Privacy Statement

Your private sphere is important to us. That‘s why we are explaining to you how we handle your customer data on the Internet.

1. Security Software SSL

ERV – Europäische Reiseversicherung AG uses a transfer procedure – the "Secure Socket Layer" (SSL) transfer – in order to process customer data.

Our security server software encrypts all information and personal data transferred, e.g. credit-card number, bank sort code, bank account number, name and address. This information cannot be read by unauthorized persons when it is being transferred on the Internet.

When the information is encrypted, the characters entered by you are converted to a code that can be transferred securely on the Internet.

2. Access to personal data

Personal data relates to individual items of information that can provide details of the identity of a person or their circumstances (name, address, telephone number, email address, etc.). This term does not therefore include information that has been made anonymous which cannot provide direct reference to a specific person, e.g. the number of visitors to a website.

3. Permission for data use

By entering your personal data you give us permission to store this data and to use the data for processing within the booking process and any subsequent processes involving insurance benefits. Only data specifically necessary for processing procedures are collected, stored and used.

4. Use of personal booking data

We require your personal booking data exclusively for purposes of issuing the insurance certificate, for providing insurance cover for the duration of your trip and as necessary for claims settlement. Credit-card numbers and other banking data are only used for payment processing and not for other purposes. You will not transfer to us any other data necessary for claims settlement over the Internet.

If we additionally store your demographic data (age, gender, etc.) or your travel data, this will be carried out in anonymized form exclusively for internal statistical purposes. In this way, we will attempt to tailor our product content specifically to your requirements and wishes, and hence offer you maximally optimum insurance cover.

5. Declaration of ERV on the code of conduct

The insurance industry has always been dependent on using personal data of customers. Observance of informational self-determination, protection of privacy and the security of data processing are a core concern for the insurance industry in order to guarantee the trust of the insured.
The German Insurance Association (GDV) together with data- and consumer protection agencies has developed a code of conduct for the handling of personal data by the German insurance industry. These principles have been approved by the Berlin Commissioner for Data Protection and Freedom of Information.

For the insured the new code of conduct makes it much clearer what happens with their data, from submitting an application to claims adjustment. Customers can rely on the processes described in the voluntary commitment being compatible with German data protection law. The general rules of the German Data Protection Act have been specified here for the insurance industry for the first time. This creates transparency in data processing in our industry. Our wish is in this way to reinforce the trust of our customers in internal company processes.

ERV acknowledges the code of conduct for the handling of personal data by the German insurance industry and undertakes to observe these regulations in processing customer data.

6. List of Service Providers (for consent and confidentiality exemption clauses) 

We maintain a list of all service providers that work with ERV within the framework of a contract. The obligation to maintain this list results from the new consent and confidentiality exemption clauses as well the new code of behaviour (Code of Conduct) that were agreed upon between the German Insurance Association (GDV)[Gesamtverband der Deutschen Versicherungswirtschaft] and the supervisory data protection authorities. The objective of the list is to establish transparency regarding the processing of your data.

The list features service providers that collect, process and utilise health data and/or other personal data on behalf of ERV as contractually agreed. The service providers are specifically named if their principal task is the collection, processing, and utilisation of personal data. This includes the ERGO Versicherungsgruppe AG, for example. Service providers whose principal task does not include the processing of personal data, such as disposal firms for paper waste and electronic storage media, are named in the service provision categories only. The same applies to service providers that only occasionally work for ERV.

Please be advised that the list contains all ERV service providers. This does not signify, however, that your data is principally forwarded to all service providers. Generally, ITERGO GmbH, a company belonging to the ERGO Group, has been commissioned with the collection, processing and utilisation of personal data.

You can find the ERV service provider list here.

7. Your anonymized virtual identity (ID) and cookies

For purposes of our internal statistics, we allocate an anonymized virtual identify (ID) to every user of our website. This ID is set via a cookie in the browser or alternatively attached to the Internet address.

Cookies are small text files that our server transfers to your computer, as soon as you are linked with ERV on the Internet. This text information can be called up in your computer every time you visit our website. If you configure your browser appropriately, you will receive an alert as soon as the system wants to set a cookie. You can then reject acceptance of cookies. Naturally, our full range of information is always available to you.

Cookies allow us to provide you with an effective and technologically refined service. We can then offer you packages and benefits that you require for your tailormade insurance cover.

However, no personal data is collected by cookies themselves. They only permit allocation of a visitor to the unique visitor profile stored for that person. Since this user profile is managed in anonymized form (ID), we are also guaranteeing protection of your private sphere here.

8. Log Files

Log Files permit us to manage use of the site by users. Our technology provider compiles the log file information of all our visitors. We use the log files exclusively for purposes of changing the layout and content of our site, in order to modify our site so that is structured to be maximally user-friendly for you as a user.

Log files don‘t include any personal information about you.

9. Forwarding data to third parties

We will not forward your personal data that we receive through Internet bookings or applications to third parties without your express permission.

10. Change to our data protection policy

Any change in how we handle personal data will be published in future versions of this declaration.

11. Information and questions

You have the right to receive information about stored data relating to your person free of charge at any time. If you have any questions about your data protection at ERV, you can contact the Data Protection Office at ERV:

Europäische Reiseversicherung AG

Data Protection Officer
Rosenheimer Str. 116
81669 München

Telefon: +49 (0) 89 4166 - 00

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