Who We are
RAC Financial Services Limited (“RAC) works with multiple third party partners in providing you with your RAC travel insurance policy. RAC is the brand owner of your insurance product.
AXA Insurance UK plc, part of the AXA Group, is the Insurer who provides you with insurance services and underwrites you RAC travel insurance policy.
If you have gadget cover as part of your RAC travel insurance policy, AmTrust Europe Limited is the insurer for this part of your RAC travel insurance policy. Your Gadget Insurance cover is administered by a company called Taurus limited.
If you need to make a claim for airline and/or supplier failure, International Passenger Protection Limited (“IPP”), an insurance company that specifically deals with financial failure products will handle your claim for this.
Hood Travel Limited and its subsidiary companies (Hood Travel Limited) arranges and administers your RAC travel insurance policy. This is the intermediary company that processes your personal information on behalf of RAC and the insurer(s) and shares your personal information with all those parties. When you provide RAC with your personal information, you are giving it to Hood Group Limited.
At Hood Travel Limited we respect your privacy and are committed to protecting the confidentiality of your personal data. We collect and process your personal data in line with all relevant Data Protection legislation.
Under such legislation, the Data Controllers of your personal data are:
In cases of Gadget Insurance Cover only:
For more information on Taurus Insurance Services Limited, please see:
In case of Airline and/or supplier failure claims only:
The Data Processor of your personal data is:
Hood Travel Limited collect, process, share and transfer your data on behalf of each Data Controller dependant on the specific purpose of the processing. For more information on Hood Travel Limited, please see:
In this privacy notice, 'we' 'us' and 'our' refers to all the Data Controllers and Processor of your personal data as set out above. It details how all the parties collectively involved in providing your RAC travel insurance policy process your personal data.
This privacy notice may be updated from time to time to reflect developments in Data Protection legislation.
What Personal Data we collect and How
We will collect your personal data from both the information you provide directly to us and data that may be provided about you from certain third parties, for example your insurance broker or doctors in the event of a medical emergency.
We will collect names, addresses and other contact details provided by you when you contact us with a question, to obtain a quotation for one of our products or to provide you with your insurance policy. We will also collect information we need to identify you, financial information and other relevant information required to set up and administer your insurance policy.
When you contact us online or by phone, we may collect your electronic information identifier, for example your Internet Protocol (IP) address or telephone number supplied by your service provider. For your protection, all calls to customer service are recorded.
We may also collect personal data about other individuals to be named on the insurance policy. Before you provide us with any personal data about a third party you must obtain consent from the individual(s) concerned and ensure to keep them advised about how their personal data will be processed.
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 health or criminal convictions, and may be required by us for the specific purposes of underwriting or as part of the claims handling process. Such data will only be used for the specific purposes as set out in this policy wording.
How we use your Personal Data
The personal data you provide to us will only be used for the purpose for which it was collected. The legal basis for this processing your personal data is to provide you with a contract or service, as a legitimate interest of our business or where appropriate, with your express consent.
We use your personal data for the purposes of providing you with your insurance policy and related services, which include:
From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall inform you of this.
Sharing your Personal Data
All personal information is treated with the utmost confidentiality and with appropriate levels of security.
We will only share your information if it is allowed by law, authorised by you, to prevent fraud or with third parties who perform services on our behalf in administering your policy. These include our group companies, affinity partners, brokers, agents, third party administrators, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, medical service providers, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.
We may transfer your personal data outside the European Economic Area (“EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely and in accordance with all Data Protection legislation.
Credit Reference Agency
Your data will be provided to LexisNexis Risk Solutions to carry out a credit check with a credit reference agency in order to provide you with a tailored quote suited to your needs. This will leave a soft footprint on your credit file, which only you can see and so will not have a negative effect on your credit score. The search will be made using full electoral roll, public information and previous search records and a record of the search will be retained by the credit reference agency. The search will be recorded on your credit report in the name of LexisNexis Risk Solutions.
Fraud Prevention Agencies
If we identify or suspect fraud as a result of false or inaccurate information you have provided, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when Checking details on applications for credit and credit related or other facilities; checking details on proposals and claims for all types of insurance; checking details of job applicants and employees.
Insurers pass information to the Claims and Underwriting Exchange Register (CUE) managed by LexisNexis Risk Solutions. Under the conditions of your policy, you may be required to tell us about any incident (e.g. accident, fire, theft or malicious damage) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers
Automated Decision Making
We may use automated decision making, including profiling, to assess insurance risks, detect fraud, and administer your policy. This helps us to decide whether to offer the insurance and determine prices.
An example is when you buy a travel insurance product, we may accept or reject a potential policyholder for cover based on their age. We do not offer insurance for customers above a certain age in the UK. If accepted, the automated calculation of a person’s age may be used to calculate the premium payable.
If you have any concerns regarding the decision reached, please let us know at the contact details set out below and we will arrange for a person to check the accuracy of the result.
You have the right to ask us not to process your data for marketing purposes at any time; to access the personal data held about you; to learn the origin of the data, the purposes and ends of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be shared; to have your data deleted (subject to certain exemptions); to have any inaccurate or misleading data corrected or deleted; to ask us to provide a copy of your data to any controller and to lodge a complaint with the Information Commissioners Officer (ICO). These rights apply whether we hold your personal data on paper or in electronic form.
Your data will not be kept for longer than is necessary. In most cases this will be for a period of seven years following the expiry of the insurance contract, or our business relationship with you, unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.
For any questions on how we process your personal data or to exercise your rights, please contact:
Data Protection Officer
Hood Travel Limited
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