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Data Protection Notice

By means of this Data Protection Notice, we, Jatco Insurance Brokers PCC Ltd, would like to provide you with information on how and why we process your personal data as defined by the Data Protection Act 2018 and the General Data Protection Regulations (GDPR) (Regulation (EU) 2016/679).

We process your personal data as may be necessary in order to provide you with the particular insurance product or service that you request of us and to administer the same. We process such data for the purpose of providing you with quotations, underwriting, risk assessment, claims handling, and any other purpose for which we may be obliged or authorized to process such data by or under any law, statutory and/or contractual requirement, including that of preventing, detecting, or suppressing insurance fraud.

For these same purposes, we may need to transfer your personal data to third parties, including but not limited to service providers (insurance companies and agents), surveyors, repairers, loss adjusters, investigators, credit reference agencies, bank and insurance associations. Such third parties may be local or foreign and may form part of an international organization or a group of companies. Personal data may also be obtained from other sources, including but not limited to insurance companies’ systems, the Electoral Register, and the Transport Malta system.

We remind you that you are required to provide personal data since failure to do so may result in our inability to provide a suitable insurance product or service. Furthermore, you are requested to notify us immediately if there is any material change in risk or any change in the personal information provided, to ensure that the information held by us is accurate at all times.

We also remind you of your rights in line with data protection laws and regulations, which are as follows:

  • Right to information: On the type of data requested, the reasons for, and how we process your personal data.
  • Right of access: Your right to obtain confirmation as to whether personal data concerning you is being processed, where, and for what purpose. Furthermore, upon your request, we shall provide you with a copy of your personal data, free of charge, in a structured, commonly used, electronic, and machine-readable format to ensure data transparency and portability. You have the right to transmit this data to any other party.
  • Right to object: To the processing of your personal data and to direct marketing.
  • Right of rectification: Correction of personal data concerning you.
  • Right to be forgotten: Your right to have your personal data erased, no longer processed, cease further dissemination of the data, and potentially have third parties halt processing of the data where the personal data is no longer relevant to the purposes for which it was originally collected and processed. You can withdraw your consent or object to the processing of your personal data where the processing does not comply with the GDPR. However, we remind you that under the Companies Act (Cap. 486) and the General Data Protection Guidelines – Guidelines for the Promotion of Good Practice – Insurance Business Sector, we are required to retain your personal data for a minimum of ten (10) years following the lapse/cancellation of your insurance product/service. During this time, your data will be stored/archived securely in line with GDPR requirements. Erasure of personal data may be requested following this time-frame.
  • Right to withdraw consent: To processing your personal data.
  • Right to restrict processing: Of your personal data.
  • Right to portability: Your right to receive a copy of your personal data in a commonly used machine-readable format and request the data to be transferred to any other parties.
  • Right to object to automated decision-making: Including profiling, which involves processing personal data for the purpose of evaluating personal aspects to make predictions about you based on statistical deductions.

Any such requests must be sent to us in writing to the attention of our Data Protection Officer, Ms. Aida Tortell, at aida@jatcoinsurance.com and signed by you as the data subject.

Kindly also be informed that audio calls made from and received on the company telephone lines are recorded.

You may lodge a complaint with the supervisory authority, the Office of the Information and Data Protection Commissioner, Floor 2, Airways House, Triq Il-Kbira, Sliema SLM 1549 Malta, if you are not satisfied with our data protection processes.

By using our services, you consent to us processing your personal data for the purposes described in this Notice unless you otherwise inform us in writing.

Kindly note this Data Protection Notice can also be downloaded from our company website www.jatcoinsurance.com.

Should you require any further information, please do not hesitate to contact us.

Yours sincerely,

Aida Tortell
Data Protection Officer

Brenda Bonnici
Data Controller

Roberta Saglimbene
Personal Data Representative

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How to report a Claim?

We are here to make sure that the claims process runs smoothly. Being well informed and organised means that the insurance company will have all the information it needs, making the process quick and straightforward.  

First thing you should do is contact us as soon as an event happens. We listed these two most important things you need to do here under so that you don’t overlook any steps in the process.  

Safety first 

Before you start the process, we need to make sure you’re safe. If you feel that your property is not safe, do not enter, contact the emergency services and follow their advice. Should you be victim of theft, vandalism or a serious accident, contact the police. Follow the directions given by the authorities and give them as much information as possible. If the incident is serious, a police report will be filed.  

File your claim immediately 

Once you gather all the information, you should file your claim immediately. The moment you are given a claim number, your insurer is made aware of your situation and can start assessing you. Delays in reporting of claims might result in the insurer not paying for any additional loss or damage caused by the delay. Some policies have a time limit. Make sure you are aware of the details in your policy. Talk to us before you spend money on temporary repairs after an incident as they require prior approval. 

CLAIMS EXPLAINED 

When things go wrong and you are involved in an unexpected accident, disaster or other loss that is covered by your insurance policy, you can make a claim and contact us immediately to notify us. 

The policy you buy is a promise of assistance when things go wrong, provided you fall within the policy’s terms and conditions. Once you lodge a claim, you activate the insurer’s response. If your claim is accepted, the insurer will fulfil the promise it made in the policy.  

Lodging a claim means you are formally notifying us, as your insurance brokers, that you have suffered a loss or damage that you believe is covered by the policy, requesting action.  We will assist you in preparing your claim for the insurer and see if the event or circumstances are risks covered by that policy. You will need to provide proof it is a genuine claim and the insurer will need to be certain the claim satisfies the terms and conditions of your insurance policy. If your claim is accepted, the insurer will work out the value of the claim and provide the appropriate benefit specified in your insurance contract. 

Paying Claims 

As your appointed insurance brokers, we will do our utmost to get settlement of your claim as promptly as possible. When you make a claim, you will need to provide proof of your financial loss under the policy. This may include proof of ownership, police or medical reports, receipts and invoices.  If the insurance company needs more detailed information before deciding, we will let you know what information is needed. The insurance company might decide to appoint an assessor, loss adjuster, surveyor or an investigator to get more information. If an insurance claim is denied, the company must provide an explanation for that denial.   

Claims handling standards 

Each insurance company has its own processes for handling claims. We have listed an overview of the requirements under the different classes of business. The lists are not exhaustive, and insurers may request additional information apart from the usual documents required. 

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The information contained on this site is intended for use by individuals residing in and commercial entities registered in Malta and all EU/EEA member states, under freedom of services legislation. Our insurance brokerage services are mainly targeted for insurance risks situated in Malta and all EU/EEA member states.

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