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Disclaimer / Legal

The information contained within this website is of a general nature only. All reasonable care in producing this website has been taken, however Herbert Insurance Group Limited accepts no responsibility for any loss, expense or liability which you may incur from using or relying on the information in this website.

Duty of Disclosure

Every insurance contract has an implied condition that you have a duty to disclose to the insurer all facts that the insurer might regard as material in deciding whether to accept an insurance or whether to impose any special terms or conditions on the insurance.

An implied condition need not be stated in the policy but exists at common law. This duty exists at the time of proposing a new insurance and at every renewal of a policy.

Material facts are almost indefinable because each case must be treated on its merits. Following are some of the more common types of situations where you should make disclosure to your insurer:

General : Criminal convictions, bankruptcy, change of insured interest, insurance refusal, declined or cancelled or special conditions, imposed, uninsured losses.

Motor Vehicle Insurance : Convictions for careless and dangerous use of vehicles or driving under the influence of alcohol or drugs, loss of licence, young drivers as principal use of vehicles, modifications to vehicles.  Accidents whether insured or not.

Other Insurances : Changes in the ownership of insured property, in the situation of the risk, in the nature of the occupancy of premises, in the nature of business operations or processes. 

Privacy

This Privacy Statement sets out Herbert Insurance Group Limited's practices relating to the collection and use of personal information in accordance with the Privacy Act 1993.

What information do we collect and how do we use it?

When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks.  We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require, to enable them to decide whether to insure you and on what terms. Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside New Zealand.

When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others.  We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg. loss adjusters, medical brokers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.

We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, eg. renewals, our relationship with you, invoicing, client surveys.

We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information or do not wish to receive it electronically, please email or write to us.

Anonymous data - We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website to better understand our clients and markets and to improve our services.

Cookies - In order to collect this anonymous data we may use "cookies".  Cookies are small pieces of information which are sent to your browser and stored on your computer's hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. Cookies  allow the website to recognise your computer when you return in the future.

We may use your information internally to help us improve our services and help resolve any problems.

What if you don't provide some information to us?

We can only fully advise you if we have all relevant information. The insurance laws also require you to provide your insurers with all the information they need in order to be able to decide whether to insure you and on what terms.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

We hold the information we collect from you either manually or computerised on our premises which  is then locked up securely during outside business hours.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to contractors who supply services to us, eg. to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event.  However, we will do our best to ensure that they protect your information in the same way that we do.

We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

How can you check, update or change the information we are holding?

Upon receipt of your written/email request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information please write/email to:

 

Herbert Insurance Group Limited
Level 4, 1 Queen Street
Auckland 
New Zealand

or

PO Box 4040, Auckland 
New Zealand

There are no costs incurred by you for receiving a request for access to personal information or for complying with a correction request.

 

 

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