Updated 1 October 2016
- Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282 (Adica); and
- Aioi Nissay Dowa Insurance Co., Ltd. ABN 39 096 302 466 (Andia).
About Toyota Insurance
About Adica and Andia
Adica and Andia are members of MS&AD Insurance Group Holdings Inc., which also includes Mitsui Sumitomo Insurance Co., Ltd. MS&AD Insurance Group Holdings Inc. is one of Japan’s largest non-life insurance companies, with a worldwide network providing diversified insurance services through subsidiaries and branches in key cities in Asia, Australia, North America and Europe.
By combining our core expertise with the strength and resonance of the Toyota Group of Companies, we are uniquely placed to provide a niche suite of financial products and services. Adica and Andia are APRA regulated general insurers and Australian Financial Services Licence (AFSL) holders.
Our commitment to the protection of your personal information
You do not have to provide us with your personal information. However, if you do not provide us with the information we request, we may not be able to assist you or provide you with our products or services.
What personal information do we collect?
We collect personal information necessary for us to provide you with the assistance, products and/or services you have requested, or to manage the claims made by you or against you. Such personal information includes your name, address and other contact details, age, gender, occupation, insurance profile, driving record and details of insurance policies you hold.
How do we collect personal information?
We collect your personal information in various ways, such as over the phone, in one of the Toyota Dealers’ premises, in one of our offices or over the internet if you transact with us online or via one of our partners – Toyota Finance Australia Limited, Toyota Motor Corporation Australia Limited or a Toyota Dealer (collectively the “Toyota Family”).
Whenever possible, we collect your personal information directly from you. However, we may collect personal information about you from someone else. For example, from our intermediaries, including intermediaries in the Toyota network (if you apply for, receive or acquire a Toyota Insurance product or service via them), other insurers, medical practitioners, assessors, repairers, your employer, another party involved in a claim or your family members.
Please note that our intermediaries may (but only with your consent) obtain a credit report about you from a credit agency for the purpose of a loan application assessment or to obtain financial details from your accountant and may provide a copy of this report to us.
How do we use your personal information?
We collect your personal information for the purposes for which it was provided to us, other related purposes or as authorised or required by law. These purposes include:
- communicating with you, providing you with the assistance, products and/or services you have requested and processing any payments;
- setting premiums appropriately and compiling statistics;
- managing, assessing and paying claims;
- conducting market research to better understand the needs of our customers;
- enabling any of the Toyota Family to conduct their own market research to better understand the needs of Toyota customers;
- providing you with marketing material and keeping you informed of special offers, new products or services of ours or any of the Toyota Family that we believe you may be interested in (“Toyota Marketing”) (if you have consented to receiving such); and
- any other purposes specified at the time of collecting your personal information.
If at any time you do not wish to receive Toyota Marketing from us or any of the Toyota Family, you may contact us by calling 137 200 or follow the unsubscribe instructions on any Toyota Marketing. You can elect to receive or cease receiving Toyota Marketing at any time by simply calling that number or following the instructions on any Toyota Marketing.
How do we disclose your personal information?
Where appropriate, we may disclose your personal information to any of the Toyota Family and other third parties who provide services to us or on our behalf for purposes such as processing a claim, validating and confirming information, administering policies and where customer research is conducted and/or such other purposes as noted below. The types of entities to which and purposes for which we may disclose your personal information include:
- related entities ( for the management of your policy or if they take over any of our functions or activities as a result of a restructure or otherwise);
- other insurance companies (such as the life insurers of our finance protection insurance policies) and re-insurers (for example, to confirm your insurance profile);
- the Toyota Family (including our intermediaries throughout the Toyota network and/or an appointed representative to provide or facilitate the provision of our or their services to you);
- our third party Information Technology (IT) and other service providers (such as our mailing house or our lawyers);
- any of the Toyota Family in order for them to provide you with Toyota Marketing (if you have consented to receiving it);
- your employer;
- claims/loss assessors, loss adjusters, investigators and recovery agents (for example, when a claim requires assessment or investigation);
- repairers, suppliers, medical practitioners, rehabilitation providers and case managers;
- insurance reference bureaus, data collection and verification agencies and consumer research organisations;
- the Financial Ombudsman Service (FOS) (this is an external dispute resolution scheme);
- a guarantor noted on a finance contract and finance companies (such as Toyota Finance); and
- government authorities, law enforcement agencies and credit enforcement bodies and agencies (if permitted or required by law).
Some of the entities listed above are located in countries outside of Australia (such as Japan). We will only disclose your sensitive information (such as health information or criminal record) for the purposes for which it was initially collected, the purposes set out in this policy, other directly-related purposes, as permitted by law or purposes to which you otherwise consent.
Security of your personal information
We take reasonable steps to protect your personal information against loss, misuse, interference and unauthorised access, alteration or disclosure. For example, access to the personal information that we store on our systems is subject to the use of secure passwords and identifiers. We also implement reasonable physical security measures.
However, no security measure is completely secure and, despite the procedures we have put in place, we cannot guarantee the security of your personal information (particularly in relation to transmissions over the internet).
Any information which you transmit to us is transmitted at your own risk. You must also make sure you protect your personal information, for example, by protecting your usernames, passwords and policy details.
You should notify us as soon as you become aware of any such security breaches.
How to access and correct your personal information
We take reasonable steps to ensure the personal information we collect and hold is accurate, complete and up-to-date. However, we rely on you to advise us about any changes to your personal information to help us maintain accurate, complete and up-to-date information. Please let us know if you think any information we hold about you is not accurate, complete or up-to-date.
On request, we will provide you with access to your personal information that we hold (unless otherwise required or permitted by applicable law). We will notify you of the basis for any denial to access your information.
In most cases, a summary of basic policy information such as your name, address, contact details, policy details or copies of documents such as repair quotations can be requested by phone and will be sent to you.
Although some requests can be made by telephone, for others (such as a relevant assessor’s or investigator’s report) we may need you to complete a written application.
Please contact us on 137 200 if you would like information on how to request access to such information.
There is no charge for making a request.
If you have a complaint relating to privacy
If you believe we may have compromised your privacy or breached the Privacy Act 1988 (Cth) or its privacy principles, you can call Toyota Insurance on 137 200, or email or write to us. Our contact details are provided on the next page.
You will need to provide us with details of your complaint and any supporting evidence and/or information. You will receive an acknowledgement from us no later than five business days after receipt of your written complaint.
We will refer your complaint to our Internal Dispute Resolution Department (IDR) and will appoint an IDR specialist to investigate your complaint and determine the steps (if any) that we will undertake to resolve your complaint.
We will contact you if we require any additional information from you. You will be sent the final decision of our IDR specialist in writing no later than 15 business days after you contact us, if we have all the necessary information to make that decision.
If you disagree with our decision, you may refer your complaint to the Office of the Australian Information Commissioner by visiting oaic.gov.au, calling 1300 363 992 or emailing firstname.lastname@example.org.
For information regarding your policy or to make a claim:
Phone: 1300 658 027
Fax: (03) 9867 3640
Mail: Toyota Insurance PO Box 7212 Melbourne VIC 3004
To enquire about additional insurance needs, call us on 137 200.