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Insight Insurance Privacy Policy

Insight Insurance respects the privacy of all visitors to our website. Our privacy policy explains how we collect and use information from and about you when you use our services.

Insight Insurance is committed to respecting and protecting your privacy and would like you to feel safe when you give us your personal details. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client. We will always clearly identify ourselves in correspondence and on our website.  Our principal business is to provide advice and arrange transactions on behalf of clients in relation to general insurance products.

To provide you with relevant information, meet regulatory requirements in relation to our activity as a retail intermediary, and respond to your requests we sometimes request that you provide us with information about yourself.  This Privacy Notice will inform you of the information we gather and how it is used. Insight Insurance maintains the same privacy practices with respect to data that is collected off-line and on-line and this notice also covers both those methods of data collection and use.  Insight Insurance complies with current data protection legislation for the collection, use, and retention of all personal data.  Our Data Privacy and Data retention policy is available on request.

1 – About Us

Insight Insurance Brokers Limited T/A Insight Insurance is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations 2018.

Insight offers general (non-life) insurance only to our personal and commercial customers in a wide range of areas including home, car/van, landlord and a broad range of insurance to commercial enterprises.

2 -Privacy Notice

In the normal course of its business, Insight Insurance needs to gather and use certain personal information about individuals. These can include customers, suppliers, business contacts, employees, and other people the organisation has a relationship with or may need to contact.

This Privacy Policy (together with our Terms of Business) describes how this personal data must be collected, handled, and stored to meet the company’s data protection standards thus complying with legal requirements. The policy also summarises the rights of individuals in relation to the information about them that we hold.

3 – GDPR

On the 25th May 2018 the European Union (EU) introduced a new regulation, the General Data Protection Regulation (GDPR). A key reason for this new law is to strengthen data protection for all within the EU. Insight Insurance Brokers Ltd is a Data Controller under the GDPR. Insight Insurance Brokers Ltd is committed to ensuring personal data shall be:

  • processed lawfully;
  • collected for specified, explicit and legitimate purposes and is not processed in a manner that is incompatible with these purposes;
  • adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed;
  • accurate and kept up to date;
  • kept for no longer than is necessary; and
  • is secure

Insight Insurance Brokers Ltd is committed to respecting and protecting your privacy.

4 – GDPR Owner /Data Protection Officer

Our GDPR Owner / DPO can be contacted directly here:

Name: Tim Barry

Email Address: Tim.Barry@InsightInsurance.ie

Phone Number: 00353 21 4299002

5 – Why We Collect Your Data?

In order to provide appropriate advice and perform transactions on your behalf with Product Producers (Insurance Companies), we need to collect and store personal data, including sensitive information, if applicable. This information supplied by you will be used by us to understand your needs and objectives and to enable us to provide specialist advice to you on the products and/or services available to suit your specific requirements. This information may also be used for the performance, administration and management of contracts with Product Producers to which you are a party including pre- contract and claim stage. We are committed to ensuring that the information we collect, and use is appropriate for this purpose, and does not constitute an invasion of your privacy.

6 – How we Collect Your Data!

In order to ensure we have a complete understanding of your insurance needs and your personal circumstances we may obtain your personal information from a number of sources:

  • you, the potential customer;
  • you, the current customer;
  • persons who may represent you (if applicable);
  • insurance companies;
  • from searches of trusted and industry approved databases to enrich your application (vehicle details, claims);
  • from trusted third parties where we might be investigating a claim on your behalf (claimants, witnesses, solicitors, claims specialists).

When submitting an application to us for a product, you may provide us with information relating to other persons named under the policy, (e.g. a named driver). You agree that you will bring this Privacy Notice to the attention of each person named on the policy at the earliest possible opportunity. Please also ensure that anyone else who is insured under your policy have agreed to provide their personal information to us.

7 – The Types of Data We Collect.

Data collected may vary depending on the Product Producer requirements. If you are ever concerned about data someone that has requested from you, please do not hesitate to contact our Data Protection Officer, details of which are set out in Section 4 of this Notice. Types of data collected include the below but not limited to:

Insurance Policy Data

Name, Address, Occupation, Date of Birth, Gender, Contact details, Nationality, Length of residency in Ireland, Drivers Licence Details, Penalty Point information, details of accidents/claims/convictions, details around whether you ever had insurance declined/cancelled or special terms imposed, No Claims Bonus history, Name of Current Insurer, Current Renewal Premium, Renewal Date, type of bonus protections, marketing preferences, etc.

Data Sourced from Others

Claims history, vehicle details and internet searches for house location etc.

Claims Data

Details of any injuries, details of health issues, data relating to court proceedings etc.

Credit Finance Data

PPSN, Verification documents for any PPSN submitted.

If it is deemed necessary to collect any special categories of personal data, such as health details or information relating to criminal convictions, we will ensure we will only process what is necessary and proportionate for the purposes of providing an insurance product.

8 – The Legal Basis for Processing Your Data

Insight Insurance will process (collect, use and store) the information you provide in a manner compatible with the EU’s GDPR.  And in accordance we need to ensure that we process your personal data lawfully. We rely on the following legal grounds to collect and use your personal data

 

Performance of a contract When we enter a contract with you, we will collect and use your personal data to enable us to fulfil that service.
Legal obligation The use of some of your personal data is necessary for us to meet our legal obligations e.g. consent; contract; legal obligation; vital interests; public task; or legitimate interests.
Consent Sometimes we may rely on consent as a legal basis for processing your information. For example, we rely on consent to collect and use personal data for any criminal convictions or alleged offences.  This is used when we need to assess risk relating to an insurance policy for you. We share this information with other third parties where it is necessary to manage these services provided to you – these services include insurance underwriters, reinsurer and other insurance providers.

We may also rely on your consent to send direct marketing to you. We will ensure that we present this to you concisely.  We will also ensure that we use clear and plain language and if you give us your consent you can withdraw this easily at any time.

Sometimes if you refuse to provide information that we reasonably require to provide the services, we may be unable to offer you the services and/or we may terminate the services provided with immediate effect.

Legitimate interests Where we rely on this legal basis to collect and use your personal information, we shall take appropriate steps to ensure the processing does not infringe the rights and freedoms conferred to you under the applicable data privacy laws.

If you require further information on any of the above basis for processing your data, we can provide you with further details.

9 – How We Share Your Data

When required, we may make your information available to third parties with whom we have a relationship, where that third party is providing services on our behalf. We will only provide those third parties (data processors) with information that is necessary for them to perform the services.  We will take measures to protect your information, such as putting in place Standard Contractual Clauses and confidentiality agreements.

· Insurance Partners where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers, and loss adjusters.
· Vetting and risk management agencies such as credit reference, criminal record, fraud prevention, data validation and other professional advisory agencies, where necessary to prevent and detect fraud in the insurance industry and take steps to assess the risk in relation to prospective or existing insurance policies and/or the services.
· Legal advisers, loss adjusters, and claims investigators, where necessary to investigate, exercise or defend legal claims, insurance claims or other claims of a similar nature;
· Medical professionals, e.g., where you provide health information in connection with a claim against your insurance policy; or when we are providing a quote for insurance.
· EU Law enforcement bodies, when required to do so by law and/or regulation, or another legal request.
· Public authorities, regulators and government bodies, where necessary for us to comply with our legal and regulatory obligations, or in connection with an investigation of suspected or actual illegal activity;
· Third-party processors: We outsource our processing operations to suppliers that process personal information on our behalf. Examples include IT service providers who manage our IT and back-office systems and telecommunications networks, and accounting and payroll providers, CRM providers.

In practice, we share personal data with:

–        Our Insurance Undertakings

–        Our CRM system providers – Applied Relay (General Insurance Software System)

–        Our IT Company – Etelligence

These processing operations remain under our control and we have data processing agreements in place with all our third party processors to ensure all processing is carried out in accordance with our security standards and the GDPR.

· Internal and external auditors where necessary for the conduct of company audits or to investigate a complaint or security threat.

 

Sharing your personal data outside of Ireland

Where we transfer personal data to a country outside of the EEA (referred to in the GDPR as ‘third country,’) we will ensure it is done lawfully, i.e. there is an appropriate “level of protection for the fundamental rights of the data subjects”.  We will therefore ensure that either the EU Commission has granted an adequacy decision in respect of the third country, or appropriate specified safeguards have been put in place, (e.g., Binding Corporate Rules (BCRs) or Standard Contractual Clauses (SCCs)).

We share data with Key Care located in the UK. The EU Commission adopted adequacy decisions for transfers of personal data to the UK.  This means that the EU accepts that the UK data protection regime is substantially equivalent to the EU regime and allows personal data to be transferred freely from the EEA to the UK.  Therefore, the UK is not deemed a third country.

10 – How Long Will We Keep Your Data?

Insight Insurance shall not keep personal data in a form that permits identification of data subjects for a longer period than is necessary.

Insight Insurance may store data for longer periods if the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes, subject to the implementation of appropriate technical and organisational measures to safeguard the rights and freedoms of the data subject.

Personal data will be disposed of securely.

11 – How We Keep Your Data Secure.

The security of your data is important to us, we have implemented appropriate technical, and organisational measures to ensure a level of security appropriate to the risk. To ensure that your personal details are not misused, accidentally destroyed, lost, or altered when we process by either electronic or paper means.

12 – Your Rights as a Data Subject

Insight Insurance will facilitate your rights in line with our data protection policy and the Subject Access Request Procedure in that policy..

  • Right of access – you have the right to request a copy of the information that we hold about you.
  • Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
  • Right to be forgotten – in certain circumstances, you can ask for the data we hold about you to be erased from our records. (The erasure of such data will be dependent on our other legal obligations, and whether the data is subject of legal privilege).
  • Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
  • Right of portability – you have the right to have the data we hold about you transferred to another organisation.
  • Right to object – you have the right to object to certain types of processing such as direct marketing.
  • Right to object to automated processing, including profiling.
  • Right to make a complaint: if we refuse your request under rights of access, we will provide you with a reason as to why.

All the above requests will be forwarded on, should there be a third party involved, as we have indicated in the processing of your personal data.

Complaints

If you wish to make a complaint about how your personal data is being processed by Insight Insurance or how your complaint has been handled, you have the right to lodge a complaint with our GDPR Owner Tim Barry (contact details as given in Section 4 of this policy).

Failure to provide further information.

If we are collecting your data for a contract and you cannot provide this data, the consequences of this could mean the contract cannot be completed or details are incorrect.

When you fail to provide us with the information we require to fulfill our obligations to you, we may be unable to offer our services to you.

This privacy policy was last updated on November 08th 2023

Cookie policy –

We have provided this cookie policy to tell you more about why we use cookies and other similar identifying technologies, the types of cookies and similar technologies we use, and your choices in relation to these technologies. In this cookie policy we use the term “cookies” to refer to cookies and other similar technologies covered by the EU Directive on privacy in electronic communications.

Our site uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small piece of data that is sent to your browser or device by websites, mobile apps, and advertisements that you access or use. This data is stored on your browser or device and helps websites and mobile apps remember things about you. For example, cookies may help us remember your actions or preferences over time.  Most browsers support cookies but you can set your browser up to decline them and can delete them whenever you want.

Like most online services, Insight Insurance uses cookies for a number of reasons, like helping you complete tasks without having to re-enter information when browsing from one page to another or when visiting the website later, remembering your user preferences, protecting your data and account, helping us see which features are most popular, counting visitors to a page, improving our users’ experience, keeping our services secure, and just generally providing you with a better, more intuitive, and satisfying experience. The cookies we use generally fall into one of the following categories:

  • Necessary cookies. These are cookies that are required for the operation of our website.
  • Performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that you are finding what you are looking for easily.
  • Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie type Purpose
Session

Cookies

These cookies are used to store session information. Web pages have no memories. Session cookies enable Insight Insurance to keep track of the movement of our users visiting the website from page to page so they do not get asked for the same information they have already given to the site. Session cookies are deleted when you close the browser.
Preference cookies These cookies are used to store information about the type of browser used and which additional browser software is installed. They also store the preferences selected when personalising the website, for example, preferred location, language or fonts. These preferences are remembered, through the use of the preference cookies, and the next time you visit the site you will not have to set them again.
Form Values cookies These cookies are used to store the information that you provide when completing forms and the save button is pressed. The stored data is only used to re-fill the form when you return to the same page.
Analytical cookies These cookies help us to learn more about how you interact with our content so that we can better shape our site. They collect information about how the user uses our site, which site the user came from, the number of each user’s visits and how long a user stays on the site. This information does not record the individual user’s specific details and it is used to create web statistics usage at aggregated level.

Pixels, Local Storage, and Other Similar Technologies

We may also use other similar technologies on our services, such as pixel tags and local storage. We use these technologies to do things like help us see what features are most popular, create a more personalised experience, and deliver relevant ads. Pixel tags (also called clear GIFs, web beacons, or pixels) are small blocks of code installed in or on a webpage, mobile app, or advertisement. These tags can retrieve certain information about your browser and device such as: operating system, browser type, device type and version, referring website, website visited, IP address, and other similar information. Local storage is an industry-standard technology that allows a website or mobile app to store and retrieve data on an individual’s computer, mobile phone, or other device.

Your Choices

Your browser probably lets you choose whether to accept browser cookies. And you may even be able to choose or limit the use of cookies and other similar technologies in mobile apps. But these technologies are an important part of how our services work, so removing or rejecting cookies, or limiting the use of other similar technologies could affect the availability and functionality of our services.

Web browser opt-out

Most web browsers are set to accept cookies by default. If you don’t want to allow cookies you may have some options. Your browser may provide you with a set of tools to manage cookies. You can usually set your browser to refuse some or all cookies. For example, some browsers give you the option to allow first-party cookies but block third-party cookies. The difference between first-party and third-party cookies is summarised below:

  • A “first-party” cookie is served by the page or domain that you are visiting. So for example, when you visit our site and we serve a cookie for purposes of remembering your settings that is a first-party cookie.
  • A “third-party” cookie is served by a company that doesn’t operate the page or domain you are visiting. So for example, when you visit our and Google serves a cookie on our site for Google’s analytics that is a third-party cookie.

You may also be able to remove cookies from your browser. Your ability to manage cookies through a mobile browser, however, may be limited. For more information about how to manage your cookie settings, please follow the instructions provided by your browser which are usually located within the “Help,” “Tools,” or “Edit” settings.

Mobile device opt-outs

Your mobile operating system may let you opt-out from having your information collected or used for interest-based advertising on mobile devices. You should refer to the instructions provided by your mobile device’s manufacturer; this information is typically available under the “Settings” function of your mobile device. Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be performance/analytical cookies or targeting cookies.

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. Each browser is different, (for example: Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Edge, Opera) so check the settings in your appropriate bowser to learn more. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Please take note of the following information with regard to third party cookies used on our website.

This is the list of the third party cookies we use on our website. If you would like more information about these cookies, together with information on how to reject or delete the cookies, please see their individual privacy policies using the links provided.

Cookie Description Opt-Out Link/More details regarding specific privacy policy
Google Analytics We use Google Analytics to understand how our media campaigns work and how you interact with our website in order to improve the user experience. https://tools.google.com/dlpage/gaoptout
Google (Remarketing) Google uses this cookie to understand what content you have engaged with on our websites so that they are able to deliver some targeted adverts based on the content you have engaged with on our website(s) in order to serve you targeted ads across other Google partner websites. https://support.google.com/ads/answer/2662922?hl=en
[YouTube] We embed videos or insert links to videos from YouTube on our website(s). As a result, when you visit a page with content embedded from or linked to YouTube, you may be presented with cookies from YouTube. https://support.google.com/ads/answer/2662922?hl=en-GB

Further details

For further details on cookies and how you can control and/or delete cookies as you wish, please see aboutcookies.org. This is an external website with which Insight Insurance has no affiliation or responsibility for content.

Internet Advertising Bureau:

A guide to behavioural advertising and online privacy has been produced by the Internet Advertising Industry which can be found at: http://www.youronlinechoices.eu

+353 1 406 0300
Fax: +353 1 662 4781

Email
info@insightinsurance.ie

Copyright © 2023 Insight Insurance – All Rights Reserved | Company Registration No: 341528
Insight Insurance is regulated by the Central Bank of Ireland. Address: Building 6500, Avenue 6000, Airport Business Park, Cork

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