We will only request necessary information from you and we will try to ensure that your details are accurate and kept up to date.

Where we have collected information directly from you it will usually be obvious what this is, as you will have given it to us. This might not be the case where we have used cookies to collect information from your computer or portable electronic devices. Please see our cookies policy for more information.

We collect and use this information as part of your insurance quotation or contract with us, where it is necessary to fulfil a legal obligation, or as part of the establishment or defence of a legal claim.

We use your personal information in order to meet our obligations in our contract of insurance with you. We use your personal information in the following ways:

To provide insurance services

When you request us to provide you with a quote for one of our insurance policies or you purchase an insurance policy from us, we use information about you:

• To underwrite your boat insurance risk, to quote for, and provide you with boat insurance and any special terms that may apply to that policy
• To administer your policy and enable the payment of premiums
• To contact you about the policy (e.g. for renewal purposes)
• To provide the agreed service if you make a claim.

We cannot provide these services unless we use the information about you in this way.

Do what we are required to do by law

As part of our duty as an insurer providing insurance services, sometimes we are required by law to use information about you:

• To help make sure our customers are being treated fairly (e.g. to assist our regulators where we have a legal duty to do so);
• To deal with complaints;
• To help prevent and detect crime (including, for example, the prevention or detection of fraud); and
• to comply with a legal or regulatory obligation.

We use your personal information in this way because we are required to do so by law.

Prevent fraud occurring

Fraud has an impact on all customers as it increases costs for everyone. We use your personal information to check for signs that a customer might be dishonest (e.g. if someone has behaved dishonestly in the past it may increase the risk they will do so in future).

We may use your personal information in this way because it is in all our customers' interests to ensure that they are not prejudiced due to increased premiums, as a result of a few customers acting dishonestly.

Recover debt

If you owe us money we will use your personal information to help us recover it.

We can use your personal information in this way because it is a necessary part of the contract of insurance. We need to ensure that premiums are paid so that the majority of our customers do not suffer (e.g. through increased premiums) due to the actions of a small minority of customers.

To inform you about and promote products (marketing)

We may use your personal information to offer you suggestions about products and services you might want to buy. We can use your personal information in this way because it is in our legitimate interests to provide you with the right information at the right time,

We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to meet this legitimate interest.

We do not pass your information to any external third party for marketing purposes.

To administer and improve our service

To administer our services we will share information with others, in particular our underwriters, Navigators & General, part of Zurich Insurance plc whose own Privacy Policy is accessible here:

• In order to enable us to process your claim or administer your insurance policy more cost effectively;

• To help develop our products, services and systems to deliver you a better sales and claims experience in the future.

We may also ask you to provide feedback on the service we provide to you.

We can use your personal information in this way because it is in our legitimate interests to provide our services in the most efficient way. We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to achieve this efficiency.

We may share your personal information with third parties.

In particular we share information with:

• Our underwriters, Zurich Insurance plc. We cannot provide these services unless we share information about you with our underwriters. This is required to assist with the administration of your insurance, including claims
• Marine Surveyors and other industry specialists who we may appoint in order to assist with the handling of a claim.
• Other insurance companies to help settle any insurance claim or to verify that the information you have provided is correct (e.g. we may check the amount of No Claims Discount you have told us with your previous insurer).
• Fraud prevention agencies that provide databases and services, such as CIFAS, National Hunter, SIRA and ENI, to prevent or detect fraud.
• Law enforcement or government agencies. We and fraud prevention agencies may permit law enforcement or government agencies to access and use your personal information, if they request it.
• Your spouse or partner who calls us on your behalf, provided they are named on the policy. In some exceptional cases, we may also deal with other people who call on your behalf, but only with your permission. If at any time you would prefer us to deal only with you, please let us know.
• Insurance industry databases, such as the Claims and Underwriting Exchange where you make a claim so that insurers can check that your claims history is correct, and the Insurance Fraud Register.
• Our financial service providers Secure Trading and STFS, for the purpose of credit/debit card authorisation.

We are only allowed to keep your personal information if we need it for one of the reasons we describe in the sections above.

As a general rule, we will keep it for 6 years from the end of your relationship with us, as it is likely that we will need the information for regulatory reasons or for a claim. For example, should you wish to bring some form of legal action relating to your relationship with us, this would generally need to be done within 6 years from the end of that relationship. However there may be exceptions where we need to keep your personal information for longer, such as where a claim has involved a minor.

We will also retain data in an anonymous form for statistical and analytical purposes, for example, to assess risk of storm damage occurring.

If we rely on your consent to collect and process your personal information. You can ask us to stop using your personal information at any time by withdrawing that consent. We will stop using your personal information for those purposes.

Where we are not able to hold or use the personal information we need to provide the service you are asking for, or to fulfil a legal requirement, we will be unable to continue providing that service.

We will be pleased to tell you about why we need the information when we ask for it.

We will collect information about you and your boat, and put this into our computer systems. The computer systems will make certain automated decisions which will be based on comparing you with other people. This may have an impact on the level of premium and your policy terms. We may also use automated decision making to conduct an identity verification check.

This is important because:

• In providing insurance services it helps us decide what price you should pay for your policy and understand any risks associated with that policy;
• In identity verification it helps us to check that you are who you say you are and to prevent others from imitating you.

We have used SSL 256 bit encryption to keep your personal information and credit or debit card account details as secure as possible. We use Secure Trading to provide the highest levels of encryption. Please click on www.securetrading.com for more information.

Your email address and password help us to protect your personal information.

You must keep this password safe and must not disclose it to anyone.

You need your email address and password to access your personal information on the craftinsure.ie web site.

craftinsure.ie will accept no responsibility or liability if a third-party obtains and uses your email address and/or password.

You must tell us immediately if you have lost your password, or if you believe a third-party may have obtained it.

You may change your password through the PolicyHolder section of the website.

Should you wish to remove any information that we may have recorded about you, please email us at help@craftinsure.ie, with full details.

This section tells you how we use cookies, why, and how this allows us to improve our service. We call it our Cookies Policy. If you do not know what cookies are, or how they are used, then we recommend you visit www.aboutcookies.org for detailed guidance.

By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.

We reserve the right to make changes to our Cookies Policy. Any such changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

The list below describe the cookies we use on this site and what we use them for.

Analytics Cookie: We use analytics to collect information about visitor behaviour on our website. The Analytics data we collect is not tied to personally identifiable information and is used purely to improve the usability of our website.

Session Cookies: We use session cookies to allow you to log-in to the Craftinsure site. These are strictly necessary to the working of the website. Session cookies last only for the duration of your visit and are deleted when you close your browser.