For your information we have included details of who we can speak to regarding your insurance policy. You should make sure you allocate an appropriate person as the Policyholder during your purchase:
Who can :
Discuss the Policy
Make a change
Cancel the policy
Update the payment
Insured person listed on policy
Third Party Payer*
All callers must pass Data Protection on the Policyholder before discussing the policy.
*Can only make changes related to their card
**Authorised person must be listed on the policy by the Policyholder
For information about how we intend to safeguard your data please see the information below.
Emerald Life Travel Insurance is arranged and administered by ROCK Insurance Group. ROCK Insurance Group is a trading style of Rock Insurance Services Limited (ROCK) who is authorised and regulated by the Financial Conduct Authority (FCA No. 300317).
References to "our Website" or "the Website" are to https://travel.emeraldlife.co.uk
ROCK acts as Data Controller, which means that we determine the way in which your data is used (as described in this privacy notice).
We collect personal data and special category data as part of providing services to you. We may also monitor or record calls, emails, SMS messages or other communications in accordance with UK law.
Types of Data we collect
Special Category/Sensitive Data:
We will also assign you a policy number and/or medical endorsement number which we will record alongside your other personal details.
If you provide us with details relating to other individuals, please ensure that you have those individuals’ consent to provide their personal data (including medical data). It is your responsibility to make them aware that we will use those details for the purposes of the relevant insurance policy or services. Please direct them to this privacy notice if they require more information.
Some information is necessary in order to provide you with the service you expect, if you do not provide us with the requested information, we may not be able to offer you the applicable insurance policy.
We will collect your personal data when:
If your data is not collected on a website that is part of ROCK insurance Group, it will be passed to us by the retailer or price comparison website so that we can administer your policy
ROCK uses a number or third parties to provide and administer your insurance. This includes:
It is our aim to use only providers who will ensure your data is processed in the UK or European Union (EU) to provide a high standard of data protection. However we accept that we work in a global environment and cannot completely limit the transfer of data. Where data is transferred outside the UK or EU we require it to be protected according to the applicable laws.
We must make sure that there is an appropriate lawful reason for us to process your data. These legal bases are set out in data protection law and we rely on a number of different conditions for the activities we carry out.
Necessary for the performance of contract:
Providing a quote
Completing a purchase and providing payment confirmation and a certificate of insurance
Taking payment (card or direct debit)
Amending your policy
Answering a query about a policy
Cancelling a policy and providing a refund if applicable
Referring cover outside terms and conditions to the insurer
Validating a policy for a claim or assistance
Offering a renewal and advising your annual policy has ended
Processing sales obtained by an API
Sending policy information to insurer
Contacting you if there is an issue with your policy
We have a legal obligation to:
Quality assessments including staff feedback
Managing training & competency of our staff including feedback
Assessing sales indicators
Including policy information in reports
Necessary in our legitimate interests or those of a third party:
Providing sales and claims management information to Emerald Life and the underwriter
Sending backing data for commission statements
Communicating about your policy
Conducting customer surveys through review sites
Where we process your data using your consent:
We will send you important information about your policy, including your Certificate of Insurance and a renewal notice if you have purchased an Annual policy.
We will send you additional information about your policy so that you have all of the information you need to be able to use and understand your policy.
Contact us here if you also want to opt out of this process.
We will only send you additional information about our products and services if you choose to opt in to that activity during the purchase of a policy. You can always opt out later if you change your mind.
Contact us here if you also want to opt out of this process.
If you require cover for your medical conditions we also must have explicit consent to process any data relating to medical information such as medical conditions, treatment and history – we will be unable to provide you with the relevant policy without explicit consent.
If you require cover for your medical conditions we also need to make you aware that we determine whether or not we can offer cover for any pre-existing medical conditions, as set out above, by carrying our automated decision-making. We cannot undertake this process without your consent.
We do not allow children to purchase our policies online. If you require an individual policy for a child under the age of 18 then we will require explicit consent from the parent or guardian and the insurance contract will be between us and that parent/guardian.
Your personal data shall be retained as long as needed for the authorised purposes listed in section 4. This includes retention of some personal data following the end of our relationship with you, for example to resolve any potential disputes and for ongoing or prospective legal proceedings, to maintain records of our services, and otherwise to comply with our legal obligations and to defend our legal rights. We keep any data used to create a quote for 14 days. If you purchase a policy from us all policy data is kept for 7 years from its end/expiry or cancellation. All other correspondence and voice recordings will be retained for 8 years.
Please contact us if you need further information about our retention periods.
We regularly review the technical and organisational security measures we have in place on our information and communications systems in order to prevent the loss, misuse or unauthorised alteration of your personal information. We also use industry standard security to encrypt sensitive data in transit to our servers.
Communications sent through our website, email or social media, rely on the internet which is a publicly hosted network and is therefore not secure unless the site has been encrypted. ROCK cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
ROCK has deployed an adequate procedure to identify and communicate any incident of data breach within a delay of 24 hours and to resolve it within a reasonable delay.
Further information about security measures we apply to communications sent by email or over our website is available on request.
You have the following Individual Rights:
The right of access to your data and to request a copy of the personal data we hold about you. Please contact us here and we will acknowledge your email within 48 hours. We will not charge you for this request and we will make sure that you receive your information within 28 days.
The right to request that we correct any inaccurate data. Please contact us here and we will take action to correct the data and confirm to you once this has been done.
The right to ask us to erase any data that we hold. Please contact us here. Your request will then be considered and we will write to you by email to inform you of the outcome of our decision and any actions that we will take.
The right to withdraw consent to your data being used to receive direct marketing communications. You can opt out here.
The right to ask us to transfer your data to a new provider. You can make this request here.
The right to complain about how your data is being collected, used or stored. You can complain by clicking here. Alternatively you can contact our Data Protection Officer as follows:
FAO Sarah Hall-Strutt, Data Protection Officer
Rock Insurance Services Limited
Griffin House, 135 High Street, Crawley, West Sussex, RH10 1DQ
Telephone: 0333 202 5670
If you are dissatisfied with the response then you have the right to appeal to the Information Commissioners Office. Please visit https://ico.org.uk/ for further information about how to do this.
Related privacy notices https://www.emeraldlife.co.uk/privacy
Terms relating to your insurance policy (where relevant) are provided separately by us and can be found in your Policy Wording.
From time to time we may need to change the way we use your personal data. Where we believe you may not reasonably expect such a change we will write to you. When we do so, you will have 60 days to object to the change.