Welcome to [Your Insurance Company Name]. By accessing or using our website and services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully. If you do not agree with any part of these terms, you must discontinue using our services.

Definitions

• Policyholder: The individual or entity purchasing an insurance policy.
• Insured Vehicle: The car or bike covered under the insurance policy.
• Premium: The amount paid by the policyholder for the insurance coverage.
• Claim: A formal request made by the policyholder to receive compensation for covered damages or losses.

Eligibility

• Be at least 18 years old.
• Provide accurate and complete personal and vehicle information.
• Comply with all applicable laws and regulations in your jurisdiction.

Policy Coverage

The coverage offered by our car and bike insurance policies includes, but is not limited to:

• Third-Party Liability: Covers damages or injuries caused to third parties.
• Own Damage: Covers damages to the insured vehicle due to accidents, theft, fire, or natural calamities.
• Personal Accident Cover: Provides compensation for injuries or death of the driver or owner.

Premium Payment

• Premiums must be paid in full at the time of policy issuance or renewal.
• Non-payment of premiums may result in policy cancellation.
• We accept payments through authorized channels listed on our website.

Claims Process

• Notify us immediately in the event of an accident, theft, or damage.
• Provide all required documents, including a copy of the FIR (if applicable), proof of damage, and vehicle registration certificate.
• Follow our claims assessment process as outlined in the policy document.

Claims are subject to approval and may involve an investigation process to verify the circumstances of the loss.

Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from the use of our services. Our liability is limited to the extent of the coverage provided under the policy.

Privacy and Data Protection

We are committed to protecting your privacy. Your personal and vehicle information will be used in accordance with our Privacy Policy, which is available on our website.

Amendments

We reserve the right to modify these terms and conditions at any time. Changes will be effective upon posting on our website. It is your responsibility to review the terms periodically.

Contact Us

For any questions or concerns regarding these terms and conditions, please contact us: support@sparkcoverageforyou.com | info@sparkcoverageforyou.com