Privacy


Travel Addict Insurance realises the seriousness of its customers rights to their privacy and the statement below will outline how we collect and collate visitors data, in a positive manor.

Terms And Conditions Of Using This Website


Definitions “We”, “us”, “our” means Travel Addict Insurance, a brand name of P J Hayman & Company Limited. “You” means a visitor to our website and/or customer of our product(s). “Product” means a product that we may sell from time to time on our website. “Personal information” means the personal information you provide us when registering, obtaining a quote and/or buying a product.

Exchange of information


We exchange personal information with other approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required or permitted by law. We will use and analyse your personal information for the following purposes:

– managing and administering products and services that are supplied. In the case of insurance products this will include underwriting reinsurance and claims handling purposes and this may include disclosing it to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf;
– considering any applications for products you may make and to help in making credit-related decisions about you where appropriate;
– servicing other relationships you may have with us;
– financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention; assisting in making decisions on insurance proposals, other products and any claim made by you, members of your household, and others connected with your insurance proposals and claims;
– helping us to understand and develop new and innovative products and services.

Your personal information will only be disclosed to third parties outside of us if:

– it is necessary for the performance of your agreement with us; or
– you have given your consent; or
– such disclosure is required or permitted by law; or
– we are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase; or
– any such third party provides benefits or services to you under or in connection with our agreement with you; or
– it is a credit reference agency or fraud prevention agency;  and any such third party has agreed to keep your personal information strictly confidential and use it for the purpose for which we provide it to them.

Because of the nature of our products and the destination of your travel, it may be necessary for us to transfer your personal details to third parties in countries outside the European Economic Area (EEA). Such countries may not have laws to protect your information. By purchasing a policy that includes the possibility of travel outside the EEA, you consent to us so transferring your information. In future the way in which your personal information is viewed, recorded and used may change.

In most cases these changes will result from enhancements in technology. Where we believe the changes may be to your disadvantage, we will give you at least 30 days notice of them by posting notice of such an amendment on this website. If you continue to use a product or service for a further 30 days after notification, we will consider that you have consented to that change (unless you write to us to inform us otherwise).

Fraud prevention


In order to prevent fraud we may at any time: – share personal information about you between us and with other insurers or financial institutions; – check your details with fraud prevention agencies. If you give us false or inaccurate information and we suspect fraud, we will record this and pass this information to fraud prevention agencies. We and other organisations may also search and use fraud prevention and credit reference agency records to: – help make decisions in connection to insurance proposals, insurance claims and other products for you and members of your household; – trace debtors, recover debt, prevent fraud and to manage your insurance policies.

Exchange of information


We exchange personal information with other approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required or permitted by law. We will use and analyse your personal information for the following purposes:

– managing and administering products and services that are supplied. In the case of insurance products this will include underwriting reinsurance and claims handling purposes and this may include disclosing it to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf;
– considering any applications for products you may make and to help in making credit-related decisions about you where appropriate;
– servicing other relationships you may have with us;
– financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention; assisting in making decisions on insurance proposals, other products and any claim made by you, members of your household, and others connected with your insurance proposals and claims;
– helping us to understand and develop new and innovative products and services.

Your personal information will only be disclosed to third parties outside of us if:

– it is necessary for the performance of your agreement with us; or
– you have given your consent; or
– such disclosure is required or permitted by law; or
– we are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase; or
– any such third party provides benefits or services to you under or in connection with our agreement with you; or
– it is a credit reference agency or fraud prevention agency;  and any such third party has agreed to keep your personal information strictly confidential and use it for the purpose for which we provide it to them.

Because of the nature of our products and the destination of your travel, it may be necessary for us to transfer your personal details to third parties in countries outside the European Economic Area (EEA). Such countries may not have laws to protect your information. By purchasing a policy that includes the possibility of travel outside the EEA, you consent to us so transferring your information. In future the way in which your personal information is viewed, recorded and used may change.

In most cases these changes will result from enhancements in technology. Where we believe the changes may be to your disadvantage, we will give you at least 30 days notice of them by posting notice of such an amendment on this website. If you continue to use a product or service for a further 30 days after notification, we will consider that you have consented to that change (unless you write to us to inform us otherwise).

Representation by other people


At the request of many of our insurance policyholders and to make the managing your policy more convenient, it is our policy to deal with a policyholder’s spouse or partner (if named on the policy where applicable) who calls on your behalf. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call to let us know. Please note that we will not reveal any credit or debit card numbers that we hold to anyone other than the policyholder.

At the request of many of our insurance policyholders and to make the managing your policy more convenient, it is our policy to deal with a policyholder’s spouse or partner (if named on the policy where applicable) who calls on your behalf. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call to let us know. Please note that we will not reveal any credit or debit card numbers that we hold to anyone other than the policyholder.

Data protection and data transfer


There are no devices or items contained within the code of this site that extract information from your computer other than information required to make a connection and transfer website content between your computer and the host server. We will from time to time analyse the number and nature of connections made between external sources and the host server specifically for traffic analysis reporting. None of this information will contain any personal or private information relating to you other than the IP address used to make the connection with our host server and the type of browser used to view the website. When requesting quotes, purchasing insurance products and services, engaging in online contact or registering on our database all items of information requested will be clearly and unambiguously labelled and will be submitted securely to our host server. Where we are legally obliged to provide information to official bodies such as the Police, the Courts or other insurance companies investigating potentially fraudulent claims your details will be passed on, without notice to you

Cookies


A cookie is a small text file that is placed on a computer or smartphone when an individual visits a website. We use cookies to enable our website to operate correctly, to enhance your customer experience, track where visitors have come from and record other website activity as well as help us to improve our service to you. Cookies do not store your personal information; they store information about your preferences and actions when browsing our website. Most browsers will usually allow cookies to be set automatically, but if you would prefer to not accept cookies you can change the settings in your internet browser. Please be aware that if you delete certain cookies and/or turn cookies off, this website will not function correctly.

Cookies we use on this website fall into four categories:

Strictly necessary cookies

These cookies help you to navigate our website, use its features and to be able to provide you with a quotation/policy.

Performance (Tracking) cookies

We use Google Analytics to help us understand how people find and use our website. For information about the data Google Analytics’ cookies contain, visit: www.support.google.com/analytics/answer/6004245

These cookies collect anonymous data about how you use our website, including what pages you have visited and how you interact with them. These cookies don’t collect your personal information; they help us to monitor and improve how our website works.

Functionality cookies

These cookies are used to help improve your visit to our website. They remember choices you have made and collect information anonymously.

Targeting and advertising cookies

We use third party cookies to show you appropriate offers and advertising as you browse other sites on the internet. These are based on the way you have interacted with our website. Embedded content on this website also uses cookies which are set

These cookies collect anonymous data about how you use our website, including what pages you have visited and how you interact with them. These cookies don’t collect your personal information; they help us to monitor and improve how our website works. Functionality cookies These cookies are used to help improve your visit to our website. They remember choices you have made and collect information anonymously. Targeting and advertising cookies We use third party cookies to show you appropriate offers and advertising as you browse other sites on the internet. These are based on the way you have interacted with our website.

Embedded content on this website also uses cookies which are set from a third party website.

You can view the cookie policy on the third party website. If you would like to learn more about cookies: www.bbc.co.uk/webwise/guides/about-cookies

How to turn off cookies within your browser: www.aboutcookies.org/how-to-control-cookies/

Please note that if you do turn off cookies within your browser, this website will not operate correctly.

Sensitive information


In order to provide you with some of our products we may need to process sensitive information (such as information about health such as physical or mental health information) about you and others who may be a party to the product or service purchased. We will not use sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy. Please ensure that you only provide us with sensitive information about other people with their agreement.

Call recording


We record telephone calls for monitoring and training purposes and to assist us in preventing and detecting fraud.

Remember the risks whenever you use the internet


Other Internet sites or services that may be accessible through our website will have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions.