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It pays to plan for the unexpected

Privacy Policy

Protecting your privacy is very important to Chubb European Group Limited, a Chubb company ("Chubb"). We value our relationship with you, whether you are a Chubb customer, a visitor to this web site (the "Web Site") or a participant in a promotion. We will only use information you provide, which will be collected lawfully and in accordance with Data Protection law.

Please read this policy statement, which explains what we do with the information we collect. This statement explains our current privacy practices.


Data Protection

This notice explains the purposes for which Chubb will use the personal and sensitive personal data (information) that Chubb hold. Chubb accept fully our responsibility to protect the privacy of customers and the confidentiality and security of information given to us. Where you have provided information about another person in connection with the purchase and performance of this insurance Policy you confirm that they have appointed you to act for them, that they have consented to the processing of their personal data, including sensitive personal data and they have consented to the transfer of their information abroad. You also agree to receive on their behalf any data protection notices from us.

Chubb will use the information you have provided for:

  • customer service in connection with your policy
  • handling claims in connection with your policy
  • supplying you with additional products and services
  • improving our products and services, and the operations of the Web Site

Chubb may disclose information to our service providers and agents for these purposes.

The information you have provided may also be used for the purpose of fraud prevention including passing details to other insurers and regulatory bodies. In the event that an insured person makes an injury or illness related claim, CHUBB may need to obtain further sensitive personal information such as medical history in order to assess the claim. The claim form will explain in more detail how this Sensitive Personal data is handled.

If an insured person asks us what information we hold about them, CHUBB will provide details of the information CHUBB holds in accordance with the applicable law. Any information which is found to be incorrect will be corrected promptly. CHUBB may monitor and/or record your communication with us either by ourselves or by reputable organisations selected by us, to ensure consistent servicing levels and account operation.

CHUBB will keep information about insured persons only for so long as it is appropriate.

Sensitive information

Occasionally it may be necessary to collect sensitive personal information before providing insurance cover. Such information may relate to:

  • physical or mental health
  • criminal offences or pending prosecutions

Where such information relates to someone other than you, you must obtain their explicit consent before disclosing it.

Transfer of data to other jurisdictions/territories including outside EU

We may transfer your personal information to countries outside the EEA which may not have the same level of data protection as in the UK, but if we do, we will ensure appropriate safeguards are put in place to protect your information.

Keeping our records accurate

We will make every reasonable effort to ensure the information we hold about you is accurate and up-to-date. You can find out what information we hold about you by contacting us. We will tell you what information we hold. If you find any errors, please notify us and we will correct them promptly. If you wish to change or modify information provided previously, please use the contact details on our "contact us" page.

Email communications and opting-out

Email communication is important between CHUBB and its customers/prospective customers. If you give us permission when purchasing a product from us, we may use your email address to send you information about other services and products that we believe will interest you. If you subsequently want to opt-out from receiving future emails about services and products please use the contact details provided on our contact us page. We do not send random marketing emails to personal email addresses (spam).

Marketing

Unless you have informed us otherwise, we may contact you to let you know about any goods, services or promotions that may be of interest to you. If you decide you would prefer not to receive promotional information from us, you can contact us at the contact address below, but if you do, you may miss out on special promotions.

For questions regarding your personal information, please contact:

The Customer Services Manager
CHUBB Claims and Customer Service Centre
200 Broomielaw
Glasgow
G1 4RU

Telephone: 0345 045 0132

email: cust.servuk@Chubb.com

Ability to browse anonymously

You can visit the Web Site without revealing any information about yourself, including your e-mail address. We may use IP addresses and referring URLs to analyse trends, administer the site, track user's movements, and gather broad demographic information for aggregated use. IP addresses are not linked to personally identifiable information.

Type of information we collect

The type of information we collect about you and other people to be insured includes:

  • name
  • date of birth
  • address
  • email address
  • phone number
  • other details necessary to underwrite an insurance policy
  • credit/debit card details
  • Aggregated information/surveys

We may provide aggregated information about customers, sales, traffic patterns and services to third parties, but these statistics will not include any personal information that identifies individuals.

Periodically we may conduct on-line surveys to understand customers' needs and experiences better. You will be given the option of not participating in these surveys.

Collection of data by advertisers or linked sites

The web sites of other organisations advertising on, or linked to, CHUBB's web site are outside our control. CHUBB is not responsible for the privacy policies and practices of other sites and recommends you check their privacy policies and practices carefully.

Use of "cookies"

We may use technology to track the visitor patterns on our site, sometimes this may include a "cookie".

"Cookie" are small pieces of data stored on your computer hard drive by your internet browser. If you are browsing, a "cookie" helps to measure the number of visits, average time spent, page views and other web site statistics. A "cookie" by itself will not reveal your email address or identity and cannot be used to obtain data from your hard drive.

We may use "cookie" information to try to improve the manner or way in which our site reflects your personal needs.

You can set your browser to notify you when you receive a "cookie" or to prevent "cookie" from being sent. However, the service we can provide may be reduced if you do not accept "cookie".

Companies which advertise on, or are linked to, CHUBB's web site may use "cookies", but CHUBB neither controls nor has access to such cookies.

Security information

Feel comfortable when you buy on-line

Most of us feel comfortable about giving our credit or debit card details to a shop assistant or waiter or even over the phone - even though there's an inherent risk and we are trusting someone we may not know. Using your card over the internet can actually offer some security advantages compared with these "real world" situations.

On-line security means that:

  • information or data supplied by you cannot be viewed, even if it is intercepted
  • the information you receive or provide cannot be altered
  • the company who owns & operates the website is who it says it is

Security on this site

Whenever we ask you for personal information, we do so within a Secure Socket Layer (SSL) - an industry-standard security technology which encrypts details sent between your PC and our website. SSL protects information over the internet and ensures it cannot be tampered with. To benefit from this technology you need to use an SSL-capable browser. Browsers which will activate SSL automatically include the latest and more recent versions of Netscape and Microsoft's Internet Explorer.

We recommend that you do not send us personal details via email; whilst the vast majority of emails are not intercepted, there is a risk that your data could be visible to third parties.

We are who we say we are

You can't see the people or company you are dealing with online - as you can when you visit a shop or office. An SSL digital certificate allows you to authenticate the website and confirm its ownership.

  • domain for which the certificate was issued
  • owner (who is also the organisation with the right to use the domain) and their physical location,
  • period during which the certificate is valid

Agents, affiliates and service providers

Companies that supply support services or act as our agents or affiliates must conform to our security principles and have a similar level of security.

Why are cookies essential to how customers use the Helping Hand Personal Insurance Websites?

This website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer's hard disk. Cookies enable users to navigate around websites and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the Site and help us improve the user experience. Without cookies enabled we cannot guarantee that the website and your experience whilst visiting are as we intended it to be. None of the cookies used on our websites collect personally identifiable information about you

We use cookies in the following ways:


  • At Helping Hand Personal Insurance we use cookies within our website to protect our customers and prevent fraudulent activity without cookies enabled you will not be able to access the Helping Hand Personal Insurance website.
  • We use cookies within our online application forms. Without cookies enabled you will not be able to apply for our products.
  • To track how visitors reach our site and the path they take through it to help us improve our service to you. For example, we use Google Analytics, a popular web analytics service provided by Google. Google Analytics uses cookies to help us to analyse how users use the site. Find our more about how these cookies are used on the Google Privacy site.
  • To monitor and manage our Website traffic.
  • To understand how our advertising campaigns and promotions within the Helping Hand Insurance website are working to improve our site design, offers and promotions. None of the cookies used on our website collect personally identifiable information about you and no information is passed to third parties.
  • Within our website we use cookies for security to protect you and prevent fraudulent activity.
  • Session Cookies. These are temporary cookies, which only exist in the period you access the website (or more strictly, until you close the browser after accessing the website). Session cookies help the Helping Hand Insurance website remember what you chose on the previous page, therefore avoiding having to re-enter information. On our website, these cookies do not contain personal information, and cannot be used to identify you.
  • Persistent Cookies. These are cookies, which remain on your device after you have visited our website. These cookies help us identify you as a unique visitor (by storing a randomly generated number). The length of time a cookie will remain on your device will depend on the type of cookie. On our website, these cookies do not contain personal information, and cannot be used to identify you.

How to control and delete cookies

Helping Hand Personal Insurance will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings. The Help function within your browser should tell you how.

Alternatively, you may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies.

For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.