Zurich's Privacy Policy
In this Privacy Policy:
"Zurich", "we", "our" and "us" means Zurich Australian Insurance Limited ABN 13 000 296 640 (ZAIL), incorporated in Australia, trading as Zurich New Zealand.
This policy sets out how Zurich collects, holds, discloses and handles personal information about you in accordance with the Privacy Act 2020 (Privacy Act).
The type of information we collect varies depending on the type of product or service we provide to you. We may collect personal information from you directly or from third parties – see "When does Zurich collect this information from other parties?" below for more information on this.
Zurich may collect the following personal information about you:
- Identity information including your name and address, date of birth, passport number (for travel insurance), driver licence number and contact details, such as your telephone number (Identity Information);
- Employment information including your occupation, role, responsibilities and timesheets (Employment Information);
- Property information including the type and valuation of property that is being insured (Property Information);
- Financial information including bank account, card, IRD numbers and bankruptcy or solvency information (Financial Information);
- Criminal history information including convictions, sentencing details, fraud related information and other offence related information, subject to the Criminal Records (Clean Slate) Act 2004 (Criminal History Information);
- Health information including existing medical conditions, medications and medical reports (Health Information);
- Information relevant to your policy and underwriting, for example details of the registration, make, model, colour, accessories and condition of your motor vehicles (for motor insurance) or your travel plans including transport and accommodation details (for travel insurance) (Policy Information);
- Insurance claim information including police reports, loss evaluations, assessor reports and witness statements (Claim Information); and
- Other information provided by you, or by third parties, that is relevant to Zurich's insurance services.
There may be instances where Zurich is authorised or required by law to collect personal information about you. This may include the Privacy Act, United Nations Act 1946 (NZ), Terrorism Suppression Act 2002 (NZ) and Goods and Services Tax Act 1985 (NZ) as those laws are amended and includes any associated regulations, and other financial services, crime prevention, trade sanctions and tax laws.
We use this information to:
- verify your identity and provide access to policy documentation;
- assess insurance applications, administer policies and manage claims;
- manage emergency assistance services including travel, accommodation, liaison and medical services;
- contact you; and
- enhance our products and services including research and data analytics functions.
The types of products Zurich provides are general insurance products, such as insurance for buildings, home and contents, motor, boat, travel insurance and business interruption insurance.
If you do not provide your information, we may not be able to provide you with our products or services – for example, we may not be able to progress an application for insurance or process a claim.
We may also use the information to send you material about other Zurich products or services (where, in the case of electronic marketing communications, you have consented to receiving them). If you do not want to continue receiving this type of material, tell us and we will stop. Our contact details are set out below.
Where possible, Zurich will collect your personal information directly from you. However, we may also collect your personal information from third parties.
Generally, this information from third parties will be used for managing or administering our insurance products and assessing an application or claim. More specific circumstances are described below.
| Who we collect it from | Type of personal information* | Purpose for collecting |
|---|---|---|
| If you are a customer or prospective customer, from your intermediary, broker or professional adviser(s). | Identity Information, Employment Information, Property Information, Financial Information, Criminal History Information, Health Information, Policy Information, Claim Information. | To establish and manage eligibility, risk and cover, including if your intermediary, broker or professional adviser(s) engages with Zurich on your behalf. |
| If you are a customer, from other insurers, reinsurers or distribution partners. | Identity Information, Employment Information, Property Information, Financial Information, Criminal History Information, Health Information, Policy Information, Claim Information | To manage a claim that involves subrogation or recovery from another party or other insurers. |
| If you are insured by another insurer and are a party to a claim that also involves a Zurich customer, we may collect your personal information from your insurer. | Identity Information, Property Information (if your property is the subject of a claim), Policy Information (for example, if we require details of your policy with your insurer to manage or resolve the claim), Claim Information. | To help resolve and manage the claim. |
| If you are a customer, from your travel, transport and accommodation providers. | Identity Information, Property Information, Policy Information, Claim Information | To establish and manage eligibility, risk and cover including confirming details of incidents, lost property, bookings, credits and non-refundable expenses. |
| If you are a customer, from medical practitioners. | Identity Information, Health Information, Policy Information, Claim Information | To establish and manage eligibility and cover including confirming pre-existing medical conditions, injuries incurred, illnesses contracted and medical care received. |
| If you are a customer, from government, statutory or regulatory body and law enforcement bodies including Fire and Emergency NZ (FENZ). | Identity Information, Financial Information, Criminal History Information, Policy Information, Claim Information | To establish and manage eligibility, risk and cover including car registration details in accordance with the section "NZ Transport Agency – Motor Vehicle Register" below, incident reports or investigation reports from NZ Police or FENZ. |
| If you are a customer, from travel companions, family members or friends acting as your emergency contact or authorised liaison. | Identity Information, Employment Information, Property Information, Financial Information, Criminal History Information, Health Information, Policy Information, Claim Information | To manage cover where that family member or friend contacts Zurich on a customer's behalf. |
| If you are listed as an emergency contact or authorised liaison for a customer, from our customer. | Identity Information | To allow Zurich to contact you about the customer's policy. |
| If you are a customer, from witnesses or third parties affected by claims. | Identity Information, Property Information, Policy Information, Claim Information | To establish and manage eligibility, cover and liability for an incident. |
| If you are a third party affected by or involved in a claim, or a witness of an event to which a claim relates, from our customer. | Identity Information, Policy Information | To allow us to contact you regarding an incident, including to collect further information and establish fault. |
| If your employer is a customer, from your employer. | Employment Information, Health Information, Criminal History Information, Policy Information, Claim Information | To establish cover and confirm incident details including if you drive a vehicle your employer's fleet (for motor insurance) or are a company executive (for small to medium enterprise insurance). |
We may also indirectly collect personal information from third parties not listed in the table above, where authorised by you or when we collect it from sources that make that information publicly available.
* See "What type of information does Zurich collect?" above for details of what these categories of personal information (eg "Identity Information") include.
Before giving us information about another person, you must direct them to this privacy policy. If you give us information about another person, you confirm that you have obtained their consent to do so and have provided them with a copy of this privacy notice. Zurich New Zealand may also take steps to verify that appropriate consent has been obtained where required.
Zurich discloses your information to relevant third parties including your intermediary or agent, affiliates of Zurich Insurance Group Ltd, insurers, reinsurers, our service providers (including our mailing house, claim assessor and emergency assistance provider), our business partners, health practitioners, transport and accommodation providers, your travelling companions or family or contact person, your employer, parties affected by claims, our banking gateway providers and credit card transaction processors, government bodies, regulators, law enforcement bodies and as required by law, within New Zealand and overseas. Please contact us if you would like to know who we have disclosed your person information to.
Who our service providers are and where they are located may change from time to time. You can contact us for details. Their locations may include Australia, Singapore, Malaysia, Philippines, United Kingdom or United States of America. Where we disclose your details to overseas recipients, we may not always be able to ensure these recipients comply with requirements comparable to the Privacy Act. You acknowledge that where your details are disclosed to recipients internationally, your details may not be protected by safeguards comparable to the Privacy Act and you consent to such disclosures.
We do not sell mailing lists.
Under the Privacy Act, you are generally entitled to request access to the information we hold about you. Where you are entitled to access, the time we require to give you access will depend on the type of information requested. If we can, we will answer your question immediately. We will also try to answer you in the same way that you ask, for example, if you telephone to ask for the information we will, if practicable, give you that information over the telephone. We will generally respond to a written request in writing.
Sometimes, we will ask that you put your request in writing, for example, where you want copies of material or access to older information or files which are not current or it is necessary for us to retain a record of your request.
We may also ask you to identify yourself to our satisfaction.
You may be able to access some information yourself through Zurich's website. If you have difficulties with finding the information you want or using the website, please advise us.
In some circumstances, we may charge a fee for giving you access, which will vary but will be based on our costs (internal and external) in locating the information and the form of access you require. If we propose to charge a fee for giving access, we will give you an estimate of the fee so you can confirm that you still want us to give you access to the information. We do not impose any charge for lodging a request for access.
If we are entitled under the Privacy Act to refuse to give you access, we will tell you and provide reasons.
Please tell us. We want our records to be accurate, complete and up to date. Unless we disagree with you about the accuracy or completeness of a record, we will generally correct it on request, (or suggest alternative arrangements for updating our records). If we disagree with you, we will give you our reasons.
If you require more information about the way Zurich manages personal information or wish to make a complaint about a breach of your privacy, please contact Zurich (see below for details) and ask to speak to the Privacy Officer.
Call our Privacy Officer on 0508 987 424 or write to us at Zurich New Zealand, PO Box 497, Shortland Street, Auckland 1140, New Zealand.
We reserve the right to review and amend this Privacy Policy from time to time and to notify you by posting an updated version on our website (www.zurich.co.nz).
Zurich Australian Insurance Limited
NZ Transport Agency – Motor Vehicle Register
Statement on Access to Information
Purpose(s):
- where a motor vehicle has been involved in an incident resulting in damage or loss to the insurer’s client, to contact the registered person of that motor vehicle to resolve any financial matters arising out of the incident;
- when assessing an application to provide an insurance policy in relation to a motor vehicle, to ensure the applicant is the registered person of that motor vehicle;
- when verifying entitlement to make a claim or receive a payment under an insurance policy that applies to a motor vehicle, to ensure the registered person of that vehicle is the person to which that insurance policy applies; or
- when identifying another vehicle/registered owner, involved in a claim, we may also use it to recover payment where necessary.
You can contact the New Zealand Transport Agency to limit access to your name and address details or if you are concerned that the ownership details set out above are not correct.
Revoke authorised access to my personal details (Opt-out)
A cookie is a small, text-based file used frequently on some websites and portals. They can be permanently stored on your hard drive (persistent cookie) or in your computer's memory (session cookie).
Zurich uses session cookies to interact with your browser. They are designed to assist and streamline the exchange of information between your computer's browser and our computer systems. For example, a session cookie is created after you log in with your user name and password and your access is authenticated. The session cookies assists in validating that Zurich's computer is communicating with your web browser throughout the time you access the website during the session. When you end the session by logging off or closing the browser, the session cookie is rendered inoperable.
Other cookies used by Zurich collect information about the use of Zurich's website. The information collected includes where visitors connect from, what version of browser they use and their path through the site. In some circumstances, cookies can also provide information to identify a person. It helps us to provide personalised features and to meet online expectations of our clients, to improve our services and products, as well as keep our content fresh and relevant.
When you apply for an insurance policy using our website or our online application forms, Zurich collects personal information about you as a part of your application. Once you submit your application online, Zurich may use cookies, which in this case may personally identify you through your application information, to identify traffic source, to improve our website and your customer experience, as well as to keep our content fresh and relevant.
The use of cookies however, is ultimately governed by you, as you can choose if and how a cookie can operate by configuring certain preferences and options in your browser. They need to be enabled if you wish to use the secure log in services here. Choosing to disable cookies will return you to the log in page.