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Privacy Policy

General

We value your privacy, and this privacy policy (“Policy”) is designed to help you understand how and why we use your Personal Data.

In this Policy “we”, “us” and “our” refers to Travelers Europe which comprises certain companies based in Europe which are part of The Travelers Companies, Inc. group of companies. These companies include Travelers Management Limited and its Irish branch office, Travelers Insurance Company Limited, Travelers Syndicate Management Limited, Travelers Underwriting Agency Limited, Travelers London Limited, and Travelers Insurance Designated Activity Company and its UK branch office. To find out more about our companies, please visit our Regulatory Statement.

At Travelers Europe we routinely collect and use Personal Data including data of prospective Insureds, Insureds, Beneficiaries, prospective Beneficiaries, Claimants and other persons involved in an insurance claim, business partners and other third parties (“you”). We are committed to protecting your Personal Data and we fully understand our obligations under data protection legislation.

When using our website, this Policy should be read alongside the website Terms and Conditions as well as our Cookie Policy.

From time to time, we may need to make changes to this Policy, for example, as the result of changes we make to the way we process Personal Data, government regulation, new technologies, or other developments in data protection or privacy laws. You should visit our website periodically to view the most up to date Policy.

This Policy was last updated on: June 2025

Definitions

All defined terms are capitalised throughout this Policy.

Beneficiary(ies) is an individual or a company entitled to receive a payment under the Insurance Policy if an insured event occurs. A Beneficiary does not have to be the Insured/Policyholder and there may be more than one Beneficiary under an Insurance Policy.

Controller means the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of Personal Data.

Claimant is either a Beneficiary who is making a claim under an Insurance Policy or an individual or a company who is making a claim against a Travelers Policyholder or Insured.

Claims Processing is the process of handling a claim that is made under an Insurance Policy.

EU Model Contract Clauses: standard contractual clauses recognised by the European Commission as offering adequate safeguards for the transfer of data outside of the European Economic Area.

GDPR is (a) the General Data Protection Regulation (EU 2016/679) and any implementing, derivative or related legislation, rule or regulation of the European Union; (b) the GDPR as transposed into United Kingdom national law by operation of section 3 of the European Union (Withdrawal) Act 2018 and as amended by the Data Protection, Privacy and Electronic Communications (Amendments etc.) (EU Exit) Regulations 2019 ("UK GDPR"); and (c) the Privacy and Electronic Communications (EC Directive) Regulations 2003, together with any legislation which replaces it.

Insurance Policy is a contract of insurance between the Insurer (or multiple Insurers) and the Insured/Policyholder.

Insured/Policyholder is the individual or company in whose name the Insurance Policy is issued. A potential Insured/Policyholder may approach an Intermediary to purchase an Insurance Policy, or they may approach an Insurer directly or via a price comparison website.

Insurer(s) (sometimes also called underwriters) provide insurance cover to Insureds/Policyholders in return for premium. An Insurer may also be a Reinsurer.

Intermediaries help Policyholders and Insurers arrange insurance cover. They may offer advice and handle claims. Many Insurance and Reinsurance Policies are obtained through Intermediaries.

Personal Data means any information relating to an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic mental, economic, cultural or social identify of that natural person.  

Policy Administration is the process of administering and managing an Insurance Policy following its inception.

Premium is the amount of money to be paid by the Insured/Policyholder to the Insurer in the Insurance Policy

Processor is a natural or legal person, public authority, agency or other body which processes Personal Data on behalf of the Controller.

Quotation is the process of providing a quote to a potential Insured/Policyholder for an Insurance Policy.

Reinsurers provide insurance cover to another Insurer or Reinsurer. That insurance is known as reinsurance.

Renewal is the process of the Insurer under an Insurance Policy providing a Quotation to the Insured/Policyholder for a new Insurance Policy to replace the existing one on its expiry.

Special Categories of Personal Data means racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometrics (where used for identification purposes), health information, sex life or sexual orientation.