Privacy Policy

This Privacy Policy sets out how AM&T (Allianz Marine & Transit Underwriting Agency Pty Ltd) * collects, stores, uses, and discloses personal information.

Where required by law, we’ll provide you with privacy information (in the form of a Privacy Notice or other privacy disclosure documentation) which is specific to the products or services you want to obtain from us, or specific to your dealings with us.

What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:

• whether the information or opinion is true or not; and
• whether the information or opinion is recorded in a material form or not.

What kinds of personal information do we collect and hold?

The personal information collected and maintained by AM&T generally includes your name, date of birth, gender, and contact details including your address. We will also ask you for information specific to the product or service you decide to purchase from us, such as details of any property or vehicle being insured.

For some policies, we also collect and maintain sensitive information about you. This may include information about your health, genetics, membership of any trade unions or professional associations and any criminal convictions you may have.

There are some circumstances where you can deal with us anonymously, such as when you are only looking for general information about one of our products or services.

If you have applied for employment with us, we collect your name, address, contact details, current and past employment information, educational qualifications, and professional associations. We also collect information about and proof of your residency status, the name and contact details of your referees and other information required for recruitment purposes. Where we seek your consent to conduct a background check, we also collect details of your proof of identity from you.

In the recruitment process, we may ask you to answer optional questions about your personal attributes including ethnic background and disability information. This sensitive information will only be collected with your consent, and only for the purpose of understanding the diversity profile of applicants and employees and for internal reporting purposes within AM&T, Allianz Australia and the Allianz Group.

How do we collect your personal information?

We collect your personal information from your intermediary in writing, over the telephone, and/or by email. In some circumstances, we may also collect it from:

• a co-insured on your policy;
• third parties who you have asked to provide your personal information to us, including your referees, your insurer or a financier with an interest in your insured property;
• our related entities’ agents, distributors and service providers (which may also include overseas service providers) and agents or subcontractors of any of those providers;
• other insurers and insurance reference bureaus;
• people who are involved in a claim or assist us in assessing, investigating, processing or settling claims, including another party involved in the claim or third parties claiming under your policy, witnesses, medical service providers or other professional experts, external claims data collectors and verifiers, and your employer;
• third parties who may be arranging insurance cover for a group that you are a part of;
• statutory authorities or government departments: for example, law enforcement, dispute resolution bodies or the Australian Financial Complaints Authority;
• publicly available sources such as the Internet and telephone directories; and/or
• the general public when it is unsolicited and may be relevant to a particular policy or fraud investigation.

Unless we are required or permitted by law to collect sensitive information about you, we will only do so by obtaining your consent.

If you nominate individuals to be covered by your insurance policy, you should direct them to this Privacy Policy and make them aware of the content of any privacy notice we provide you.

If you start an online quote or application form and you cancel prior to submitting the online quote or application, the information you have entered up to that point will be automatically deleted.

For what purposes do we collect, hold, and use your personal information?

We collect, hold, and use your personal information to provide our products and services, and manage our business. This may include:

• to deal with enquiries;
• to provide a product or service, including:
  • providing you with a quote;
  • considering your application;
  • arranging, verifying, and administering insurance;
• assessing risks and underwriting insurance;
• issuing, renewing, or amending a policy;
• pricing a policy, offering excesses, and discounts;
  • assessing, investigating, processing and settling claims, including managing workers’ compensation return to work programs;
  • communicating details about our products and services or marketing our services and products and those of our related companies, brokers, intermediaries, and business partners that may interest you;
  • conducting customer research and analytics in relation to our service and products, improving our service and products, auditing, and quality assurance;
• handling complaints and disputes;
• training our employees;
• monitoring for quality assurance purposes and security issues;
• detecting, investigating, and preventing fraud;
• complying with laws;
• identifying and contacting individuals who do business with us;
• other purposes communicated to you at the time we collected your personal information or as required or permitted by law.

Who do we disclose your personal information to and why?

We may disclose your personal information to others for the purposes specified in the section above. This may include disclosure to:

• our related companies including, overseas subsidiaries of our ultimate holding company, Allianz SE, which provide certain services to us;
• our distributors and agents;
• other insurers and reinsurers;
• credit reporting agencies and insurance reference bureaus;
• government, law enforcement, dispute resolution, statutory, regulatory or enforcement bodies and agencies;
• external data collection and verification agencies;
• loss adjusters and assessors;
• repairers and suppliers;
• investigators and recovery agents;
• medical and health service providers, case managers and rehabilitation consultants;
• our advisers (including legal, actuary and accounting advisers) and service providers, including data analytics, marketing organisations and debt collecting agents;
• your employer;
• parties that we have an insurance scheme in place with under which you purchased your policy, such as a financier or motor vehicle manufacturer or dealer;
• the agent and contractor of any of the third parties above;
• your co-insured to confirm full disclosure has been made to us; and/or
• other parties as required by law.

We will not disclose your sensitive information for any purpose, other than the purpose for which it was collected, or a directly related secondary purpose, unless you otherwise consent.

Certain laws also authorise or require us to collect, use and disclose your personal information. These laws include: Anti-Money Laundering and Counter-Terrorism Financing Act 2006, Autonomous Sanctions Act 2011, Corporations Act 2001, Australian Securities and Investments Commission Act 2001, Personal Property Securities Act 2009, Income Tax Assessment Act 1997, and A New Tax System (Goods and Services Act) 1999.

Disclosure to overseas recipients

In some instances, your personal information may be disclosed to and stored by companies in the Allianz Group, business partners, reinsurers, and service providers (including providers of our virtual online assistant and any online chat function) that may be located overseas. The countries in which these recipients may be located will vary from time to time, but includes Canada, Germany, France, New Zealand, United Kingdom, United States of America, Singapore, and India.

When personal information is shared overseas, there is a possibility whoever receives the information may be required to disclose it under a foreign law.

We regularly review the security of the systems that we use for sending personal information overseas. Any information disclosed may only be used for the purposes of collection as detailed previously and for system administration.

How do we hold your personal information?

We may hold your personal information in a number of ways, including:

• in our secure computer systems or databases, which may involve storing data on storage or computer systems provided by third party suppliers;
• in paper records; and/or
• in telephone recordings (used for training and verification purposes).

Where it has been collected from our or your agent, or our service providers, they may also hold copies of your personal information.

We may combine personal information we receive about you with other information we hold about you. This includes information received from third parties and information collected for different products and services.

Protecting your information

Protecting the personal information we collect is important to us and we take a number of steps to maintain this protection including:

• operating secure buildings and systems;
• working with trusted service providers;
• training our staff on keeping personal information secure; and
• keeping personal information only for as long as we require for our business needs or required by law.

Access to and correction of your personal information

AM&T aims to ensure that your personal information is accurate, up to date, complete, and relevant. If you would like to access, or revise, your personal information, or feel that the information we currently have on record is incorrect or incomplete, contact AM&T via Contact us. On 1300 386 299 or by email at: [email protected].

Making a complaint

If you believe that we have not met our privacy obligations in our handling of your personal information, please  at the email address above.

If you are unhappy with the resolution of your complaint or with the way that AM&T has handled your complaint, you may refer the matter to the Office of the Australian Information Commissioner.

Changes to this Privacy Policy

We may make changes to this Privacy Policy from time to time for any reason. We will publish changes to our Privacy Policy on this page.

* AM&T is a wholly owned subsidiary of Allianz Australia Insurance Limited that is part of the Allianz Australia Group.