Policy last updated: February 9, 2015
Esurance values its relationship with you. Protecting the privacy of your information is of the greatest importance to us.
This Policy describes our personal information handling practices. In this Policy, "personal information" means information about you as an identifiable individual.
Esurance may modify this policy from time to time. The current policy is always available at www.esurance.ca.
We are regulated by federal and provincial laws protecting the confidentiality and security of your information, as well as our use and disclosure of it.
- Whether you are a current, former, or potential customer, Esurance treats your personal information with the same high level of confidentiality and security.
- We never sell your personal information.
- We only share your personal information as necessary to provide the insurance products and services you have requested or to contact you about Esurance's products and services.
- We do not share information with third parties for marketing purposes unless we have your prior permission to do so. This is our pledge to you.
Our use and disclosure of information
At Esurance, we gather information about you that may be used to process and service your application and/or insurance policy, settle your claims, offer you additional products and services that we think may be of interest to you, for research and analytics purposes, and as permitted or directed by you. We collect personal information from you directly, through transactions and communications with you, and through services performed for you. We may also obtain personal information from third parties, such as consumer reporting agencies, with your consent or from other third parties who you have consented to providing information to us. The form of consent may vary depending on the circumstances and the type of information being sought. In limited cases, we may obtain personal information about you without your consent if we are permitted to do so by law.
Information we collect from you
This includes information you provide us when you apply for our products or request services, either on the internet, by phone, or by other means. It may include information such as your name, address, residence information, telephone number, email address, vehicle information, drivers license number, driving history, current or former insurance information, social insurance number, gender, educational background, date of birth, marital status and Esurance web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails.
Information we collect from third parties
This includes information we collect from insurance support organizations, such as consumer reporting agencies and other third parties. It includes information such as motor vehicle reports, consumer credit information, demographic information, insurance histories, and claims reports. Information obtained from insurance support organizations may be retained by such organizations and disclosed to other persons as permitted by law.
Information about your transactions
This includes information about your transactions with us and others, including our affiliates. It includes information such as your policy coverage levels, account balances, claims history, and billing information.
Information we disclose
The above-described types of personal and other types of information about our current, former, or potential customers may be disclosed, but only as permitted or required by law, or as permitted or directed by the customer or consumer.
We may disclose such information to affiliated and unaffiliated insurance companies, insurance agents, reinsurance companies, and insurance support organizations, such as consumer reporting agencies, government entities, and claims administrators. We may also disclose information to unaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose information as necessary to affect, administer, or enforce a transaction that you request or authorize.
The following are examples of situations in which we may disclose information:
- Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of Esurance products and services, processing of applications, and servicing of policies or claims.
- We provide your policy information to adjusters and other appropriate business entities that make any necessary repairs to your vehicle when you are involved in a claim.
- We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
- We may supply information as required by search warrant, subpoena, or legal process when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
- If we collect your information as an agent for one of our business partners, we may use it to contact you or make you an offer regarding auto insurance that may be of interest to you.
- We may disclose your information to third parties to confirm insurance, settle claims and resolve disputes, and enforce our legal rights
Any entity that we may share your information with is required to keep the information confidential and use it only for the purposes for which it was shared, except as otherwise required or permitted by law.
Withdrawal of consent and retention of information
We retain personal information for as long as is necessary to fulfill the purposes for which we collected the information, or as may be appropriate in light of applicable laws, regulations, or government orders. However, you may withdraw your consent to certain uses of your personal information (for example, see the "Esurance communications" and "Website cookies and other digital markers" sections below). If you withdraw your consent, we may still retain your personal information, as applicable, for at least as long as we have a business relationship with you, there are any outstanding claims or possible claims, and/or in keeping with our record retention schedule and legal obligations. When we dispose of personal information, we use reasonable procedures designed to prevent unauthorized persons from gaining access to such information during or after the destruction process.
As an Esurance policyholder, you may be contacted by Esurance regarding your policy and our products and services, such as billing notices, confirmations of changes, changes to our products, and other Esurance-specific communications. You may not unsubscribe from Esurance-specific communications that relate to your primary usage of our service and products and you agree to receive these if you make a purchase.
From time to time, Esurance may contact you about third-party promotions. In addition, prior to purchasing a policy or after cancelling your policy, Esurance may contact you to confirm your quote or invite you to come back and get a new quote or purchase a policy. You will have the ability to unsubscribe from whichever type of communication you received.
Website cookies and other digital markers
Esurance collects information about website visits. This includes information such as how you linked to our website, your Internet protocol (IP) address, your browser type, and your time of visit. Esurance may use third-party web analytic and advertising services (our "third-party ad servers") such as Atlas and DoubleClick to assist with this collecting and tracking of website visits.
Esurance and its third-party ad servers may use technology that includes digital markers such as pixels in our emails, on our website, and on websites on which we advertise, to support site tracking, measure site performance, and for product marketing.
For example, one of our third-party ad servers may place a cookie on your computer that, in conjunction with pixels stored on our web pages, helps to identify your computer when you return, to personalize aspects of your experience at our site, and to better understand how visitors are using our site, all of which helps us to continually improve your experience on our site.
Confidential and secure environment
Esurance is strongly committed to protecting the confidentiality and security of your information against unauthorized access and disclosure. As examples, we use encryption technology to protect your information and only allow those with a "need to know" to ever access it.
Esurance uses encryption technology to protect your information. Our web servers have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to Esurance during a secure session.
All secure pages on our website have been issued a digital certificate by Secure Server Certification Authority. You can view this digital certificate affirming the security of our site by clicking on the image of the closed lock at the bottom of your browser window. A small frame displaying our site's security information will appear. Click on "Certification Path" to verify that you are on the Esurance site. Click on "Issuer Statement" to verify our site's certification authority.
We restrict access to your personal information to our employees, our affiliates' employees, or others who need to know that information to service your account or provide services or functions on our behalf. We maintain strict physical, electronic, and procedural safeguards to protect your personal information.
Esurance may retain the services of or provide its services to you through affiliates and third party service providers who are located outside of Canada. Esurance uses contractual and other means to protect your personal information when it is used or retained by affiliates and third party service providers. Esurance requires affiliates and third party service providers who receive your personal information from us to only use your personal information for the purposes for which it was collected and to provide your personal information with a comparable level of protection. However, your personal information will be subject to the laws of the jurisdictions in which our affiliates and third party service providers are located.
Links to other companies on the Esurance website
Reviewing or correcting your information
All consumers have the right to know the personal information that Esurance has about them and to request changes to that information. To make such an inquiry, please contact Ivantage at 1-855-622-2233
As part of the underwriting process, we obtain information about your insurance and claims history from CGI, and your credit report information from TransUnion, CGI and TransUnion are independent, third-party companies.
You may request a free copy of your consumer report containing information with respect to your insurance and claims history, by going under the "Support" tab on the CGI website and completing a request form. You can also contact the helpdesk at 1-888-430-9906.
To request your free consumer report, mail or fax your completed form to:
CGI Technical Assistance Centre
1350 René-Levesque West, 7th floor
Montreal, PQ, H3G 1T4
You may request a free copy of your Consumer Disclosure from TransUnion by mail, in person or over the phone as specified under the "Personal" and "Credit Report" tabs on the TransUnion Canada website. The TransUnion Consumer Disclosure is a complete account of all the information on your credit report.
To request your free Consumer Disclosure in person, bring the identifying information specified on the TransUnion website to one of TransUnion's provincial consumer offices,
To request your free Consumer Disclosure by phone using TransUnion’s Interactive Voice Response system, dial: 1(800)663-9980 (Prompt 1).
To request your free Consumer Disclosure by mail, download the request form from the TransUnion website and mail it, along with the identifying information specified on the website, to:
TransUnion Consumer Relations Department
P.O. Box 338, LCD1
Hamilton, ON L8L 7W2