TERMS AND CONDITIONS
Everything in life now comes with an asterisk. This means that there are some
conditions to the contract between us. We try and keep the surprise down to the
minimum. In this case about a million words. But this has to be done as Insurance is
important and what it offers you must never have grey areas.
Go through this document if you need to. It has everything covered.
D2C Insurance Broking Pvt. Limited (hereinafter referred to as D2C Insurance) operates
the website www.renewbuy.com to provide consumers choice and an easy way to buy
Insurance products from multiple Insurance companies. D2C Insurance is not an
insurance company but a licensed Insurance Broking Company holding a Broking licence
from the Indian Insurance Regulator – Insurance Regulatory and Development authority.
IRDA broking licence no. IRDA/ DB 571/ 14
Our participating insurance providers supply some of the information available on the
Website and therefore there may be inaccuracies in the Website Information over which
D2C Insurance has limited control.
D2C Insurance does not warrant or guarantee the Timeliness, accuracy or completeness
of the Website Information; or Quality of the results obtained from the use of the
Website. To the maximum extent permitted by law, D2C Insurance has no liability in
relation to or arising out of the Website Information and Website recommendations.
You are responsible for the final choice of your product and you should take time to
read through all information supplied before proceeding. If you are in any doubt
regarding a product or its terms you should seek further advice from D2C Insurance or
the relevant participating provider before choosing your product.
D2C Insurance may pass on your personal information to the relevant participating
provider if you apply to purchase a product through www.renewbuy.com, however, D2C
Insurance does not guarantee when or if you will actually acquire the product that you
have chosen. D2C Insurance does not accept any liability arising out of circumstances
where there is delay in you acquiring the product you have chosen.
Please note that D2C Insurance is only collecting or assisting in collecting the premium
deposit on behalf of the insurer you have chosen to buy the policy. The acceptance of
the deposit as premium and final issuance of the policy is subject to the underwriting
norms and discretion of the Insurer whose policy you have chosen to buy on which D2C
Insurance has no control. D2C Insurance will ensure that the insurer refunds the amount
in case there is no ultimate issuance of policy. However D2C Insurance does not commit
to any timelines over which the insurer will make this refund.
By visiting our website and accessing the information, resources, services, products, and
tools we provide, you understand and agree to accept and adhere to the following
terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’),
November 17th 2014. We reserve the right to change this User Agreement from time to
time without notice. You acknowledge and agree that it is your responsibility to review
this User Agreement periodically to familiarize yourself with any modifications. Your
continued use of this site after such modifications will constitute acknowledgment and
agreement of the modified terms and conditions.
Responsible Use and Conduct
? By visiting our website and accessing the information, resources, services, products,
and tools we provide for you, either directly or indirectly (hereafter referred to as
‘Resources’), you agree to use these Resources only for the purposes intended as
permitted by (a) the terms of this User Agreement, and (b) applicable laws,
regulations and generally accepted online practices or guidelines.
Wherein, you understand that:
a) In order to access our Resources, you may be required to provide certain
information about yourself (such as identification, contact details, etc.) as part of
the registration process, or as part of your ability to use the Resources. You
agree that any information you provide will always be accurate, correct, and up
b) You are responsible for maintaining the confidentiality of any login information
associated with any account you use to access our Resources. Accordingly, you
are responsible for all activities that occur under your account/s.
c) Accessing (or attempting to access) any of our Resources by any means other
than through the means we provide, is strictly prohibited. You specifically agree
not to access (or attempt to access) any of our Resources through any
automated, unethical or unconventional means.
d) Engaging in any activity that disrupts or interferes with our Resources, including
the servers and/or networks to which our Resources are located or connected, is
e) Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is
f) You are solely responsible any consequences, losses, or damages that we may
directly or indirectly incur or suffer due to any unauthorized activities conducted
by you, as explained above, and may incur criminal or civil liability.
g) We may provide various open communication tools on our website, such as blog
comments, blog posts, public chat, forums, message boards, newsgroups,
product ratings and reviews, various social media services, etc. You understand
that generally we do not pre-screen or monitor the content posted by users of
these various communication tools, which means that if you choose to use these
tools to submit any type of content to our website, then it is your personal
responsibility to use these tools in a responsible and ethical manner. By posting
information or otherwise using any open communication tools as mentioned,
you agree that you will not upload, post, share, or otherwise distribute any
i. Is illegal, threatening, defamatory, abusive, harassing, degrading,
ii. Infringes on any trademark, patent, trade secret, copyright, or other
iii. Contains any type of unauthorized or unsolicited advertising;
iv. Impersonates any person or entity, including any www.renewbuy.com
h) We have the right at our sole discretion to remove any content that, we feel in
our judgment does not comply with this User Agreement, along with any content
that we feel is otherwise offensive, harmful, objectionable, inaccurate, or
violates any 3rd party copyrights or trademarks. We are not responsible for any
delay or failure in removing such content. If you post content that we choose to
remove, you hereby consent to such removal, and consent to waive any claim
i) We do not assume any liability for any content posted by you or any other 3rd
party users of our website. However, any content posted by you using any open
communication tools on our website, provided that it doesn’t violate or infringe
on any 3rd party copyrights or trademarks, becomes the property of D2C
Insurance Broking Pvt. Ltd., and as such, gives us a perpetual, irrevocable,
worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate,
publish, publicly display and/or distribute as we see fit. This only refers and
applies to content posted via open communication tools as described, and does
not refer to information that is provided as part of the registration process,
necessary in order to use our Resources. All information provided as part of our
j) You agree to indemnify and hold harmless D2C Insurance Broking Pvt. Ltd. and
its parent company and affiliates, and their directors, officers, managers,
employees, donors, agents, and licensors, from and against all losses, expenses,
damages and costs, including reasonable attorneys' fees, resulting from any
violation of this User Agreement or the failure to fulfill any obligations relating to
your account incurred by you or any other person using your account. We
reserve the right to take over the exclusive defense of any claim for which we
are entitled to indemnification under this User Agreement. In such event, you
shall provide us with such cooperation as is reasonably requested by us.
k) Any disputes arising out of the above will only be tried in the appropriate courts
intimidating, fraudulent, deceptive, invasive, racist, or contains any type
of suggestive, inappropriate, or explicit language;
proprietary right of any party;
employees or representatives.
Your privacy is very important to us, which is why we’ve created a separate Privacy
Policy in order to explain in detail how we collect, manage, process, secure, and store
Limitation of Warranties
By using our website, you understand and agree that all Resources we provide are “as
is” and “as available”. This means that we do not represent or warrant to you that:
• The use of our Resources will meet your needs or requirements.
• The use of our Resources will be uninterrupted, timely, secure or free from errors.
• The information obtained by using our Resources will be accurate or reliable, and
• Any defects in the operation or functionality of any Resources we provide will be
repaired or corrected.
Furthermore, you understand and agree that:
? Any content downloaded or otherwise obtained through the use of our Resources is
done at your own discretion and risk, and that you are solely responsible for any
damage to your computer or other devices for any loss of data that may result from
the download of such content.
? No information or advice, whether expressed, implied, oral or written, obtained by
you from D2C Insurance Broking Pvt. Ltd. or through any Resources we provide shall
create any warranty, guarantee, or conditions of any kind, except for those expressly
outlined in this User Agreement.
Limitation of Liability
In conjunction with the Limitation of Warranties as explained above, you expressly
understand and agree that any claim against us shall be limited to the amount you paid,
if any, for use of products and/or services. D2C Insurance Broking Pvt. Ltd. will not be
liable for any direct, indirect, incidental, consequential or exemplary loss or damages
which may be incurred by you as a result of using our Resources, or as a result of any
changes, data loss or corruption, cancellation, loss of access, or downtime to the full
extent that applicable limitation of liability laws apply.
All content and materials available on www.renewbuy.com, including but not limited to
text, graphics, website name, code, images and logos are the intellectual property of
D2C Insurance Broking Pvt. Ltd., and are protected by applicable copyright and
trademark law. Any inappropriate use, including but not limited to the reproduction,
distribution, display or transmission of any content on this site is strictly prohibited,
unless specifically authorized by D2C Insurance Broking Pvt. Ltd.
Termination of Use
You agree that we may, at our sole discretion, suspend or terminate your access to all or
part of our website and Resources with or without notice and for any reason, including,
without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or
abusive activity may be grounds for terminating your relationship and may be referred
to appropriate law enforcement authorities. Upon suspension or termination, your right
to use the Resources we provide will immediately cease, and we reserve the right to
remove or delete any information that you may have on file with us, including any
account or login information.
This website is controlled by D2C Insurance Broking Pvt. Ltd. from our offices located in
the state of New Delhi, India. It can be accessed by most countries around the world. As
each country has laws that may differ from those of Delhi, by accessing our website, you
agree that the statutes and laws of Delhi, without regard to the conflict of laws and the
United Nations Convention on the International Sales of Goods, will apply to all matters
relating to the use of this website and the purchase of any products or services through
Furthermore, any action to enforce this User Agreement shall be brought in the federal
or state courts located in New Delhi. You hereby agree to personal jurisdiction by such
courts, and waive any jurisdictional, venue, or inconvenient forum objections to such
UNLESS OTHERWISE EXPRESSED, D2C Insurance Broking Pvt. Ltd. EXPRESSLY DISCLAIMS
ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
If you have any questions or comments about these our Terms of Service as outlined
above, you can contact us at:
435 Vipul Trade Center, Sohna Road
Tatvam Villas, Dhani, Sector 48, Gurgaon, Haryana 122004
New Delhi - 110030
Motor Terms & Conditions
I / We desire to insure with Tata-AIG General Insurance Company Limited in respect of the vehicle described above and confirm that the statements contained in this proposal are my/our true and accurate representations.
I/we undertake that if any of the statements are found to be false or incorrect, the benefits under this policy would stand forfeited. I/We agree that this application and declaration shall be promissory and shall be the basis of the contract between me/us and Tata-AIG General Insurance Company Limited.
I/We confirm that I/We have read and understood the coverages, the terms and conditions and agree to accept the company's policy of insurance along with the said conditions prescribed by the company. I/We also declare and undertake that if there is any change in information as submitted by me/us after this submission then the same would be conveyed to Tata-AIG General Insurance Company Limited immediately failing which it is agreed and understood by me/us that the benefits under the policy would stand forfeited. I/We agree to the company taking appropriate measures to capture the voice log for all such telephonic transactions carried out by me/us as required by the procedures/regulations internal or external to the company and shall not hold the company responsible or liable for relying / using such recorded telephonic conversation. I/We agree that the insurance would be effective only on acceptance of this application by the company and the payment of the requisite premium by me/us in advance. In the event of non-realisation of the cheque or non-receipt of the amount of premium by the company the policy shall be deemed cancelled ab-initio and the company shall not be responsible for any liabilities of whatsoever nature under this policy.
Declaration for No Claim Bonus:
I/We declare that the rate of NCB claimed by me/us is correct and that NO CLAIM has arisen in the expiring policy period. I/We further undertake that if this declaration is found incorrect, all benefits under the policy in respect of section I of the policy will stand forfeited.
I/We hereby confirm that all premiums have been/will be paid from bonafide sources and no premium have been/will be paid out of proceeds of crime related to any of the offence listed in Prevention of Money Laundering Act,2002.
I understand that the Company has the right to call for documents to establish sources of funds.
The insurance company has right to cancel the insurance contract in case I am/have found guilty by any competent court of law under any statutes, directly or indirectly governing the prevention of money laundering in India.
I have read and understood the above mention Terms & Conditions.
Section 41 of Insurance Act 1938 (Prohibition of rebates):
No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer.
Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to ten lakh rupees.
Submission of documents:
It is a mandatory on your part to submit Automobile Association Membership Certificate and Previous Insurance Policy at the time of reporting of claim in case you have opted for Automobile Association membership discount and No Claim Bonus respectively.
Commencement of risk cover under the policy is subject to receipt and realisation of payable premium by Tata AIG General Insurance Company Limited
The Company shall not be liable under this Policy in respect of:
Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area.
Any claim arising out of any contractual liability.
Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is
a.)being used otherwise than in accordance with the Limitations as to Use or
b.)being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause.
a) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss
b.) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self sustaining process of nuclear fission.
Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim.
For complete list of detailed exclusions & conditions for Private Car, please refer policy wordings.
For complete list of detailed exclusions & conditions for Two Wheeler, please refer policy wordings.
I hereby confirm that I am the policyholder as well as the owner of the credit card / debit card / Internet banking account or any other online payment method, through which I am paying the policy premium. Please note, in-case of a refund, the amount payable will automatically credited to the same account that you are using to pay the premium or can be refunded through a cheque in the name of the proposer.
I have read and understood the above mention Terms & Conditions
Tata AIG General Insurance Company Limited,
Registered Office: Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
Registered with IRDA of India Registration No. 108
Email Id firstname.lastname@example.org
Toll Free Number: 1800 266 7780
Fax Number 022 6693 8170
D2C Insurance Broking Pvt Ltd
Registered office: 434-435 Vipul Trade Center, Sohna Road Sector 48, Gurgaon, Haryana, 122018
Registered with IRDA of India License: IRDA/DB 571/14
Email Id: email@example.com
Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please refer sales brochure/policy wording carefully before concluding a sale.
For Two Wheeler - TAGICWebApp/MR2W/Nov 16/2 Ver1/Renewbuy 750
For Four Wheeler - TAGICWebApp/MRPC/Nov 16/1 Ver1/Renewbuy 749