Enthusiast and its underwriter (Assetinsure Pty Ltd – ABN 65 066 463 803) is committed to safeguarding and protecting the privacy of personal information. We are bound by the provisions of the Privacy Act 1988 which sets out the standards to be met in the collection, holding, use and disclosure of personal information.
A primary purpose for which we collect personal information is to determine whether and on what terms we might issue you an insurance policy or to manage a claim in relation to an insurance policy you have with us. If you don’t provide all the information requested, the main consequence is that we may not be able to issue you with a policy or pay your claim.
We may use your personal information for other purposes if you consent. We may also use your personal information in other limited circumstances permitted under the Privacy Act 1988, such as where you would reasonably expect us to do so and/or the other purpose is related to the purpose for which we collected the information.
In some circumstances, we may collect your personal information from another person or another source. This will only be where it is unreasonable or impracticable for us to collect it directly from you or you would expect us to collect the information from the nominated third party. For example, where you authorise a representative, e.g., an insurance broker, a financial planner, a legal services provider, an agent or carer providing services to you to deal with us on your behalf.
In issuing and/or managing your policy or claim we may need to disclose your personal information to third parties, including another insurer, our reinsurers, an insurance broker, our legal providers, our accountants, loss investigators or adjusters, anyone acting as your agent or regulatory bodies. We will only do so if it is reasonably necessary for, or directly related to, the issuing or managing your insurance policy or claim.
The majority of information is retained within Australia, but there may be instances where your personal information may be disclosed to and stored by related bodies corporate, business partners, reinsurers and service providers that may be located overseas. Those recipients are usually based in the USA, Canada, Bermuda, Europe (including the United Kingdom), South Africa, Singapore and Hong Kong but may be any country in the world. The overseas countries will have a different data protection regime to that of Australia. The types of personal information we may send to them would usually be associated with an insurance policy you have with us or a claim you are making on an insurance policy such as, name, address, date of birth, occupation, financial status or if a claim is for personal injury, your health details. We will always disclose and collect your personal information in accordance with privacy laws, and only to the extent it is necessary to perform our functions or activities.
Our comprehensive Privacy Policy is available on the Enthusiast website https://www.enthusiast.com.au/important-info/privacy-policy. The Privacy Policy sets out, amongst other things, details of how you can access (and if necessary correct) the personal information we hold about you. It also sets out how and to whom you might complain about a breach of Privacy Law.
If you require any other information regarding Privacy please contact; The Privacy Officer, by post at Enthusiast Underwriting Pty Ltd, Level 21, 45 Clarence Street, Sydney NSW 2000, by email at PrivacyIssues@enthusiast.com.a or phone 1800 10 10 44.
