LAST UPDATED ON 22/07/2020


This Master Privacy Policy (“Privacy Policy”) relates to the website and/or any sub-website and/or associated domains (and/or sub-domains) of (hereinafter referred to as the “Site”) the services provided by Insurem Insurance Limited (C 91883), the owner of the Site, (“We“, “Us“, “Our“, “Ourselves” and/or “Insurem) and any related software applications (‘Apps’), where Personal Data is processed by the same (via the Site, any of Our Apps, Our insurance intermediaries or otherwise) relating to You.

In this Master Privacy Policy, “You” and “Your” and “User” refer to an identified or identifiable natural person being the User of the Site and/or client (or prospective client) of any of Our services. Our full details, including contact details, can be read below.

You may be reading this Privacy Policy as a User or visitor of the Site or You may have been directed here by one (or more) of Our condensed privacy policies or Our other notices (digital or otherwise) which may have been provided to You by one or more of Our insurance intermediaries acting as a joint controller
together with Us.

Although this Privacy Policy provides detailed, layered information on how and why We generally process Personal Data (via the Site, any of Our Apps, or otherwise) as well as detailed information about Your various rights, the specific and tailor-made content of such condensed policies or other notices will, in most cases, provide You with more focused and detailed information on specific processing operations (for example, the specific legal basis for processing certain categories of Personal Data and the specific purpose for doing so depending on the matter at hand).

Although Our goal is to always be as clear and transparent as possible, We appreciate that legal documents can sometimes be difficult to read. However, We strongly encourage You to read this Privacy Policy (which is layered for Your convenience) with care.

Please do not hold back from contacting Us for any clarification You may need. For example, if You need clarification on a specific legal basis We are relying on to process Your Personal Data for a specific processing operation, We would be happy to provide You with any such information You may need.



As an entity established in Malta, EU, the main privacy laws that are applicable to Us in so far as You are concerned, are as follows:

  • The Maltese Data Protection Act (Chapter 586 of the Laws of Malta) as well as the various subsidiary legislation issued under the same, including but not limited to the Processing of Data Concerning Health for Insurance Purposes Regulations (Subsidiary Legislation 586.10) – the ‘DPA’;
  • The Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of Personal Data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) – the ‘GDPR’.

All the above, as may be amended from time to time, referred to together as the “Data Protection Laws”


PERSONAL DATA” means any information that identifies You as an individual or that relates to an identifiable individual.

Whenever it is not possible or feasible for Us to make use of anonymous and/or anonymised data (in a manner that does not identify any Users of the Site or client of Our services), We are nevertheless committed to protecting Your privacy and the security of Your Personal Data at all times.

We collect Personal Data in various ways both digitally (either when You choose to provide Us with certain data or in some cases, automatically or from third parties) as well as non-digitally (for example when You fill in a physical form to benefit from one or more of Our services). In many cases We will receive Your Personal Data from third parties, such as Our insurance intermediaries, with whom We regularly carry out Our business, as explained in the next section.



There are various categories of Personal Data that We collect about You, namely:

  • Contact details such as Title, Name, Surname, Email address, Postal address and telephone number
  • Details of all persons included on the policy where they are named on your policy and the relationship to you as policyholder
  • Nationality and/or country of residence
  • Identification information such as your date of birth, national insurance number, passport and driving licence, social security number
  • The relationship of you to other people associated with you in our records, for example, partner, parent, child and the gender you identify as
  • Information relevant to your insurance policy such as details about your pet, employment and income, household, personal assets, previous policies or claims, recent damage, information about your travel activities
  • Information relevant to your claim or your involvement in the matter giving rise to a claim
  • Information about the nature of your business and commercial assets
  • Lifestyle and social circumstances, for example; your interests, such as whether you play a sport, your housing status and number of dependents
    • Medical history and records such as treatments, sick leave and hospital stays
    • Details of your current or former physical and / or mental health
    • Details concerning sexual life


  • Financial information such as bank details, credit card details and information obtained as a result of our credit checks
  • Details of bankruptcies and other financial sanctions
In some cases, (for example, if You are a client [or prospective client] of Our services, via the Site, any App or otherwise) We may request additional Personal Data as a means of securely identifying You or for another similar lawful purpose (which will be explained in the table below and/or in a condensed policy/notice that may have directed You here). The additional information We may request from You to be able to provide You with Our services includes:
  • Details of Your next of kin
  • Certain special categories of data (sensitive Personal Data) such as health conditions/status (only where necessary and with the necessary safeguards in place – see section on Health Data below).
Many of the categories of Personal Data above are collected directly from You (for example, Your Contact Details). However, WE MAY ALSO COLLECT PERSONAL DATA FROM OTHER SOURCES, including data companies, regulatory authorities, other insurance service providers, insurance intermediaries, insurance brokers or distributors, third party administrators, publicly accessible databases, joint marketing partners, social media platforms and other third parties. We may also receive Personal Data about You from third parties when We need to confirm Your Contact Details or even certain Financial Information. Should this be the case, We will take all measures as required by law to further inform You about the source of such Personal Data as well as the categories of Personal Data We collect and process. There are certain instances at law where We are specifically forbidden from disclosing to You such activity (for example, when carrying out due diligence for anti-money laundering and for the purpose of combating the financing of terrorism). For a detailed description of the reasons why We process the categories of Personal Data above (and any other specific Personal Data We process) as well as the corresponding legal ground(s) for doing so please see the ‘What We Use Your Personal Data For (Purpose of Processing)’ below. For information/Personal Data that We may collect automatically via the Site, please see the Cookies section below.



We process your Health Data where it is necessary and proportionate for the purposes of an insurance policy which You subscribe to, on the basis of Article 4 of the Processing of Data Concerning Health for Insurance Purposes Regulations (Subsidiary Legislation 586.10). This shall always be the purpose and legal basis for any processing of Health Data mentioned in the table below.



As a general rule, We do not collect any Personal Data, that is, information that identifies You as an individual other than that which You choose to provide to Us or to the entities with whom we jointly process Your Personal Data, such as the data (including Contact Details and Registration Data) You provide when subscribing to one or more of Our insurance policies, be it directly with Us or through an insurance broker or other intermediary,  when contacting Us with enquiries relating to Our services (and/or any products We may offer at any time), when subscribing to any service offered by Us or via Our Site, or even when subscribing to any offers We (and/or Our affiliates and/or corporate partners and/or other insurance providers or intermediaries) may offer from time to time (see Personal Data We Collect About You above).

Unless otherwise specified and subject to various controls, as a general rule, We only collect Personal Data (from You or elsewhere) that We:

  • Need to be able to provide You with the services (and/or any products) You request from Us
  • Are legally required to collect/use and to keep for a predetermined period of time
  • Believe to be necessary for Our legitimate business interests

For a detailed description of the reasons why we process specific categories of personal data as well as the corresponding legal ground(s) for doing so, please see the ‘What We Use Your Personal Data For (Purpose of Processing)’ below.



We act as joint controllers and are jointly responsible for processing Your personal data in our role as risk carriers, together with various other entities with whom we have entered into a joint controllership agreement, such as insurance brokers, insurance intermediaries, claims handlers and third party administrators. We work together with such entities with the same purpose and goal,  namely, to provide You with the services You have subscribed to and to be better able to ensure the high standard of quality You expect of Us. It is very likely that your initial contact point will have been one such entity, with whom We collaborate, and not directly Insurem. It is also likely the case that You have been directed to this Privacy Policy specifically by one of the third parties mentioned above who acts as a joint controller of Your personal data with Us. These third parties should be your primary point of contact if you have any queries relating to the processing of your personal data with respect to the insurance product(s) provided to you by such third parties, though you may still exercise any of your rights, as explained below, with us as well, where applicable.

You should be aware that although one joint controller may be principally responsible for looking after Your personal data (this is generally the controller which originally collected Your personal data) these personal data may be shared with and held by other joint controllers (including Insurem), all of whom are contractually and legally bound to comply with the necessary measures, such as those set out in this Privacy Policy and those set out in the respective joint controllership agreements, to ensure that Your personal data are kept secure.


By providing Us with or allowing Us to access Personal Data relating to individuals other than Yourself, You are letting Us know that You have the authority to send Us that Personal Data or the authority to permit Us to access those data in the manner described in this Privacy Policy.




The following is a description (in a clear and plain manner) of what We use Your Personal Data for and the corresponding legal ground(s) we rely on for doing so.

For more detail on what is meant by terms such as ‘Contact Details’, ‘Registration Data’ and other categories of Personal Data used in the tables below, please see the section above relating to Personal Data We Collect About You.

Please note that WHERE WE RELY ON YOUR CONSENT, THIS CAN BE WITHDRAWN AT WILL (See Special Note on Consent below).



Evaluating Your insurance needs and the nature and level of risk associated with Your request(s) to use/subscribe to any of Our services, for example to determine eligibility, premium(s) and claims
Contact Details Insured Data Financial Information
Contractual Necessity Legitimate Interest (detection and prevention of fraud) With respect to health data, necessity for the purposes of a policy in the business of insurance
Set up and maintain a record on our systems
Contact Details Insured Data Financial Information
Contractual necessity Legitimate interest (to ensure we have an accurate record) With respect to health data, necessity for the purposes of a policy in the business of insurance
To manage our relationship with you including resolving complaints you may have
Contact Details Insured Data Financial Information
Contractual necessity Compliance with our legal obligations
To establish and investigate any suspicious behaviour in order to protect our business from any risk and fraud and to be in line with the law
Contact Details Insured Data Financial Information
Legitimate interest (detection and prevention of fraud) Compliance with the legal obligations
Our due diligence
Contact Details Insured Data Financial Information
Legitimate interest (detection and prevention of fraud)
For research and analytical purposes and to improve our products and services
Contact Details Insured Data Financial Information
Contractual necessity Legitimate interest (core business operations) Compliance with the legal obligations
To process and manage payment transactions including debt recovery of any unpaid premium
Financial Information
Contractual necessity
Comply with legal and regulatory obligations
Contact Details Insured Data
Legal obligation
To carry out corporate acquisitions, mergers, or transactions
Contact Details Insured Data Financial Information
Our legitimate interests (to facilitate corporate acquisitions, mergers, or transactions)
Your being able to participate in an online survey or poll
Contact Details
Your Consent

Should We need to process Your data for a new purpose in the future, which is entirely unrelated to the above, We will inform You of such processing in advance and You may exercise Your applicable rights (as explained below) in relation to such processing.

Finally, do note that without certain Personal Data relating to You, We may not be in the position to provide some or all of the services You expect from Us or even to guarantee the full functionality of Our Site.



For the avoidance of all doubt, We would like to point out that in those limited cases where We cannot or choose not to rely on another legal ground (for example, Our legitimate interests), We will process Your Personal Data on the basis of Your consent. In some cases, We will require Your explicit consent, for example, when, on the basis of Your explicit consent We will process special categories of data concerning You such as Your health data for reasons which are unrelated to Our provision of insurance services to You (see section on Health Data above).

In those cases where We process on the basis of Your consent (which We will never presume but which We shall have obtained in a clear and manifest manner from You), YOU HAVE THE RIGHT TO WITHDRAW YOUR CONSENT AT ANY TIME and this, in the same manner as You shall have provided it to Us.

Should You exercise Your right to withdraw Your consent at any time (by writing to Us at the physical or email address below), We will determine whether at that stage an alternative legal basis exists for processing Your Personal Data (for example, on the basis of a legal obligation to which We are subject) where We would be legally authorised (or even obliged) to process Your Personal Data without needing Your consent and if so, notify You accordingly.

When We ask for such Personal Data, You may always decline, however should You decline to provide Us with necessary data that We require to provide requested services, We may not necessarily be able to provide You with such services (especially if consent is the only legal ground that is available to Us).

Just to clarify, consent is not the only ground that permits Us to process Your Personal Data. In the last preceding section above We pointed out the various grounds that We rely on when processing Your Personal Data for specific purposes.


All reasonable efforts are made to keep any Personal Data We may hold about You up-to-date and as accurate as possible. You can check the information that We hold about You at any time by contacting Us in the manner explained below. If You find any inaccuracies, We will correct them and where required, delete them as necessary. Please see below for a detailed list of Your legal rights in terms of any applicable data protection law.


As a general rule, the data We process about You (collected via the Site, any of our Apps, any insurance intermediaries or otherwise) will be stored and processed within the European Union (EU)/European Economic Area (EEA) or any other non-EEA country deemed by the European Commission to offer an adequate level of protection (the so-called ‘white-listed’ countries listed here:

In some cases, it may be necessary for Us to transfer Your Personal Data to a non-EEA country not considered by the European Commission to offer an adequate level of protection (for example to one or more of Our data processors located there). For example, for the implementation of Your desired transaction it can be necessary that We disclose Your Personal Data to banks outside the EEA.

In such cases, apart from all appropriate safeguards that We implement, in any case, to protect Your Personal Data, We have put in place additional adequate measures. For example, We have ensured that the recipient is bound by the EU Standard Contractual Clauses (the EU Model Clauses) designed to protect Your Personal Data as though it were an intra-EEA transfer. You are entitled to obtain a copy of these measures by contacting Us as explained below.


You will be aware that data sent via the Internet may be transmitted across international borders even where sender and receiver of information are located in the same country. We cannot be held responsible for anything done or omitted to be done by You or any third party in connection with any Personal Data prior to Our receiving it including but not limited to any transfers of Personal Data from You to Us via a country having a lower level of data protection than that in place in the European Union, and this, by any technological means whatsoever (for example, WhatsApp, Skype, Dropbox etc.).

Moreover, We shall accept no responsibility or liability whatsoever for the security of Your data while in transit through the internet unless Our responsibility results explicitly from a law having effect in Malta.



Without prejudice to anything contained in this Privacy Policy and in the interest of full transparency, We reserve the right to disclose (and otherwise process) any relevant Personal Data relating to You which We may be processing (including in certain cases relevant IP addresses) to authorised third parties in or outside the EU/EEA if such disclosures are allowed under the Data Protection Laws (whether or not You have provided Your consent) including but not limited to:

  1. For the purpose of preventing, detecting or suppressing fraud (for example, if You provide false or deceptive information about Yourself or attempt to pose as someone else, We may disclose any information We may have about You in Our possession so as to assist any type of investigation into Your actions);
  2. in the event of Insurem being involved in a merger, sale, restructure, acquisition, joint venture, assignment, transfer;
  3. to protect and defend Our rights (including the right to property), safety, or those of Our affiliates, of Users of Our Site or even Your own;
  4. to protect against abuse, misuse or unauthorised use of Our Site;
  5. for any purpose that may be necessary for the performance of any agreement You may have entered into with Us (including the request for provision of services by third parties) or in order to take steps at Your request prior to entering into a contract;
  6. to comply with any legal obligations such as may arise by way of response to any Court subpoena or order or similar official request for Personal Data; or
  7. as may otherwise be specifically allowed or required by or under any applicable law (for example, under anti-money laundering legislation).


Relevant data will also be disclosed or shared as appropriate (and in all cases in line with the Data Protection Laws) to/with members and staff of Insurem, to/with other entities within the Insurem Group and/or to/with affiliated entities, to/with official authorities and/or (re-)insurance undertakings, insurance intermediaries/brokers, administrators, claims investigators, assessors, surveyors, banks and other sub-contractors established within the European Union if pertinent to any of the purposes listed in this Privacy Policy (including to/with Our services providers who facilitate the functionality of the Site and/or any service You may require). Personal information will only be shared by Us to provide the services You request from Us or for any other lawful reason (including authorised disclosures not requiring Your consent).

Any such authorised disclosures will be done in accordance with the Data Protection laws (for example all Our data processors are contractually bound by the requirements in the said Data Protection Laws, including a strict obligation to keep any information they receive confidential and to ensure that their employees/personnel are also bound by similar obligations). The said service providers (Our processors) are also bound by a number of other obligations (in particular, Article 28 of the GDPR).

Your Personal Data will never be shared with third parties for their marketing purposes (unless You give Your consent thereto).

The third parties who We may disclose to and/or share Your Personal Data with are, at the date of this Privacy Policy, the following:

(Re-)Insurance Undertakings, Insurance Intermediaries, Administrators and other Insurance Organisations
To be able to provide you with the insurance services You request and/or expect of Us
Cloud Service Providers
Hosting of data under state-of-the-art security protocols and our exclusive control
IT Service Providers
Maintenance and support of our IT systems/Website(s) - with restricted access and under our strict controls
Compliance with our auditing obligations – with access granted only to essential personal data
Legal Advisors
Compliance with our legal obligations or when necessary for the establishment, exercise or defence of legal claims
Public Authorities and Regulators (e.g. MFSA, FIAU)
Compliance with legal obligations and only after verifications are made into necessity of disclosure.
Law enforcement agencies (eg. the Malta Police Force)
Compliance with legal obligations


The personal information which We may hold (and/or transfer to any affiliates/partners/subcontractors as the case may be) will be held securely in accordance with Our internal security policy and the law.

We use reasonable efforts to safeguard the confidentiality of any and/or all Personal Data that We may process relating to You and regularly review and enhance Our technical, physical and managerial procedures so as to ensure that Your Personal Data is protected from:
-unauthorised access
-improper use or disclosure
-unauthorised modification
-unlawful destruction or accidental loss.

To this end We have implemented security policies, rules and technical and organisational measures to protect the Personal Data that We may have under Our control. All our members, staff and data processors (including specific subcontractors, including cloud service providers established within the European Union), who may have access to and are associated with the processing of Personal Data, are further obliged (under contract) to respect the confidentiality of Our Users’ or clients’ Personal Data as well as other obligations as imposed by the Data Protection Laws.

Despite all the above, We cannot guarantee that a data transmission or a storage system can ever be 100% secure. For more information about Our security measures please contact Us in the manner described below.

Authorised third parties, and external/third party service providers, with permitted access to Your information (as explained in this Privacy Policy) are specifically required to apply appropriate technical and organisational security measures that may be necessary to safeguard the Personal Data being processed from unauthorised or accidental disclosure, loss or destruction and from any unlawful forms of processing.

As stated above, the said service providers (Our data processors) are also bound by a number of other obligations in line with the Data Protection Laws (particularly, Article 28 of the GDPR).



We will retain Your Personal Data only for as long as is necessary (taking into consideration the purpose for which they were originally obtained). The criteria We use to determine what is ‘necessary’ depends on the particular Personal Data in question and the specific relationship We have with You (including its duration).

Our normal practice is to determine whether there is/are any specific EU and/or Maltese law(s) (for example tax or corporate laws) permitting or even obliging Us to keep certain Personal Data for a certain period of time (in which case We will keep the Personal Data for the maximum period indicated by any such law). For example, any data that can be deemed to be ‘accounting records’ must be kept for ten (10 years).

We would also have to determine whether there are any laws and/or contractual provisions that may be invoked against Us by You and/or third parties and if so, what the prescriptive periods for such actions are (this is usually five (5) years in those cases where Our contractual relationship with You terminates or two (2) years in those cases where no such contractual relationship exists). In this case, We will keep any relevant Personal Data that We may need to defend Ourselves against any claim(s), challenge(s) or other such action(s) by You and/or third parties for such time as is necessary.

Where Your Personal Data are no longer required by Us, We will either securely delete or anonymise the Personal Data in question.


Research and statistics using User or client information is only carried out so that We may understand Our Users’ and/or clients’ needs, to develop and improve Our services/activities and/or for philanthropic goals representative of Insurem’s purpose. In any case, We will always ensure to obtain any consent We may legally require from You beforehand. As in all other cases, We will also ensure to implement all appropriate safeguards as may be necessary.


Links that We provide to third-party websites are clearly marked and We are not in any way whatsoever responsible for (nor can We be deemed to endorse in any way) the content of such websites (including any applicable privacy policies or data processing operations of any kind). We suggest that You should read the privacy policies of any such third-party websites. This includes the websites of any insurance intermediaries We may collaborate with.



When You visit Our Site, We collect certain categories of Personal Data automatically through the use of cookies and similar technologies.

For more detailed information including what cookies are and how and why We process such data in this manner (including the difference between essential and non-essential cookies) please read Our detailed but easy-to-read Cookie Policy.


The Site and Our services are not intended to be used by any persons under the age of eighteen (18) and therefore We will never intentionally collect any Personal Data from such persons unless under a specific legal exemption (if any). If You are under the age of consent, please consult and get Your parent’s or legal guardian’s permission to use the Site and to use Our services.

We shall consider that any Personal Data of persons under the age of eighteen (18) received by Us, shall be sent with the proper authority and that the sender can demonstrate such authority at any time, upon Our request.


We do not rely on any decisions taken solely by automated means (in other words, without significant human intervention) – including any profiling. Should this position change in the future (and only as We may be legally permitted to do), You will be notified accordingly.



Before addressing any request You make with Us, We may first need to verify Your identity. In all cases We will try to act on Your requests as soon as reasonably possible.

As explained in the Retention Periods section above, We may need to keep certain Personal Data for compliance with Our legal retention obligations but also to complete transactions that You requested prior to the change or deletion that You requested.

Your various rights at law include:

Your Right of Access

You may, at any time request Us to confirm whether or not We are processing Personal Data that concerns You and, if We are, You shall have the right to access those Personal Data and to the following information:

  • What Personal Data We have,
  • Why We process them,
  • Who We disclose them to,
  • How long We intend on keeping them for (where possible),
  • Whether We transfer them abroad and the safeguards We take to protect them,
  • What Your rights are,
  • How You can make a complaint,
  • Where We got Your Personal Data from and
  • Whether We have carried out any automated decision-making (including profiling) as well as related information.

Upon request, We shall (without adversely affecting the rights and freedoms of others including Our own) provide You with a copy of the Personal Data undergoing processing within one month of receipt of the request, which period may be extended by two months where necessary, taking into account the complexity and number of the requests. We shall inform You of any such extension within one month of receipt of the request, together with the reasons for the delay.

Your Right to Rectification

You have the right to ask Us to rectify inaccurate Personal Data and to complete incomplete Personal Data concerning You. We may seek to verify the accuracy of the data before rectifying it.

Your Right to Erasure (The Right to be Forgotten)

You have the right to ask Us to delete Your Personal Data and We shall comply without undue delay but only where:

  • The Personal Data are no longer necessary for the purposes for which they were collected; or
  • You have withdrawn Your consent (in those instances where We process on the basis of Your consent) and We have no other legal ground to process Your Personal Data; or
  • You shall have successfully exercised Your right to object (as explained below); or
  • Your Personal Data shall have been processed unlawfully; or
  • There exists a legal obligation to which We are subject; or
  • Special circumstances exist in connection with certain children’s rights.

In any case, We shall not be legally bound to comply with Your erasure request if the processing of Your Personal Data is necessary:

  • for compliance with a legal obligation to which We are subject (including but not limited to Our data retention obligations); or
  • for the establishment, exercise or defence of legal claims.

There are other legal grounds entitling Us to refuse erasure requests although the two instances above are the most likely grounds that may be invoked by Us to deny such requests.

Your Right to Data Restriction

You have the right to ask Us to restrict (that is, store but not further process) Your Personal Data but only where:

  • The accuracy of Your Personal Data is contested (see the right to data rectification above), for a period enabling Us to verify the accuracy of the Personal Data; or
  • The processing is unlawful and You oppose the erasure of Your Personal Data; or
  • We no longer need the Personal Data for the purposes for which they were collected but You need the Personal Data for the establishment, exercise or defence of legal claims; or
  • You exercised Your right to object and verification of Our legitimate grounds to override Your objection is pending.

Following Your request for restriction, except for storing Your Personal Data, We may only process Your Personal Data:

  • Where We have Your consent; or
  • For the establishment, exercise or defence of legal claims; or
  • For the protection of the rights of another natural or legal person; or
  • For reasons of important public interest.
Your Right to Data Portability

You have the right to ask Us to provide Your Personal Data (that You shall have provided to Us) to You in a structured, commonly used, machine-readable format, or (where technically feasible) to have it ‘ported’ directly to another data controller, provided this does not adversely affect the rights and freedoms of others. This right shall only apply where:

  • The processing is based on Your consent or on the performance of a contract with You; and
  • The processing is carried out by automated means.
 Your Right to Withdraw Consent (when We rely on consent)

See Our Special Note on Consent for detailed information on this right (which You may exercise at any time).

Your Right to Object to Certain Processing

In those cases where We only process Your Personal Data when this is 1.) necessary for the performance of a task carried out in the public interest or 2.) when processing is necessary for the purposes of the legitimate interests pursued by Us or by a third party, You shall have the right to object to processing of Your Personal Data by Us. Where an objection is entered, the processing of data shall cease, unless We as data controller provide compelling and legitimate grounds requiring the continuation of the data processing which outweigh the objections You may have raised.

When Your data is processed for direct marketing purposes, You have the right to object at any time to the processing of Your Personal Data, which includes profiling to the extent that it is related to such direct marketing.

For the avoidance of all doubt, when We process Your Personal Data when this is necessary for the performance of a contract, when necessary for compliance with a legal obligation to which We are subject or when processing is necessary to protect Your vital interests or those of another natural person, this general right to object shall not subsist.

Your Right to lodge a Complaint

You also have the right to lodge complaints with the appropriate Data Protection Supervisory Authority. The competent authority in Malta is the Office of the Information and Data Protection Commissioner (OIDPC).

We kindly ask that You please attempt to resolve any issues You may have with Us first (even though, as stated above, You have a right to contact the competent authority at any time).


As one of the security measures We implement, before being in the position to help You exercise Your rights as described above We may need to verify Your identity to ensure that We do not disclose to or share any Personal Data with any unauthorised individuals.


We try to reply to all legitimate requests within one month from receiving them. In some particular cases (for example, if the matter is particularly complex or if You send Us multiple requests), it may take Us longer than a month. In such cases, we will notify You accordingly and keep You updated.


INSUREM INSURANCE LIMITED a company registered in Malta with company registration number C 91883 and whose registered office address is at 71, Tower Road, Sliema, Malta is the data controller responsible for processing Your Personal Data that takes place via the Site or in the manner explained above (or in the condensed privacy policy or notice that directed You here).

If You have any questions/comments about privacy or should You wish to exercise any of Your individual rights, please contact Us at: or by writing to 71, Tower Road, Sliema, Malta (at the address above) by phoning Us using telephone number (+356) 21 342 587 (during normal office hours) or by contacting Our Data Protection Officer.

Insurem’s Data Protection Officer is Chris Cascun who can be contacted directly at


Wereserve the right, at Our complete discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. If You are an existing client with whom We have a contractual relationship You shall be informed by Us of any changes made to this Privacy Policy (as well as other terms and conditions relevant to the Site). We shall also archive and store previous versions of the Privacy Policy for Your review.

As a User of the Site with which We have no contractual relationship or even a lawful way of tracing, it is in Your interest to regularly check for any updates to this Privacy Policy (which are usually deemed to be effective on the date they are published on the Site), in the event that Our attempts to notify You of such updates do not reach You.

Insurem Insurance Ltd (C91883) is regulated by the Malta Financial Services Authority
to carry on business of insurance under the Insurance Business Act (Cap. 403)

All rights reserved Insurem Insurance Limited 2019