Terms of Service

1. Agreement to Terms

Welcome to Insurvana. By accessing or using our services, you agree to comply with and be bound by these Terms of Service. If you do not agree with these terms, you must not use our services.

2. Definitions

In these Terms of Service, the following terms shall have the meanings assigned to them:

• “Company”: refers to Insurvana offering car insurance services.
• “User”: refers to any individual or entity using our services.
• “Services”: the car insurance products and any additional services offered by the Company.
• “Policy”: the insurance coverage agreement between the User and the Company.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate and complete information as requested during the application and claims processes.

4. Acceptance of Policies

Your application for insurance coverage will be considered upon submission. Insurvana reserves the right to accept or reject any application at its discretion. Once your application is accepted, you will receive a Policy document outlining the terms of coverage.

5. Premium Payments

Users are required to pay premiums as outlined in their Policy. Premiums can be paid monthly, quarterly, or annually based on the selected payment plan. Non-payment of premiums may result in the cancellation of the Policy.

5.1. Payment Methods

Insurvana accepts various payment methods including credit cards, debit cards, and direct bank transfers. All payment transactions must be completed successfully to maintain the coverage under the Policy.

6. Coverage and Limitations

The coverage provided by your Policy will be subject to specific limitations and exclusions. It is important to review your Policy document thoroughly to understand the extent of your coverage, including:

• Types of coverage included (e.g., liability, collision, comprehensive).
• Conditions under which claims may be denied.
• Geographic limitations of coverage.
• Exclusions related to specific incidents or vehicle types.

7. Claims Process

In the event of a loss or an accident, you must notify Insurvana as soon as possible. The claims process typically involves the following steps:

1. Report the incident to the relevant authorities if necessary.
2. Contact Insurvana’s claims department to submit your claim.
3. Provide all required information and documentation for the claim review.
4. Cooperate with any investigation related to the claim.

7.1. Timelines

Insurvana aims to process claims promptly. However, the time taken may vary based on the complexity of the claim, the availability of information, and other factors.

8. Policy Changes and Cancellations

Users have the right to request changes to their Policy. Insurvana reserves the right to modify Policy terms, premium rates, and coverage limits upon written notification.

8.1. User Cancellations

Users may cancel their Policy at any time, subject to the terms and conditions outlined in the Policy document. Cancellation may result in a refund of the unused portion of the premium, according to the cancellation policy.

9. User Responsibilities

As a User, you are responsible for:

• Providing accurate information during application and claims processes.
• Maintaining your eligibility for insurance coverage.
• Notifying Insurvana of any changes in circumstances that may affect your coverage.

10. Privacy Policy

Insurvana respects your privacy and handles all personal information according to our Privacy Policy. By using our services, you consent to the collection and use of your information as outlined in the Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by law, Insurvana shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services or any related issues. Our liability to you for any claim arising out of these Terms of Service shall be limited to the total amount of premiums paid by you under the relevant Policy.

12. Dispute Resolution

In the event of any dispute arising out of or relating to these Terms of Service or the services provided by Insurvana, you agree to first attempt to resolve the dispute with us informally. If a resolution cannot be reached, you agree to submit the dispute to binding arbitration in accordance with the rules of the relevant arbitration organization.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Insurvana operates. Any legal proceedings shall be conducted in accordance with those laws.

14. Changes to the Terms of Service

Insurvana reserves the right to modify these Terms of Service at any time. We will notify Users of any changes by posting the updated terms on our website. Continued use of our services after changes have been made constitutes acceptance of the revised terms.

15. Miscellaneous

These Terms of Service constitute the entire agreement between you and Insurvana regarding the use of our services. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in effect. Failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

16. Contact Information

If you have any questions about these Terms of Service, you may contact us through our official channels. We are here to assist you with any inquiries or concerns related to your car insurance needs.