Introduction

Welcome to the website of Insure Instinct, a licensed insurance brokerage based in Goa and registered with the Insurance Regulatory and Development Authority of India (IRDAI).

By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, you should not use this website.

These terms govern the use of this website only and do not replace or override the terms, conditions, or policy documents issued by insurers.

Nature of Services

Insure Instinct operates as an insurance broker. Our role is advisory in nature. We assist clients in evaluating insurance options across multiple insurers and facilitate policy placement and servicing support.

We do not underwrite insurance policies. The issuance of policies and settlement of claims are the sole responsibility of the respective insurers as per policy terms and regulatory guidelines.

Information provided on this website is for general informational purposes and should not be treated as insurance advice, financial advice, or a guarantee of coverage.

Eligibility

By using this website, you confirm that you are legally capable of entering into binding agreements under applicable laws.

Accuracy of Information

While we strive to keep the information on this website accurate and up to date, insurance products, terms, conditions, and regulations may change over time. Insure Instinct does not guarantee the completeness or accuracy of the information displayed.

Users are advised to verify details with our advisory team and refer to insurer policy documents before making decisions.

User Responsibilities

When submitting information through contact forms, inquiry forms, or any other communication channel on this website, you agree that:

• The information provided is accurate and complete

• You are providing information voluntarily

• You will not use this website for unlawful or fraudulent purposes

Intellectual Property

All content on this website, including text, graphics, logos, and layout, is the property of Insure Instinct unless otherwise stated. Unauthorized reproduction, distribution, or use of this content is prohibited.

Third-Party Links and Embedded Content

This website may contain links or embedded content from third-party websites. Insure Instinct is not responsible for the content, privacy practices, or accuracy of information on these external websites.

Limitation of Liability

Insure Instinct shall not be held liable for:

• Any loss arising from reliance on information available on this website

• Any interruption, error, or technical issue affecting website access

• Any decisions made by users based solely on website content without professional consultation

Claims and Policy Servicing

Support provided by Insure Instinct for policy issuance, renewals, or claims documentation is advisory and coordination in nature. Final decisions regarding policy issuance, underwriting, and claim settlement rest with the insurer.

Data and Privacy

Use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as described in the Privacy Policy.

Modifications to Terms

Insure Instinct reserves the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of the updated terms.

Governing Law and Jurisdiction

These Terms & Conditions shall be governed by the laws of India. Any disputes arising from the use of this website shall be subject to the jurisdiction of courts in Goa.

Regulatory Disclosure

Insure Instinct operates as a licensed insurance brokerage in accordance with regulations prescribed by the Insurance Regulatory and Development Authority of India (IRDAI).