Privacy Policy

Contact Information

This website is operated by:

Skadesgarantifonden
Philip Heymans Allé 1
2900 Hellerup
Denmark
CVR No.: 33 60 40 84
Telephone: +45 41 91 91 91
E-mail: info@skadesgarantifonden.dk

If you have any questions about the Privacy Policy of the Danish Guarantee Fund for Non-life Insurance Companies, please feel free to contact us at the above address or by email at info@skadesgarantifonden.dk

Personal Data Policy – How We Process Your Personal Data

Improving the User Experience

When you use our website, we automatically collect information about the type of browser you use, the search terms you enter on the website, your IP address, including your approximate network location, and information about your computer, tablet or phone. We do this to improve the user experience on our website and to compile visitor statistics. This information is collected through cookies, to which you give your consent during your first visit to the website.

We share your IP address with our partners, including Google Analytics and Siteimprove, which provide statistics on the use of our website.

Handling Claims Notified in Connection with the Winding-Up of Insolvent Insurance Companies

We process personal data about you if you have an ongoing case or have submitted a claim in connection with the winding-up of an insolvent insurance company whose liabilities fall within the coverage of the Danish Guarantee Fund for Non-life Insurance Companies. The Fund also processes information about you if you reported a claim before the bankruptcy order was issued and the claim is to be covered by the Fund.

The Danish Guarantee Fund for Non-life Insurance Companies processes your personal data on the basis of Article 6(1)(c) of the General Data Protection Regulation (GDPR) in respect of ordinary and confidential personal data, as the processing is necessary to comply with a legal obligation.

Your Danish civil registration number (CPR number) is processed pursuant to Section 11(2)(4) of the Danish Data Protection Act, cf. Section 7(1) of the Danish Data Protection Act and Article 9(2)(f) of the GDPR.

If you submit sensitive personal data, such data will be processed pursuant to Article 6(1)(c) and Article 9(2)(f) of the GDPR, cf. Section 7 of the Danish Data Protection Act.

In connection with handling claims notified during the winding-up of insolvent insurance companies, the Fund will process information about you, such as your name, address, email address, CPR number, telephone number, education and general insurance information included in the claims handling process for consumer insurance policies. In cases involving reported personal injuries under consumer insurance policies, we may also process health information about you.

The Fund transfers your personal data to Topdanmark Forsikring A/S and Caplin, which have been entrusted with processing the insurance claims covered by and reported to the Fund.

In certain cases, your personal data may be disclosed to persons associated with insurance policies, advisers, credit institutions, business partners, public administrative authorities (including the Danish Tax Agency (SKAT), municipalities and the Danish Financial Supervisory Authority), the courts, the police and Betalingsservice. Such disclosure will only take place where it complies with the provisions of the GDPR.

Your personal data will be retained for as long as necessary to process your case and will be deleted no later than 10 years after your case has been closed, in accordance with the applicable rules under the Danish Bookkeeping Act and the Danish Limitation Act.

Your Rights

Under the GDPR, you have a number of rights regarding the processing of your personal data.

Right to Information and Access

You have the right at any time to obtain access to the processing of your personal data, cf. Article 15 of the GDPR.

Right to Rectification

You have the right to have your personal data rectified, cf. Article 16 of the GDPR.

Right to Erasure

In certain circumstances, you have the right to have your personal data erased before the time at which we would ordinarily delete it, cf. Article 17 of the GDPR.

Right to Restriction of Processing

In certain circumstances, you have the right to restrict the processing of your personal data, cf. Article 18 of the GDPR.

Right to Object

In certain circumstances, you have the right to object to our otherwise lawful processing of your personal data, cf. Articles 21 and 22 of the GDPR.

Right to Lodge a Complaint

You may contact Insurance & Pension Denmark (Forsikring & Pension) at any time to lodge a complaint regarding the processing of personal data.

You also have the right to lodge a complaint with the Danish Data Protection Agency if you are dissatisfied with the way we process your personal data. You can find the Danish Data Protection Agency’s contact details at www.datatilsynet.dk.