We might share your personal information with two types of organisations – companies inside the AXA Group, and other third parties outside the Group. For further details of the types of company we share data with and the types of disclosures, please see below. We will not share any of your personal information other than for the purposes described in this Privacy Policy.  

Disclosures within our Group

In order to provide our services, your personal information is shared with other companies in the AXA Group. Your personal information might be shared for our general business administration, efficiency, and accuracy purposes, or for the prevention and detection of fraud, and when we make changes to our Group company structure.    

Your personal data may be processed by a number of AXA Partners entities in the administration of customer service, sales, claims and assistance services, including but not limited to entities in France, Spain, Mexico, Ireland, the Nordics, and the Czech Republic. 

We also use a number of AXA entities to provide shared operational, IT and infrastructure related services to us, both from within the AXA Partners group of companies and the wider AXA Group. One such service is sanctions screening alert handling, which is conducted by AXA Global Business Solutions located in India. 

Where personal data is shared with or accessed by an AXA entity outside the UK and EEA, they are a member of the AXA Binding Corporate Rules (see AXA's Data Privacy Declarations section below) and together we ensure that there are sufficient measures in place to provide a similar level of protection. 

Disclosures to third parties outside our Group 

We also disclose your information to the types of third parties listed below for the purposes described in this Privacy Policy. This might include: 

  • Your relatives, guardians, or someone else acting on your behalf where you are incapacitated or unable, or other people or organisations associated with you such as your insurance broker or your lawyer 
  • Where you have named an alternative contact (such as a relative) to speak with us on your behalf. Once you have told us your alternative contact, this person will be able to discuss all aspects of your policy (including claims and cancellation) with us and make changes on your behalf 
  • Providers of assistance services both within the UK and internationally. Below are some examples relevant to each product type: 

Motor Breakdown 

  • Car/van repairs and towing 
  • Rent a car 
  • Mis-fuelling engineers 
  • Locks and keys operators 
  • Taxi companies 

Home Emergency 

  • Plumbers 
  • Electricians 
  • Heating engineers 
  • Home security providers 
  • Pest control providers 
  • Drainage engineers 
  • Roofing repairers 

Travel Insurance 

  • Hospitals 
  • Medical centres 
  • Medical house call companies 
  • Medical repatriation companies (Dr and nurse escorts) 
  • Laboratories  
  • Road ambulance companies 
  • Air ambulance companies 
  • Travel agents 
  • Taxis 
  • Hotels 
  • Correspondents 
  • Translators, interpreters 
  • Car rental 
  • Funeral directors 
  • Our insurance partners such as brokers, other insurers, and reinsurers 
  • Other companies who act as insurance distributors, including air travel providers and banks 

Service providers and suppliers, including but not limited to: 

  • Payment providers, like Worldpay, Bottomline or Western Union 
  • Banking providers 
  • IT support and system/platform providers, like Capgemini, David Oliver Associates, Salesforce, and Sage 
  • IT infrastructure and cloud providers, like Microsoft, Iron Mountain, Amazon Web Services, and Google 
  • IT suppliers that provide specific technology to support claims handling processes, including online claims reporting, assistance request logging, tracking live locations, search resources, fraud detection 
  • Communication service providers, including SMS 
  • Customer feedback and survey providers, like Qualtrics, Trustpilot, and Survey Monkey 
  • Facilities and building related services, like CBRE 
  • Third party administrators and claims handlers used by us to provide certain products and services 

We may share the personal information of any persons named on the policy with third parties to obtain information which may be used by AXA to inform its risk selection, pricing, and underwriting decisions, including: 

  • Fraud detection agencies and other third parties who operate and maintain fraud detection registers and/or assist with identification checks (e.g. electoral register) 
  • The police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime 
  • Regulatory bodies and legal authorities such as the Financial Conduct Authority, the Prudential Risk Authority, the Financial Ombudsman Service, National Crime Agency and the Information Commissioner’s Office 
  • Government authorities 
  • Auditors and professional services companies 
  • Debt collection agencies 
  • Other insurers to obtain a claim contribution where there is another insurance covering the same loss, damage, expense, or liability 

Disclosure of your personal information to a third party outside of the AXA Group, with the exception of law enforcement agencies or other bodies exercising their official authority, will only be made where the third party has agreed to keep your information strictly confidential and shall only be used for the specific purpose for which we provide it to them.  

We may also disclose your personal information to other third parties where: 

  • We are required or permitted to do so by law or by regulatory bodies such as where there is a court order, statutory obligation or regulator request; 
  • In connection with any legal proceedings (including prospective proceedings); 
  • In order to establish or defend our legal rights 
  • We believe that such disclosure is necessary to assist in the prevention or detection of any criminal action (including fraud) or is otherwise in the overriding public interest;  
  • In connection with the sale, transfer or disposal of our business or any part of our business; or 
  • Exemptions under the data protection legislation allow us to do so

Some of the recipients and technical solutions set out above may be in countries outside the United Kingdom and EEA. Where we make a transfer of your personal information outside the United Kingdom and EEA, in all cases where personal data is transferred to a country which is deemed not to have the same standards of protection for personal data as the UK or EU, AXA will ensure appropriate safeguards such as regulator approved Standard Contractual Clauses or International Data Transfer Agreements and further contractual, organisational and technical measures (as may be required following an assessment of the risk) have been implemented to ensure that your personal information is adequately protected.