or remove information you think is inaccurate by emailing info@coverwise.co.uk

    Access to your information

    You can request access to information which we hold about you (we may make a small charge for this service) and ask any questions about this Privacy Policy by writing to:

    Data Protection Officer, Coverwise Limited, 945 Europort, Gibraltar or by emailing info@coverwise.co.uk

    Companies and businesses are regularly sold or transferred. If this ever happens to us, any of our companies or any part of our business, the personal information we hold about you and other individuals may form part of the assets sold or transferred, but your personal information would be used in the same way as described in this Privacy Policy. We may also disclose personal information which we hold about you to a potential seller or buyer of any of our companies or parts of our business on a strictly confidential basis.

    Changes to this Privacy Policy

    We review this Privacy Policy regularly and will place updates on this webpage. Where appropriate, we may also notify you of certain changes to this Privacy Policy by email.


    This Privacy Policy was last updated on 15 April 2011.