Privacy Policy

SECTION 1 – WHAT DO WE DO WITH YOUR INFORMATION?

Here at Jatco Insurance Brokers we take your privacy seriously and will only use your personal information to administer your account and to provide the products and services you have requested from us.

When you visit our website, we may collect the personal information you give us such as your name, address and email address when you use forms present on our website.

When you browse our website, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

Email marketing (if applicable): With your permission, we may send you emails about us, new products and other updates.

SECTION 2 – CONSENT

How do you get my consent?

When you provide us with personal information to for example when you fill in a contact form, we imply that you consent to our collecting such information and using it for that specific reason only.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting aida@jatco.mt

If you would like to review the data we have collected you can request access by contacting aida@jatcoinsurance.com

SECTION 3 – DISCLOSURE

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

SECTION 4 – THIRD-PARTY SERVICES

The third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

Once you leave our website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.

When you click on links on our website, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements prior to submitting any requested personal information.

SECTION 5

A) SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

B) COOKIES

Here is a list of cookies that we use. We’ve listed them here so you can choose if you want to opt-out of cookies or not.

Site analytics cookies – these cookies allow us to measure and analyse how our customers use the site, to improve both its functionality and your shopping experience.

Targeting or advertising cookies – these cookies are used to deliver ads relevant to you. They also limit the number of times that you see an ad and help us measure the effectiveness of our marketing campaigns.

By using our site, you agree to us placing these sorts of cookies on your device and accessing them when you visit the site in the future. If you want to delete any cookies that are already on your computer, the “help” section in your browser should provide instructions on how to locate the file or directory that stores cookies. Please note that by deleting or disabling future cookies, your user experience may be affected and you might not be able to take advantage of certain functions of our site.

SECTION 6 – AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state, county, province, region or country of residence, or that you are the age of majority in your state, county, province, region or country of residence and you have given us your consent to allow any of your minor dependents to use this site.

SECTION 7 – CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently.  Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our organisation is acquired or merged with another company, your information may be transferred to the new owners.

SECTION 8 – PERSONAL DATA TRANSFERS

In order for Jatco to provide its services, we may transfer personal data to countries outside the European Economic Area (EEA). Jatco cannot guarantee that such countries data protection regulations offer the same level of protection for Personal Data as provided in the EEA.

Jatco is allowed to transfer personal data to certain countries outside the EEA by the European Union (EU). Such countries have been approved by the EU commission and have been confirmed as offering equal protection as data protection offered in the EEA’s data protection regulations.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information you may contact our Data Protection Officer at:

The Data Protection Officer,

Jatco Insurance Brokers PCC Ltd

The Reed Centre, Blue Harbour,

Ta’ Xbiex Marina, Ta’ Xbiex, Malta

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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. 

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.