Premium Insurance Company, S.A. (“Premium Insurance”, “we”, “our”, or “us”) is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, www.premiuminsurance.co.mz, and when you interact with our services online or offline.
We encourage you to read this Policy carefully to understand how we handle your data. By using our website or providing your personal information to us, you acknowledge that you have read and understood this Privacy Policy.
We may collect and process the following categories of personal data:
a. Information You Provide Voluntarily
Full name, contact details (telephone, email, address);
Identification documents (e.g., ID, NUIT, passport);
Information related to insurance policies, claims, or quotations;
Employment details (when applying for jobs);
Any other data you choose to share through our forms or correspondence.
b. Information Collected Automatically
When you access our website, we may automatically collect:
IP address and browser type;
Device information and operating system;
Date and time of access;
Pages visited and time spent on each page;
Cookies and similar tracking technologies (see Section 7 below).
Premium Insurance processes personal data for the following purposes:
To provide and manage insurance products and services;
To process quotations, policies, renewals, and claims;
To communicate with clients, brokers, and partners;
To send important service-related updates;
To comply with legal, regulatory, and contractual obligations;
To improve our website, customer service, and digital platforms;
For marketing and promotional purposes (only where consent is given).
We process personal data under one or more of the following legal bases:
Contractual necessity: to perform or prepare a contract with you;
Legal obligation: to comply with Mozambican or applicable regulations;
Legitimate interest: to improve our services and operations;
Consent: when you explicitly agree to receive marketing communications.
We may share your information, where necessary, with:
Authorised employees and agents of Premium Insurance;
Service providers assisting in IT, marketing, or claims management;
Regulatory and supervisory authorities (e.g., ISSM, tax authorities);
Reinsurers, co-insurers, and brokers, as required by law or contract;
Third parties involved in handling insurance claims.
All such parties are required to process your information securely and in accordance with applicable data protection laws.
Your personal data will be retained only for as long as necessary to fulfil the purposes for which it was collected, to comply with legal obligations, or to resolve disputes. Once the retention period expires, your data will be securely deleted or anonymised.
Our website uses cookies to enhance user experience, analyse traffic, and improve performance.
You may configure your browser to refuse all cookies or to indicate when a cookie is being sent. However, certain parts of the website may not function properly without them.
We implement appropriate technical and organisational measures to protect your data against unauthorised access, alteration, disclosure, or destruction. These include encryption, secure servers, access control, and regular audits.
Despite our efforts, no online transmission or storage system is completely secure; therefore, we cannot guarantee absolute security.
Under applicable data protection laws, you may have the following rights:
Access to your personal data;
Correction of inaccurate or incomplete data;
Deletion (“right to be forgotten”) where applicable;
Restriction or objection to processing;
Data portability;
Withdrawal of consent (for marketing communications).
To exercise these rights, please contact us using the details provided below.
Where data may be transferred outside Mozambique, we ensure that appropriate safeguards (such as standard contractual clauses) are in place to protect your information in accordance with applicable data protection laws.
Our website may contain links to other websites operated by third parties. We are not responsible for the privacy practices or the content of those websites. We encourage you to review their respective privacy policies.
Premium Insurance reserves the right to update this Privacy Policy at any time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with the revised “Last Updated” date.
For any questions, concerns, or to exercise your data protection rights, please contact:
Legal Department
Premium Insurance Company, S.A.
Av. Ahmed Sekou Touré 133, Maputo
Email: legal@premiuminsurance.co.mz
“Your well-being is Premium.”
Last Updated: November 2025
Insurance isn’t just about mitigating risks - it’s about providing peace of mind, stability, and confidence.
Privacy PolicyPremium Insurance Company, SA
Insurance Company regulated by the Insurance Supervision Institute of Mozambique (ISSM)
Registration Number: 105017691
NUIT: 401712240