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Privacy Policy

Understanding your rights to privacy and how Avanti Travel Insurance protects them

Home 〉 Privacy Policy

Topics

1. Information we collect about you
2. Sensitive personal information
3. Information about other people
4. Use of your information
5. Marketing and research
6. Recommend a friend
7. Cookies
8. Information security
9. Overseas transfer of personal information
10. Disclosure of Information to Third Parties
11. Claims and Underwriting Exchange Register
12. Fraud prevention and detection
13. Access to your information and correction
14. Other websites
15. Changes to our privacy policy
16. How to contact us

1. Information we collect about you
We collect information about you when you complete an online quote or telephone our contact centre to get a quote for insurance. We also collect information when you voluntarily complete customer surveys, provide feedback and participate in competitions. When you use our website, information is collected using cookies. If you contact us electronically (for example via our website or email), we may collect your Internet Protocol (IP) address or telephone number supplied by your service provider. We may use this information to help us detect fraud.

2. Sensitive personal information
The information we collect may include sensitive personal information, such as your pre-existing medical conditions and criminal convictions. We will only use this information for the specific purpose for which you provided it and for the services described in your policy documentation. We will never collect sensitive information about you without your specific consent. You can check the information we hold about you by contacting us on 01376 560 800.

3. Information about other people
If you are providing us with another person’s personal information in connection with a quote for insurance, you should ask them to also read this Privacy Policy. By giving us information about another person you are confirming that they have given you consent to provide the information to us.

4. Use of your information
We collect information about you in order to process a quote for insurance, to administer your insurance policy, to renew insurance, to handle claims, to prevent and detect fraud and, if you agree, to email or call you about other products and services we think may be of interest to you. Information may be used for these purposes by us, the insurers on our panel, their agents and re-insurers and suppliers acting on our behalf (including loss adjustors or investigators). Where it is necessary for your data to be transferred to another party for these purposes we will ensure that your data is securely protected.

5. Marketing and research
We may use your information to:

  • keep you informed by post, telephone, email or other means of products and services that we think may be of interest to you
  • carry out market research or data analysis to help us improve the services we provide or to design new services for the future
  • share with others so that they may offer you their products and service

Your personal information may also be used for the above purposes after your policy has lapsed. You have the right to request at any time that we stop processing your personal information for marketing purpose. If you wish to do this please write to Avanti Travel Insurance Customer Services at Howserv Limited, McGowan House 10 Waterside, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD. Please be aware that because we prepare our mailings months in advance, it can take up to three months for you to stop receiving mailings from us.

6. Recommend a friend
When recommending a friend to Avanti, you are confirming that you:

  • have obtained the consent of your friend to pass their personal details to us and for your friend to receive an email from Avanti Travel Insurance
  • are happy for us to disclose your details as the person who asked that we send the email to your friend

7. Cookies
Cookies identify your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a website previously. Cookies are commonly used on the Internet and do not harm your computer system. Cookies collect standard internet log information and visitor behaviour information. This information is used to track visitor use of our website and to compile statistical analysis reports of website activity. Information collected in this way can be used to identify you and to ensure your web journey is as easy and as targeted as possible.
You can set your internet browser not to accept cookies and remove them from your browser. For further information visit www.aboutcookies.org or www.allaboutcookies.org. Please be aware that deleting certain cookies can result in difficulties when navigating around sites.

8. Information security
Our website and computer systems use enhanced encryption to ensure that your personal and confidential data (such as your name, address, credit card number, and other information) cannot be intercepted, unscrambled or copied when being transmitted between our server, you and others acting on our behalf. Credit and debit card payments are processed securely by Barclaycard.

9. Overseas transfer of personal information
We may process your personal information in countries outside of the European Economic Area which may not have laws to protect your personal data, but in all cases we will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.

10. Disclosure of Information to Third Parties
We do not sell, trade or rent your information and will never disclose information about you to third parties, except to fulfil your specific requests for a product, service or information that a third party may deliver. For example, if you take out an insurance policy provided by a third party, they will need your details in order to administer the policy and process any claims. Other circumstances where we are operationally or contractually obliged to pass on your information may be where third parties administer part or all of the service, underwriting, for pricing purposes, testing, and to maintain management information for business analysis. We may of course be obliged by law to pass on your information to the Police or any other statutory authority.

11. Claims and Underwriting Exchange Register
The Claims and Underwriting Exchange Register (run by Insurance Database Services Limited (IDS Ltd)) and the Hunter Database (run by MCL Software Ltd) help us check information provided and to prevent fraudulent claims. When we deal with your request for insurance, we may search these and any other relevant registers. Under the conditions of your insurance policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident we will pass this information to these registers and to any other relevant registers. If you would like more information about the registers please email or write to us at Avanti Travel Insurance., Howserv Limited, McGowan House 10 Waterside, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD.

12. Fraud prevention and detection
To prevent and detect fraud we or the insurer may share information about you with other organisations including the Police and fraud prevention agencies. Law enforcement agencies may access and use this information. If you provide false or inaccurate information and we identify that fraud has been committed we will pass your information on to fraud prevention agencies. We may access and use information recorded by fraud prevention agencies from other countries. If you would like details of the fraud prevention agencies please email or write to us at Avanti Travel Insurance, Howserv Limited, McGowan House 10 Waterside, The Lakes, Northampton, Northamptonshire, United Kingdom, NN4 7XD.

13. Access to your information and correction
You have the right to request a copy of the information we hold about you. If you would like a copy of this information please write to: Customer Services Manager, Avanti Travel Insurance, Howserv Limited, McGowan House, The Lakes, 10 Waterside, Bedford Road, Northampton NN4 7XD, giving your name, address and insurance policy number. We charge an administration charge of £10 for this service, please include a cheque made payable to Howserv Limited with your request.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information if you think it is inaccurate, and we will confirm if any amendments are made.

14. Other websites
Our website links to other websites. This privacy policy only applies to Avanti’s website so when you link to other websites you should read their own privacy policies.

15. Changes to our privacy policy
We keep our privacy policy under regular review and we will place any updates on this webpage.

16. How to contact us
Please contact our Customer Services team if you have any questions about our privacy policy or the information we hold about you by:
You can also use these contact details if you wish to register a complaint. If you cannot settle your complaint with us, you may be entitled to refer it to the Information Commissioner’s Office.

Email: info@Avanti.co.uk

Letter: Howserv Limited, McGowan House, The Lakes, 10 Waterside, Bedford Road, Northampton NN4 7XD

Phone: 01376 560 800

 

 

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