Privacy policy

1. Our commitment

Markel Insurance SE Sucursal en España (hereinafter referred to as “Markel”) is committed to protecting information which identifies and relates to you or other individuals (personal information) and complying with data protection laws.

Please read this Privacy Policy carefully.

If you wish to comment on the content of this Privacy Policy or other privacy-related issues, please contact the Data Protection Officer at: markel@delegado-datos.com.

The persons to whom this Privacy Policy applies are: website users, policyholders, customers, clients, suppliers, consultants, service providers, surveyors, whistleblowers, job applicants, beneficiaries or claimants, as well as their representatives and family members (“you”).

2. Who we are

Data controller: MARKEL INSURANCE SE SUCURSAL EN ESPAÑA (W2764898I)
Address: Plaza Pablo Ruiz Picasso, nº 1, 35th floor (Edificio Torre Picasso), 28020, Madrid.
Telephone: 900 800 933
E-mail: Markel.Espana@markel.com
Data Protection Officer: Lant Abogados (Lant Advisors, S.L.P.U.)
markel@delegado-datos.com

3. How the insurance market works

Insurance is the pooling and spreading of risks in order to provide protection against a possible eventuality. In order to do this, information, including your personal data, needs to be shared between different insurance market participants.

This Privacy Policy is designed to help you understand how we, as an insurance market participant, collect and process your personal data.

4. Necessity of the processing of your personal data

The provision of personal data requires a minimum age of 14 years or, where applicable, sufficient legal capacity to enter into a contract.

The personal data requested are necessary to manage your requests and/or provide you with the services you may contract, and therefore, if you do not provide them, we will not be able to attend you correctly or provide you with the service you have requested.

5. Information we may collect about you

We may receive personal data about you by the following methods:

  • When you fill in, upload or submit forms to us;
  • When you contact us via our website, social media, webchat, telephone, email, post or otherwise;
  • Through your family members, employer or representative;
  • Attending our events;
  • Contacting us to manage your product or service;
  • Contacting us through one of our partner websites;
  • By third parties such as other insurance market participants, credit reference agencies, lawyers, witnesses, experts, employers, organizations whom we insure or reinsure, or a third party claimant;
  • By obtaining available information from publicly available sources, including social media websites; or
  • Contacting us for any other reason.

We may collect and process the following personal data concerning you:

  • Information including your name, address, contact details;
  • For insurance products, this includes details relating to a proposal or a claim (which, depending on the nature of the claim could include credit history/score, medical reports and reports of criminal convictions or crime) or provided to us in relation to the administration of an insurance policy that we insure or reinsure;
  • For selection and recruitment purposes, this includes information provided by you or your recruitment agency in relation to your candidacy (e.g. your CV, application form), as well as references.
  • Details of your visits to our website and information collected through cookies and other tracking technologies, including your IP address and domain name, your browser version and operating system, traffic-related data, location data, blogs and other communication data, and the resources that you access; (on most occasions, our websites anonymise IP addresses);
  • Photo and video footage; and
  • Details of transactions you carry out through our website, including the quotations obtained for insurance services and insurance policies; and information that is available from publicly available sources, including social media websites.

We may collect and process the following special categories of personal data concerning you:

  • Health and medical data, such as information on disabilities or dietary needs.

6. Purposes of the processing of your personal data

Processing derived from the collection of data through the website:

  • CONTACT FORM / GET YOUR INSURANCE / FIND OUT MORE.

Purpose: To provide a means for you to contact us and answer your requests for information, as well as to send you communications about our products, services and activities, including by electronic means, if you tick the consent box.

  • INSURANCE APPLICATION QUESTIONNAIRES.

Purpose: To fill in the data requested in the different questionnaires depending on the insurance policy you want to contract, to assess the risk of the cover requested, to evaluate the economic value of the cover requested and to process the contract.

  • INTERNAL INFORMATION SYSTEM.

Purpose: To process and manage reports on infringements submitted through our ethics channel link accessible on this website.

  • SENDING E-MAILS.

Purpose: To answer your requests for information, deal with your requests and answer your queries or doubts.

Treatments derived from the activity carried out by Markel:

  • POLICY QUOTE MANAGEMENT.

Purpose: Analysis of the insurance policy requested, economic assessment of the coverage requested, follow-up and contact with the interested party for the purpose of contracting the insurance offered.

  • INSURANCE CONTRACTING.

Purpose: To evaluate the risk of the coverage requested, to economically assess the coverage requested, to quote, to process the development, compliance and control of the insurance policy contracted. Maintaining correspondence with policyholders and beneficiaries of the insurance, including dealing with underwriting and claims. To collect policies fees and, when necessary, to execute such collection by hiring debt recovery companies or taking legal action.

  • CLAIMS MANAGEMENT.

Purpose: Assessment, management and processing of declared claims. Defense and filing of lawsuits in defense of the interests of our policyholders and Markel. Prevention of fraud in relation to the policies contracted.

  • INTERNAL INFORMATION SYSTEM.

Purpose: To process and manage reports on infringements submitted by e-mail, post, telephone or in person.

  • MARKETING.

Purpose: Sending information and communications about our products, services and activities by any postal or electronic means. Offering insurance policies to potential interested parties.

  • CONTACTS OF LEGAL PERSONS.

Purpose: To maintain relations of any kind with the legal entity through its contact persons.

  • CANDIDATES.

Purpose: To have your CV available to participate in our personnel selection processes, both those received spontaneously through the different channels available at Markel, and those received in response to job offers published by Markel on employment portals or other social networks. To assess your skills, qualifications and suitability for a job and to check your experience and references, in relation to the recruitment process in question.

7. Lawfulness of processing your personal data

Processing derived from the collection of data through the website:

  • CONTACT FORM / GET YOUR INSURANCE / FIND OUT MORE.

Legitimation: Consent of the user when requesting information through our contact form and ticking the box to accept receiving information.

  • INSURANCE APPLICATION QUESTIONNAIRES.

Legitimation: Processing necessary for the performance of an insurance contract or in order to take steps at the request of the data subject prior to entering into a contract.

  • INTERNAL INFORMATION SYSTEM.

Legitimation: Processing necessary for compliance with a legal obligation (Law 2/2023 of 20 February, regulating the protection of persons who report regulatory infringements and the fight against corruption).

  • SENDING E-MAILS.

Legitimation: Consent of the user when requesting information by e-mail.

Treatments derived from the activity carried out by Markel:

  • POLICY QUOTE MANAGEMENT.

Legitimation: Consent of the user when requesting information for the contracting of insurance policies.

  • INSURANCE CONTRACTING.

Legitimation: Processing necessary for the performance of an insurance contract; fulfilment of legal obligations.

  • CLAIMS MANAGEMENT.

Legitimation: Processing necessary for the performance of an insurance contract; compliance with legal obligations; legitimate interest for the prevention of fraud.

  • INTERNAL INFORMATION SYSTEM.

Legitimation: Processing necessary for compliance with a legal obligation (Law 2/2023 of 20 February, regulating the protection of persons who report regulatory infringements and the fight against corruption).

  • MARKETING.

Legitimation: Consent of the user to receive commercial information; legitimate interest in keeping our policyholders informed of our products, services and activities related to the contracted service.

  • CONTACTS OF LEGAL PERSONS.

Legitimation: Legitimate interest to process contact data and data relating to the function or position held by natural persons providing services in a legal person for their professional localization and to maintain relations of any kind with the legal person in which the person concerned works.

  • CANDIDATES.

Legitimacy: Take steps at the request of the data subject when applying for a job offer published by Markel; consent of the candidate to keep his/her CV for future recruitment processes.

8. Retention of your personal data

We will retain your personal data for as long as reasonably necessary for the purposes set out above. This could mean that we will hold your personal data for as long as, for instance, there is a possibility that it may be needed in connection with a claim under an insurance policy, or where we are required to keep it to comply with tax, accounting, regulatory or judicial requirements.

In exceptional circumstances, we may retain your personal data for longer periods of time if we reasonably believe that there is a prospect of litigation, in the event of any complaints or there is another valid business reason the data will be needed for a longer period. We maintain a data retention policy which we apply to all data in our possession. When we no longer need your personal data we will ensure it is securely deleted.

Processing derived from the collection of data through the website:

  • CONTACT FORM / GET YOUR INSURANCE / FIND OUT MORE.

Retention: Until your request has been resolved by means of our form or answered by e-mail, if it has not generated a new treatment. If you have accepted to receive commercial mailings, until you request to unsubscribe from them.

  • INSURANCE APPLICATION QUESTIONNAIRES.

Retention: During the study and analysis of the requested policy and, legally foreseen periods to respond to possible liabilities.

  • INTERNAL INFORMATION SYSTEM.

Retention: During the processing of the report and, once it has been finalized, during the legally established periods in order to attend to possible liabilities.

  • SENDING E-MAILS.

Retention: Until your request has been resolved, if it has not generated a new treatment. If you have accepted to receive commercial mailings, until you request to unsubscribe from them.

Treatments derived from the activity carried out by Markel:

  • POLICY QUOTE MANAGEMENT.

Retention: Until acceptance or not of the proposal and, if applicable, request to unsubscribe from commercial information.

  • INSURANCE CONTRACTING.

Retention: During the term of the policy and, once this has ended, during the periods required by law to meet liabilities.

  • CLAIMS MANAGEMENT.

Retention: Until the completion of claims procedures and, once these have been completed, during the periods required by law to meet liabilities.

  • INTERNAL INFORMATION SYSTEM.

Retention: During the processing of the report and, once it has been finalized, during the legally established periods in order to attend to possible liabilities.

  • MARKETING.

Retention: Until you request the cancellation of your personal information; the contractual relationship with Markel ends; legally required periods to meet responsibilities.

  • CONTACTS OF LEGAL PERSONS.

Retention: No time limit is defined, as long as the contact remains part of the legal entity.

  • CANDIDATES.

Retention: Until the end of the recruitment process; 1 year from receipt of the CV if you have consented to its retention; legally required time limits to meet liabilities.

9. Recipients of your personal data

Your personal data are confidential and, as a general rule, will not be passed on to third parties, except where there is a legal obligation to do so and where this is necessary for the purposes for which they are processed.

We may allow certain third parties and intermediaries, including suppliers, service providers, reinsurers and financial organizations, to access your data. Such exchanges will be in accordance with applicable laws.

We, and other organizations, may also access and use this information to prevent fraud and other crimes, for example, when deciding to make a payment to you under an insurance or reinsurance policy. We, and other organizations, may access and use information recorded by anti-fraud agencies.

We may disclose your personal data to third parties, courts and/or regulatory bodies or law enforcement agencies in connection with enquiries, proceedings or investigations conducted by such parties anywhere in the world or to enable Markel to comply with their regulatory requirements or to engage in dialogue with their regulators, if necessary.

10. Transmission, storage and security of your personal data

In order to safeguard the security of your personal data, we inform you that we have adopted all the necessary technical and organizational measures to guarantee the security of the personal data provided against alteration, loss, and unauthorized processing or access.

  • Where Markel discloses your personal data to a third party, we will require that third party to implement appropriate technical and organizational measures to protect your personal data.
  • Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website or any other portal that we operate, you are responsible for keeping this password confidential and for complying with any security procedures that we notify you of. Please do not share a password with anyone else.

11. Your rights

Any person may withdraw their consent at any time, when it has been granted for the processing of their data. In no case does the withdrawal of this consent condition the execution of the policy or the relations previously generated.

You may also exercise the following rights:

  • Access to or rectification of your personal data if it is inaccurate.
  • Deletion of personal data when, among other reasons, they are no longer necessary for the purposes for which they were collected.
  • Restriction of processing in certain circumstances.
  • Opposition to the processing of your data on grounds relating to your particular situation.
  • Data portability in the cases provided for in legal regulations.
  • Other rights recognized in the applicable regulations.

Where and how to request your Rights: By writing to the data controller at its postal or e-mail address or to the Data Protection Officer (the contact details are indicated in the “About Us” section), indicating the reference “Personal Data”, specifying the right you wish to exercise and in respect of which personal data.

In case of disagreement with Markel regarding the processing of your data, you can lodge a complaint with the Data Protection Authority (www.aepd.es).

12. Cookies

This website uses its own and third-party technical, personalization, analysis and advertising cookies that process connection and/or device data, as well as browsing habits for statistical and advertising purposes.

Therefore, when accessing our website, in compliance with article 22 of the Information Society Services Act, when processing the aforementioned cookies, we have requested your consent to their use and provided information about them.

You can find more information in our cookie policy.

13. Contact us at

We have a Data Protection Officer who oversees our processing of personal data. You can contact our Data Protection Officer for privacy-related matters by email at markel@delegado-datos.com.

14. Updating your personal data

In order for us to keep your personal data up to date, it is important that you inform us whenever there has been a change in your personal data, otherwise we cannot be held responsible for the accuracy of the data.

We are not responsible for the privacy policy regarding personal data that you may provide to third parties through links available on our website.

This Privacy Policy may be modified in order to adapt it to any changes that may occur on our website, as well as any legislative or jurisprudential modifications on personal data that may appear, which is why it must be read every time you provide us with your data through this website.

15. Changes to our Privacy Policy

We may change the content of our website or services. In the event of substantial changes we will notify you in advance. However, we recommend that you check our Privacy Policy from time to time so that you are aware of how we use personal data.

Last update: 31/10/2023