Your privacy is important to us. We at 1Cover Pty Ltd (ABN 91 105 954 265) take all reasonable steps to ensure that your private information is protected. In this policy, we outline how we collect, use, disclose, hold and protect your personal information. It also deals with how you can complain about a breach of the privacy laws, how you can access the personal information we hold and how to have that information corrected. Our Privacy Policy complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Personal information is data that can be used to identify or contact a single person. While some interactions with us, such as getting a quote, can be made anonymously or by using a pseudonym, in order to purchase a travel insurance policy, it is necessary for us to know who you are. We require certain personal information such as your name, age, contact details, credit card details (for payment purposes only), travel destinations and in certain circumstances, health information for those covered on your policy.
We may also collect your bank account, employment history, and other contact telephone numbers which is necessary if a situation arises where we need to urgently contact you. We may also require additional information to service emergency requests, medical issues and claims.
There are several ways we may collect your personal information. This includes completing forms on our website, when you speak to someone in the call centre, during conversations with our claims team, or through associated appointed third party agents.
We may receive information from other sources such as joint marketing partners, publicly accessible social media platforms and personal data may be acquired as one of the assets transferred in the event of a corporate sale, merger or acquisition.
If you make a claim, we may collect your information from others such as:
Organisations that assist us with fraud prevention & detection such as, but not limited to, the Insurance Fraud Bureau of Australia (IFBA).
If you nominate individuals to be covered by your insurance policy, you should direct them to this Privacy Policy and make them aware of the content of any privacy notice we provide you.
We will only use your personal information, including sensitive information like medical information, to provide you with our travel insurance services. For example to:
We may also use this data to improve your customer journey and ensure that we can deal with you quickly and efficiently. For example:
For policies incepting after 11th October 2023, we may at times disclose your personal information to our related companies or third parties who provide services on our behalf. However, we will never sell, trade or rent your personal information. We will only share your information if required to carry out our business functions and activities, including but not limited to:
If you would like more information about HDI Global Specialty SE, (the insurer’s) privacy policy, please visit: https://www.hdi.global/en-au/legal/privacy/
For policies incepted prior to 11 October 2023, the insurer on our travel insurance products was Lloyds of London.
Lloyd’s privacy policy can be found here:
https://assets.lloyds.com/media/2756abc7-b90b-4e49-9b58-1fb7f454ea9c/Lloyd's%20Australia%20Privacy%20Notice.pdf
For policies incepting prior to 1 December 2018, the insurer on our travel insurance products was Arch Insurance.
Arch’s privacy policy can be found here:
https://insurance.archgroup.com/divisions/international/australia/compliance/
Information you supply for car insurance or home insurance is collected by Auto & General Services Pty Ltd (A&G). The webpages for car insurance look similar to the content of our website but if you supply any personal information on those webpages it is collected by A&G.
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or documentation retention requirements.
We hold your information in on our computer systems or databases, which may involve storing data on storage or computer systems provided by third party suppliers; in paper records; and/or in telephone recordings.
We use the very latest, industry-standard Secure Socket Layer (SSL) technology to protect your personal information when you supply it via our website. This technology encrypts the information you enter to prevent other computers from impersonating your computer and prevents third parties from reading or changing your information as it travels over the Internet. If you are unhappy about entering your payment information online, then you are more than welcome to provide such information over the phone, please email your request to [email protected].
In some cases, your information may be archived and sent to an external data storage provider for a period of time. We use storage providers located in Australia who are regulated by the Privacy Act and the Australian Privacy Principles as well as some storage providers located overseas.
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.
If you wish to access or correct your personal information please write to our Privacy Officer, at 1Cover Travel Insurance, PO Box 6798 Baulkham Hills NSW 2153 Australia, or at [email protected].
Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We reserve the right to charge an administration fee for the costs of retrieval, supply of any requested information. We will not charge for making the request and will not charge for making any corrections to your personal information.
In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal.
We also use technology to collect anonymous information about the use of our website. This is employed for statistical analysis to identify usage patterns and improve your experience with our website. For example, we use cookies to help us remember information you previously entered. By passing a unique identification between your computer and the 1Cover Travel Insurance website, we can show you quote information that you have already requested, eliminating the need to re-enter information.
Anonymous data we collect includes, your computer’s IP address, recording the time and pages you visited, the device and browser you are using. Cookies by themselves cannot be used to discover the identity of a user. Cookies may also be used to help us tailor our online ads or to deliver an advertisement to you that may be more relevant to you. You can disable cookies in your web browser but if you do so, some features on this website may not work properly. Cookies are also used to ensure against fraud, misuse.
If you believe your privacy may have been prejudiced, or if you have concerns about whether we have complied with the Privacy Act or our Privacy Policy when collecting or handling your personal information you have the right to make a complaint about the matter. You should do so by contacting our Privacy Officer, at 1Cover Travel Insurance, PO Box 6798 Baulkham Hills NSW 2153 Australia, or by email at [email protected].
We will respond to your complaint and investigate the matters raised in accordance with our Data Breach Policy and respond in accordance with our Data Breach Response Plan. We will endeavour to resolve your complaint within 30 days. If we are unable to resolve your complaint within this time, you may take your complaint to the Office of the Australian Information Commissioner (OAIC)
https://www.oaic.gov.au/individuals/how-do-i-make-a-privacy-complaint
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Tel: 1300 363 992
Web: www.oaic.gov.au
By using our website to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
1Cover sends transactional SMS messages to customers once they have purchased a 1Cover Travel Insurance Policy; they include essential details about the cover.
1Cover send transactional SMS messages to customers once:
- They have purchased a policy.
- They are about to depart.
- They are due to extend their policy
By purchasing a 1Cover policy either via phone or the website. 1Cover transactional SMS messages are not mobile spam. The service is not a recurring message program.
1Cover transactional SMS messages are complimentary, however, Message & Data rates may apply. Depending on your text plan, you may be charged by your carrier.
Telstra Australia, Singel Optus Ltd aka OPTUS, Vodafone Australia, Virgin Mobile Australia, Hutchison 3G
1Cover transactional SMS messages include important details that by law we must provide.
THIS PRIVACY POLICY WAS UPDATED ON 11th OCTOBER 2023
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
AU
NZ 