Privacy Policy

Hood Travel Limited Privacy Notice last updated October 2023.

This privacy notice will help you understand how we collect, use and protect your personal information. You should also show this notice to any named persons on your policy and anyone else whose details you provide to us. To make sure that the data we hold is accurate please tell us if there are any changes or errors in the data that we hold. You have the right to rectify the data we hold under the Data Protection Act 2018.

During the life of your policy, we may need to contact you with important information. We will do this using the contact details you have given us.

You can manage your communications preferences when taking out the policy or unsubscribe at any time by contacting us at service@ageas-travel.co.uk.

This policy may include links to websites other than ours and these will contain their own privacy and cookie notices.

There are multiple organisations involved in providing you with your Ageas Travel Insurance travel insurance service. This privacy policy explains how Hood Travel Ltd process your data:

• Hood Travel Limited ("Hood") which sells and administers the policies and provides customer services facilities.

In this privacy notice, ‘we’, ’us’ and ‘our’ refers to Hood unless otherwise stated.

There are other organisations who we share the data with, and these have their own separate privacy policies which are included below. These are:

• There are other organisations who we share the data with, and these have their own separate privacy policies which are included below. here.
• Inter Partner Assistance S.A, part of the AXA group ("AXA") which underwrites the policies and is responsible for claims handling. https://www.axapartners.com/en/page/en.privacy-policy
• Taurus Insurance Services Limited which provides the gadget cover and is responsible for gadget claims handling; Their privacy policy can be found here here

If you received a quote for your policy before the 25th October, it would include cover for Financial Failure provided by International Passenger Protection.

• International Passenger Protection Limited If you received a quote for your policy before the 25th October, it would include cover for Financial Failure provided by International Passenger Protection. here

The type of personal information we collect

The types of information processed by Hood as data controller are shown in the table below.

Data

Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.

Contact Data includes billing address, postal address, email address and telephone numbers.

Financial Data includes bank account and payment card details to purchase a policy. Financial data will be encrypted accordingly.

Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.

Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.

Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.

Usage Data includes information about how you use our website, products and services.

Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

How we get the personal information and why we have it

The personal information we process is provided directly by you to Hood when you are applying for a quote for a travel insurance policy (by telephone or submitted through the website) or when you contact our customer services department (by telephone, email, post or real-time web live chat).

Purpose

Pricing retail rates

Amendments to and renewal of a travel insurance policy

Providing you with policy documentation relating to a contract of insurance

Providing a customer services facility via telephone, email and real-time web live chat

Complaint's handling (non-claims complaints)

Processing premium payments and refunds

Screening against the HM Treasury financial sanctions list

Prevention and detection of financial crime

Marketing

Providing you with information we believe may be of interest to you related to your travel insurance policy

Understanding how people interact with the travel insurance website

Recording phone calls for record keeping, training and monitoring

We will only share your information if it is allowed by law, for prevention of fraud or with third parties who perform services to administer your policy. These include our respective group companies, price comparison website providers, third party administrators, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.

Under data protection legislation, the lawful bases processing this information are in the table below.

Lawful Basis

Contractual obligation

Legal obligation

Legitimate interest

Automated Decision Making

Hood uses automated decision making, including profiling, to assess insurance risks, detect fraud, and administer your policy. This helps to decide as to whether insurance can be offered and determine prices.

An example is that when you buy a travel insurance product, a potential policyholder may be rejected for cover based on their age. We are not able to offer insurance to customers above a certain age. 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 Hood know at the contact details set out below and we will arrange for a person to check the accuracy of the result.

How we store your personal information

Your information is securely stored within the United Kingdom.

We keep your personal data for:

• thirteen months after the date you request a quote; or
• in the case of a purchased policy, seven years after it has expired.

We will then dispose of your information by deleting it from our systems.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact Hood Travel using the details provided under 'Our contact details' if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us using our contact details in the table below.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO's address:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk

Our contact details

Company	Hood Travel Ltd
Address:	2nd floor, Dencora Court Tylers Avenue Southend On Sea Essex SS1 2BB
E-mail:	dpo@hoodgroup.co.uk