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Security and Privacy

Security

Feel comfortable when you buy online

Most of us feel comfortable about giving our credit/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.

Online 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 and 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. If a web site has a valid digital certificate, as this web site does, you can check it and verify the:

  • domain for which the certificate was issued
  • 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.

Privacy

Protecting your privacy is very important to Chubb European Group Limited ("Chubb"). We value our relationship with you, whether you are an 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 the 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. If we make any significant change we will announce it here.

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.

Data Protection

For the purposes of this Data Protection Notice and Statement references to "Chubb" include, where the context admits, references to AIB Insurance. Please note, however, that AIB Insurance may separately have explained to You how they hold and use Your personal data and hold personal data separately from that provided by You in connection with this Policy. Chubb will use the information about You for the purpose of providing You with insurance services and, unless you have asked us not to, additional products and services. Chubb accepts fully its responsibility to protect the privacy of customers and the confidentiality and security of information entrusted to Chubb.

The information You provided when You took out Your Policy, together with other information, will be used by Chubb and its group companies. It will be used for administration and customer service. Chubb may disclose information to its service providers and agents for these purposes. It may also be used for the purpose of fraud prevention including passing details to other insurers and regulatory bodies. 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 Chubb. Unless You have informed Chubb otherwise, Chubb may contact You by mail, telephone, email or SMS to let You know about any goods services or promotions that may be of interest to You and/or share Your information with organisations that are Chubb's business partners. If You ask Chubb, Chubb will tell You what information it holds about You and provide it to You in accordance with applicable law. Any information which is found to be incorrect will be corrected promptly. Chubb may monitor and/or record Your communication with Chubb either itself or by reputable organisations selected by Chubb, to ensure consistent servicing levels and account operation. Chubb will keep information about You only for so long as it is appropriate. ptly. Chubb may monitor and/or record Your communication with Chubb either itself or by reputable organisations selected by Chubb, to ensure consistent servicing levels and account operation. Chubb will keep information about You only for so long as it is appropriate.

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 or fulfil 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.

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.

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.

Transfer of data to other jurisdictions/territories including outside EU

The information You provided when using this website or when You took out this Policy, together with other information You provide at any later date, will be used by Chubb and its group companies to help it meet Your needs including supplying You with products and services You have requested, initially or at any later date, supplying You with information about additional products and services and improving its products and services, and the operations of the Web Site. Chubb may disclose Your information to its service providers and agents for these purposes as well as any agents You have appointed to act on Your behalf. For these purposes Chubb may, if necessary, transfer Your information Abroad to countries which do not have the same level of data protection as Ireland. If Chubb does make such a transfer, Chubb will take reasonable steps to ensure that Your information is protected.

Use of "cookies"

We may use technology to track the visitor patterns on our site, sometimes this may include a "cookie". "Cookies" 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 "cookies" from being sent. However, the service we can provide may be reduced if you do not accept "cookies". 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.

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 in relation to your policy, please use the My Insurance tab or use the details on the ‘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).