Individuals aged 16 and over who have fulfilled at least one reason for registration in a claim are registered in the HIS. Everyone who is registered is informed in writing of their registration by the insurance company carrying out the registration.
HIS is not a freely accessible register. Allianz Suisse (ELVIA) only finds out whether a person is registered if he or she is involved in a new claim and Allianz Suisse (ELVIA) makes an HIS query. Allianz Suisse (ELVIA) is not permitted to make an HIS query outside of the claims processing procedures (e.g. before conclusion of a contract).
Allianz Suisse (ELVIA) can check at any time whether there is an entry in the HIS for a person involved in any claim in the motor vehicle (third-party liability and comprehensive cover), travel, liability (personal and public liability) or property (household contents, buildings and business) insurance sectors. If there is an entry in the HIS, Allianz Suisse (ELVIA) is shown the data listed under «Personal data», namely the identification data of the registered person and the reason for the entry. If Allianz Suisse (ELVIA) receives a corresponding indication from the HIS, it can clarify its obligation to pay benefits in a targeted manner.
No insurance benefits/indemnity will be refused solely on the basis of an entry in HIS. The HIS merely gives Allianz Suisse (ELVIA) an indication that it should assess its obligation to pay benefits/indemnity carefully in the event of a claim.
Every individual involved in a claim in the motor vehicle (third-party liability and comprehensive cover), travel, liability (personal and public liability) or property (household contents, buildings and business) insurance sectors (as a policyholder, insured person, aggrieved party, authorised representative, legal entity, service provider or other person) is entered in the register if he or she fulfils a specific reason for registration. Depending on the reason for registration, not only the person who carried out the act in question himself/herself but also persons who participated in it (analogous application of the criminal-law roles of accomplice, aider and abettor) are registered.
Reasons for registration can be of an insurance-contract or liability-law nature. The reasons for registration in the Detection and Registration System are based on the fact that irregularities discovered in the settlement of claims justify an entry for the purpose of processing future claims in which the person concerned is involved. The reasons for registration are:
If the requirements for registration are not fulfilled or the registered data is incorrect, the persons affected have a right to have the entry deleted or corrected.
Registered persons may submit their request for deletion and/or correction to Allianz Suisse (ELVIA).
In addition to the insurance companies which participate in the HIS (including Allianz Suisse), the following two companies are also involved:
The following personal data is processed in the HIS:
All interested persons have a right to obtain information about their own data entered in the HIS. As part of a request for personal information, all persons can ask whether they have an entry in the HIS, whether queries have already been made about them and which of their personal data is saved in the HIS. Requests for personal information must be sent in writing to the operator of the HIS (SVV Solution AG, Conrad-Ferdinand-Meyer-Strasse 14, CH-8022 Zurich) along with a copy of an official form of identification (passport, ID card) and details of the postal address for the written reply. In addition, every person has the right to request information from Allianz Suisse (ELVIA) about its processing of personal data.
For reasons of data protection, no information is provided over the telephone as clear identification is not possible on the phone. Applicants must provide the following information for identification purposes: