Privacy Policy

Topics

Understanding your rights to privacy and how Staysure Expat Travel Insurance protects them.

Who we are

Howserv Europe, S.L., (“Howserv Europe, S.L.,” “we”, “us” or “our”) is committed to data protection and data privacy. We would like to provide users of our website (“you”) with information regarding the way that we use the information that is collected on our website or over the phone. We recommend that you read this Privacy Policy (“Privacy Policy”) so that you have a clear understanding of the data that we collect and how we use this information.

About Howserv Europe, S.L.

Howserv Europe, S.L. is a subsidiary of Avanti Group Solutions (AGS). Staysure Expat travel insurance, which is a trading name of Avanti Group Solutions, is administered by Howserv Europe, S.L., Agencia de Seguros Exclusiva, an Exclusive Agent of ERGO Seguros de Viaje, (Registered office: Av. Isla Graciosa, 1, 28703 San Sebastián de los Reyes (Madrid), España).

Our policies are processed by our outsourced service provider, Howserv Limited, in the United Kingdom. Howserv Limited is authorised and regulated for the administration of insurance policies by the Financial Conduct Authority, FRN 599282. The registered address of Howserv Limited is Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB.

About ERGO Seguros de Viaje

This insurance is underwritten by ERGO Seguros de Viaje, Sucursal en España, an Ergo Group Company registered in Germany as Europäische Reiseversicherung A.G. ERGO Seguros de Viaje is is authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and the Dirección General de Seguros y Fondos de Pensiones of the Ministry of Economy of Spain. Firm Reference number is E-0217.

The information we collect, how it’s collected and what it’s used for

As a joint data controller with ERGO Seguros de Viaje, we collect and process information about you when you complete an online quote or telephone our contact centre, so that we can provide you with the products and services you have requested. This will be your name, age, address, health information, travel dates, destination, and other information which is necessary for us to:

• meet our contractual obligations to you;
• issue and administer this insurance policy including payments and other transactions;
• service your policy; and
• detect, investigate and prevent activities which may be illegal, or could result in your policy being cancelled, or voided.

Special Categories of Personal Data

Some of the personal data you provide to us may be more sensitive in nature and is treated as a Special Category of personal data. This could be information relating to your health or criminal convictions, and may be required by us for the specific purposes of underwriting or as part of the claims handling process. The provision of such data is conditional for us to be able to provide insurance or manage a claim. Such data will only be used for the specific purposes as set out in this notice.

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.

Marketing and research

We may use your information to:

• keep you informed by email only, about products and services, articles or competitions 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;

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 purposes.

If you wish to do this, please call or write to Staysure Expat Customer Services at Howserv Limited, Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, Northamptonshire, United Kingdom, NN4 7YB.

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.

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. To opt out of receiving communications through the following platforms, follow these “opt out” processes:

Google – https://myaccount.google.com/privacy#ads

Bing – https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

Facebook – https://en-gb.facebook.com/help/146952742043748

Twitter – https://help.twitter.com/en/safety-and-security/privacy-controls-for-tailored-ads

Double Click – https://myaccount.google.com/privacy#ads

VE Interactive – https://www.ve.com/privacy-policy

AdRoll – http://www.youronlinechoices.com/uk/your-ad-choices

Email – you can unsubscribe at the bottom of any email you have received from us.

Others not named above (remove specific advertising cookies) – http://www.youronlinechoices.com/uk/your-ad-choices

What is the Legal Basis for processing your Personal Data?

We process the above data for the ‘performance of a contract’, or ‘legitimate interest’, and we process information about medical conditions, or health on the basis of ‘substantial public interest’.

Who we share your information with

We will share your information with our outsourced service provider (Howserv) in order to process your policy and the Underwriter in order to arrange your policy and deal with any claims. We will not share your information with anyone else unless we are required by our regulators, or other authorities, such as the Police.

We will not pass on your personal data to any party outside of Staysure Holdings Limited for the purposes of marketing products or services to you.

Your rights

Under UK GDPR, all data subjects have the following rights:

• To obtain a copy of your data that we hold, via a Data Subject Access Request;
• To have the data corrected if it is inaccurate or incomplete;
• To have the data deleted, although this may not always be possible, if we still need to process it, i.e. for a claim or complaint;
• To ask us to stop processing your data in certain circumstances; and
• To receive a copy of your personal information in a portable format which can be shared by you.

How long we keep your data

We will only retain your data for as long as we require it.

How we store and protect information

Information collected by us is securely stored on servers located either in the United Kingdom or European Union. We keep and process this information to meet our contractual and regulatory obligations or to deal with requests from other authorities. You have the right to request a copy of or correct the information that we hold about you. If you would like a copy of the information we hold about you please contact us by email or letter as shown below:

Enquiries in relation to data held by Howserv Europe should be directed to:

Data Protection Officer

Staysure Expat
Britannia House
3-5 Rushmills Business Park
Bedford Road
Northampton
NN4 7YB

Email: [email protected]