Terms & Conditions

1. Acceptance of Terms

By accessing and using our insurance services, you accept and agree to be bound by the terms and provisions of this agreement.

2. Insurance Coverage

All insurance policies are subject to:

• Policy terms and conditions specific to each insurance product
• Premium payment requirements
• Coverage limits and exclusions as stated in the policy document
• Underwriting approval and risk assessment

3. Premium Payments

Policy premiums must be paid:

• On or before the due date specified in your policy
• Through approved payment methods
• Failure to pay may result in policy cancellation

4. Claims Process

To file a claim, you must:

• Notify us within the timeframe specified in your policy
• Provide all required documentation
• Cooperate with our investigation process
• Submit accurate and truthful information

5. Policy Cancellation

Either party may cancel the policy subject to:

• Written notice as per policy terms
• Applicable cancellation fees
• Refund calculations based on policy provisions

6. Limitation of Liability

Our liability is limited to the terms and coverage amounts specified in your insurance policy. We are not liable for indirect, incidental, or consequential damages.

7. Governing Law

These terms shall be governed by and construed in accordance with applicable insurance regulations and laws.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website.