Pacific International Insurance
We collect personal information about you and other drivers for the purposes of quoting and servicing your insurance policy. This includes underwriting and rating the insurance, controlling fraud (underwriting and claims), investigating and settling any insurance claims, communicating with you, and conducting research and actuarial analyses to improve our products and pricing. Without this information, we may not be able to provide a quote for or service your insurance policy.
In most cases, we collect personal information directly from you. This information may include your name, street and email addresses, phone number, date of birth, gender, marital status, education level, residential status, licence status and history, driving history, information about other drivers, vehicle details, garaging address, and prior insurance details. For underwriting, rating and claim purposes, we may also obtain from third party service providers information concerning any past bankruptcies, law enforcement history, driving history, claim information and information related to your residence. Information about prior claims is obtained from Insurance Reference Services, an industry claims database.
In the case of quoting your insurance policy, your personal information may be retained on our systems and we may use this information for the purposes of subsequent follow up with you.
If you have an accident that may be covered by your insurance policy, we will obtain additional information about you and the accident in order to investigate and settle your insurance claim. We will obtain this information from you, police reports, and third parties, such as witnesses and people involved in the accident.
Our website will also obtain information that is unique to Internet transactions. It includes the website that linked you to ours, your computer operating system, and the pages you viewed on our site. Our website will also store “cookies” on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.
We will use and disclose your personal information only for the purposes for which it was given to us, for related secondary purposes that you’d reasonably expect, with your consent, or as otherwise may be required or authorised by law, such as applicable exemptions under the Privacy Act 1988.
Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients may include, for example, claims representatives, other insurance companies, our related entities, service providers, law enforcement, courts, and government agencies. We are members of Insurance Reference Services (IRS), any claim and/or policy information may be reported to IRS as part of the industry’s objective of controlling fraud.
We will not use or share your personal information with other organisations for their marketing purposes without your consent.
We restrict access to your personal information to our employees and others who we feel must use it to provide our products and services. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic and procedural safeguards to protect your information.
You may receive a copy of the information for a fee to cover our costs. We may not provide access to certain information, such as privileged information about insurance claims or lawsuits, but we will provide a reason for denying any such access.
To correct information about you, send a written request as described above, explaining your desired correction. Within 10 business days, we will either make the requested correction or tell you why we will not.
If we make your requested correction, we will notify you in writing. If we do not make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file.
You may appeal if you are refused access to a document, or we have refused to amend information on your personal records, or believe you have a general privacy matter to resolve.
We will endeavour to resolve any dispute you may have quickly and fairly. However, if you feel your matter is unresolved, you can make an appeal by emailing a Blue Badge Insurance (BBI) Internal Dispute Resolution (IDR) representative at [email protected]. If, after contacting the BBI IDR representative, you are not satisfied with the outcome, you can refer the matter to the Office of Australian Information Commissioner by telephone 1300 363 992 or email [email protected].
When you visit our website, we use the information we collect to provide services to you and to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off. We also use this information to analyse use of our website.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to reject all cookies. In most cases, you can do this by changing the settings on your browser (e.g., Internet Explorer, Google Chrome, Mozilla Firefox, etc.). Each browser is a little different, so look at your browser’s “Help” menu to learn how to modify its settings to reflect your cookie preferences. However, if you choose to reject cookies, you may not have access to many features that make your web experience smoother, and some of our services may not function properly. Flash cookies may be managed using the Adobe Flash Player™ Setting Manager available at adobe.com.
When you quote or buy insurance on our website, we collect your email address so that we can send you emails concerning your transactions with us, and other information we think you’ll find useful.
We will also use your email address to provide updates about our products and services. You can stop receiving promotional updates by using the Contact Us link on this page or by emailing us at [email protected].
To ensure you get our emails, our service provider or we may receive confirmations when you open them or click through email links. These confirmations may also show whether your email application supports graphics, so we can tailor our messages to you.
Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.
Our website may contain links to other sites that are not maintained by us. These links are solely for your convenience. We make no warranties or representations about other websites. We recommend that you read the privacy and security policies of these sites.
Cookie: A small text file saved in your computer when you access certain Web pages. Cookies identify you to the website that gave you the cookie.
Internet protocol (IP) address: A string of numbers that are translated into a domain name.
Operating system: The program responsible for overseeing the basic hardware resources of a computer. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.
Session ID: The code used to keep track of a person as they interact with a server.
Web beacon: Also called a Web bug, pixel tag or clear GIF, a Web beacon is a clear graphic image placed in Web pages. Web beacons are used in conjunction with cookies to monitor user activity on a website.