1. Information we may collect about you

We may receive personal information about you through any of the following methods:

• by completing, uploading, or sending us forms;
• contacting us via our website, social media, live chat, by phone, email, mail, or any other means;
• through family members, your employer, or your representative;
• participating in our events;
• contacting us to manage your product or service;
• contacting us via one of our partner websites;
• from third parties such as other insurance market participants, credit reference agencies, lawyers, witnesses, experts, employers, organizations we insure or reinsure, or third-party claimants;
• submitting or applying for job opportunities with us;
• having publicly accessible information available, including via social media; or
• contacting us for any other reason.

We may collect and process the following personal information about you:

• information including your name, address, and contact details;
• for insurance products, this includes details relating to a proposal or claim (which, depending on the nature of the claim, may include credit history/score, medical reports, and reports of criminal convictions or crimes) or provided to us in connection with the administration of an insurance policy we insure or reinsure;
• for advisory services, this includes details relating to your instructions regarding the provision of those services, the administration and management of those services, and any claims or complaints;
• for recruitment purposes, this includes information you or your recruitment agency provide regarding your application (e.g., your CV, application form) prior to an offer, as well as references and background checks (administered by a third party) following an offer;
• if you contact us, we may keep a record of that correspondence, voice messages, or details of any conversation we may have with you;
• details of your visits to our website and information collected through cookies and other tracking technologies, including, but not limited to, your IP address and domain name, browser version and operating system, traffic data, location data, weblogs, and other communication data, as well as the resources you access; (in most cases, our websites anonymize IP addresses)
• names, dates of birth, National Insurance numbers, pension values, and scheme membership details to administer pension benefits;
• photo and video footage; and
• details of transactions you carry out through our website, including quotes obtained for insurance and advisory services, as well as insurance policies and advisory services; and information available from public sources, including social media.

We may collect and process the following special categories of personal information about you:

• health and medical data, such as information regarding disabilities or dietary requirements;
• data relating to criminal convictions or fraudulent activities, where Markel Equine has conducted or received the results of criminal record checks concerning you, which may be provided to us by you or third parties (such as law enforcement agencies, anti-fraud agencies, or other insurers);
• data relating to racial or ethnic origin, such as information contained in your passport or other documents proving your citizenship and right to work, as well as information you voluntarily provided to us; and
• data concerning sexual orientation where this has been voluntarily provided to us.

2. Why we collect information about you

We may process personal information for legitimate or lawful purposes under any or all of the following conditions:

• corresponding with clients, beneficiaries, and claimants to facilitate insurance policies or advisory services;
• managing relationships with third parties, such as insurance brokers, service providers, and business partners;
• maintaining our accounts and records;
• defending or asserting legal rights;
• for recruitment purposes;
• for the performance of a contract with you or to take steps prior to entering into a contract;
• complying with a legal obligation;
• complying with requirements under foreign laws, law enforcement, courts, and regulatory bodies;
• identifying and preventing fraud;
• modifying, personalizing, or improving our services/communications;
• protecting your vital interests or those of another person;
• gathering market intelligence, communicating with individuals, and tailoring offers to their needs;
• supporting communication and management of events organized by Markel Equine;
• for training and quality purposes;
• complying with pension requirements and benefits;
• enhancing the security of our network and information systems; and
• for the performance of a task carried out in the public interest or in the exercise of official authority.

3. How we may use your personal information

We may use your personal information in the following ways:

• making decisions regarding the provision of insurance or advisory services;
• managing your insurance policy or advisory services, including underwriting and claims handling;
• monitoring calls and transactions to ensure service quality, compliance with procedures, combat fraud, and ensure compliance with UK/EU and international sanctions;
• identifying you and performing identity checks required by applicable law and best practice at any given time;
• recovering monies owed to us and, where necessary, enforcing recovery through debt collection agencies or by taking other legal action;
• analyzing it to understand the service we offer and to improve our business;
• managing our infrastructure, business operations, and complying with internal policies and procedures;
• demonstrating that our services are provided in accordance with legal, regulatory, and professional obligations;
• notifying you about changes to our service;
• providing you with marketing communications by mail, email, SMS, telephone, and fax;
• deciding whether to enter into an employment contract with you;
• assessing your skills, qualifications, and suitability for a role, specifically regarding recruitment;
• conducting background and reference checks, specifically in connection with recruitment;
• communicating with you about the recruitment process, specifically regarding hiring;
• managing your pension benefits and meeting pension requirements;
• maintaining records relating to our hiring processes, specifically regarding recruitment; and
• for promotional purposes, we may publish photographs, recordings, and other content, including advertising campaigns, on our website and associated social media platforms.
• remunerating you for services rendered.

We will never process your data where your interests override ours.

4. Consent

In certain cases, your consent to the processing of your personal data, including special categories of personal data, may be required to comply with applicable data protection legislation. Where applicable, we will request your consent in accordance with this legislation.
Where you have provided your consent, you may withdraw it at any time. However, withdrawing your consent for certain data processing may impact our ability to provide you with advisory services, insurance coverage, process covered claims, or proceed with the recruitment process at Markel.

5. Sharing your personal information

Markel Equine may make personal information accessible to:

Our Group Companies

Our group has subsidiaries worldwide, within Europe and outside Europe (including the United States). We may need to share your personal data with these subsidiaries, but solely for the purposes described in this privacy policy. We remain responsible for the management and security of your personal data. Access to your personal data within Markel Equine and its subsidiaries is strictly restricted to individuals who require it for our business purposes.

Other Third Parties

We may also permit certain third parties and agents, including suppliers, service providers, pension organizations, reinsurers, and financial institutions, to access your personal information for the purposes set out in Section 2.

All such disclosures will be made in accordance with applicable laws. If false or inaccurate information is provided and/or if fraud is identified or suspected, details may be passed to fraud prevention and anti-money laundering agencies, law enforcement, or other insurers, and may be recorded by us or them.

We and other organizations may also access and use this information to prevent fraud and other offenses, for example, when deciding whether or not to pay out on a claim under an insurance or reinsurance policy. We and other organizations accessing and using information recorded by fraud prevention agencies may do so from other countries, including outside the EEA and the UK.

Governmental authorities and third parties involved in legal proceedings may also have access.

We may disclose your personal information to third parties, courts, and/or regulatory or law enforcement bodies in connection with inquiries, proceedings, or investigations by such parties anywhere in the world, or to enable Markel Equine to comply with its regulatory requirements or dialogue with its regulators, where applicable.

6. Marketing

Markel Equine and its affiliates will use your personal data solely to manage your products or services and to communicate information that may be of interest to you. We may also contact you occasionally to inform you about other products or services we offer.

If you were referred to us via a partner's website, we will only use your personal information to contact you regarding our products or services, or those of our partners that may interest you, if our partner provided us with your consent indicating that you agree to be contacted by us.

You may object to receiving these communications at any time using any of the methods described below:

Email: You will always find an unsubscribe link in all marketing emails you receive from us. Certain brands of ours, where applicable, offer the option to select specific types of emails from which you wish to unsubscribe.

Postal Mail: We will indicate in all postal communications how you can opt out of receiving direct mail in the future.

Telephone: If you receive a marketing call from us, please inform the operator if you no longer wish to receive calls from us.

You may also contact us by email at dataprotectionofficer@markel.com, stating "Opt-out Marketing" in the subject line. Please include your contact details (name, company name, address, email, and phone number) so we can ensure we no longer contact you. Your details will be added to a suppression list to guarantee compliance with your request. Please note that this procedure only applies to the individual named in the email, not to your company or organization as a whole.

If you wish to speak directly with us regarding the marketing communications you receive, please use one of the contact methods listed in section 12.

7. AI Privacy Statement

We are committed to protecting personal and confidential information when using Artificial Intelligence (AI) technologies.

• Data Protection First – AI solutions must adhere to existing data privacy, security, and AI frameworks policies. Sensitive and regulated data must only be used where appropriate controls and approvals are in place
• No Unauthorised Data Sharing – Information entered into AI tools must not be shared outside the organisation or used to train external models unless explicitly approved and contractually protected
• Purpose Limitation – AI is used only for legitimate business purposes, with clear ownership and defined use cases.
• Human Oversight – AI outputs are reviewed and validated by humans to ensure accuracy, appropriateness, and compliance.
• Transparency & Accountability – Use of AI must be documented, auditable, and aligned with regulatory and ethical standards.
• Third-Party Assurance – All AI vendors must meet our security, privacy, and compliance requirements, including clear data handling and retention practices.
• Minimisation Principle – Only the minimum necessary information is used in AI systems to reduce privacy risk.

8. Transmission, Storage, and Security of Your Personal Information

Unfortunately, no data transmission over the Internet or via a website can be guaranteed to be completely secure against intrusion.

However, we implement commercially reasonable physical, electronic, and procedural safeguards to protect your personal data in accordance with applicable data protection legislation. All information under our control is stored on our secure servers (or secure paper records), and access to and use of this information are subject to our security policies and standards.

• Where Markel Equine discloses your personal data to a third party, we require that third party to implement appropriate technical and organizational measures to protect your personal data.
• Where we have provided you with (or you have chosen) a password enabling access to certain parts of our website or any other portal we operate, you are responsible for keeping this password confidential and for complying with all other security procedures we communicate to you. We ask that you do not share it with anyone.

Your personal data may be accessed by our staff or authorized third parties and transferred to and/or stored in a country located outside the European Economic Area (EEA) and the UK, where data protection laws may be less stringent. Regardless of location or status (employee or contractor), we will apply the same data protection measures as within the EEA and the UK.

9. Retention of Your Personal Information

We will retain your personal information for as long as reasonably necessary for the purposes set out in Section 2 of this privacy policy. This may mean that we retain your personal information for a period of time, for example, if it may be required in connection with a claim under an insurance policy or advisory services, or if we are required to retain it to comply with tax, accounting, regulatory, or legal obligations.

Regarding data of unsuccessful and prospective applicants, we will retain it in accordance with our data retention policy, for the sole purpose of offering you similar roles to those for which you applied, as well as other positions matching your criteria and professional experience. Under no circumstances will this data be shared with third parties.

It should also be noted that all candidates retain the right to request the erasure of their data at any time by contacting our Data Protection Officer in accordance with section 12 below. Upon receipt of the request, Markel will proceed to erase all data relating to that candidate.

In exceptional circumstances, we may retain your personal data for longer if we have reason to believe that litigation could arise, in the event of a claim, or for any other valid business reason justifying extended data retention. We apply a data retention policy to all data under our care. When your personal data is no longer required, we ensure it is securely deleted.

10. Your Rights

Data protection laws grant you rights regarding the personal information we hold about you, including the right to request that we:

• provide you with more details on how we use your personal information
• provide you with a copy of the personal information we hold about you
• update any inaccuracies in the personal information we hold about you
• delete any of your personal information that we no longer have a lawful basis to use
• where processing is based on consent, you may withdraw your consent to stop such processing
• object to any processing of your data based on our legitimate interests, unless our reasons for carrying out this processing override any impact on your data protection rights. Where your data is processed for direct marketing purposes (including profiling relevant to direct marketing), we restrict the use of your personal information for the duration of an investigation
• request human intervention in certain circumstances where you have been subject to a decision based solely on automated processing
• transfer your personal information to a third party in a standardized, machine-readable format

In certain circumstances, we may be required to restrict your rights to safeguard the public interest (for example, the prevention or detection of crime) and our own interests (for example, maintaining legal professional privilege).

If you wish to exercise any of the above rights, please contact Markel's Data Protection Officer, whose details can be found in section "10. Contact Us" of this policy.

11. Right to Complain

If you are dissatisfied with our use of your personal data, our response to your request to exercise your data protection rights, or if you believe we have breached applicable data protection laws, you have the right to lodge a complaint with the competent supervisory authority. However, we would appreciate the opportunity to address your concerns before you approach the authority; therefore, please contact us first.

In France, the authority overseeing the processing of your personal information is the CNIL (www.cnil.fr).

If you are unsure which authority oversees the processing of your personal data, please contact us for further information.

12. Contact Us

We have a Data Protection Officer who oversees the use of your personal data. You may contact them with any questions regarding the protection of your personal data:

• email dataprotectionofficer@markel.com
• write to:
  Markel Equine
  16, route de la Pierre Dressée
  14130 Pierrefitte-en-Auge
  France

13. Changes to Our Privacy Policy

We may modify the content of our website or services without notice, and consequently, our privacy policy may change at any time. We therefore invite you to review it regularly to stay informed about how we use your personal data.

14. Personal Data and Brexit

Markel Equine has completed the transfer of its European insurance business from its London insurance company, Markel International Insurance Company Limited (MIICL), to its Munich insurance company, Markel Insurance SE (MISE), which governs the transfer of personal data between the UK and the EU. However, we wish to reassure all individuals concerned that their personal data is and will continue to be held securely, whether or not they reside in the UK. For further information, please visit the "EEA Risk Management Post-Brexit" page.

In the meantime, if you have any questions regarding your personal data in the context of Brexit, please do not hesitate to contact our Data Protection Officer. For further details, please refer to section 12 above.

This privacy policy was last updated on 29/07/2026 at 17:48:20 | V44.1