Terms & Conditions

Last Updated: 10th August 2026

Welcome to AJ Insurance. These Terms & Conditions (“Terms”) govern your access to our website, https://ajinsurance.in/, and the use of our insurance products, services, and related applications (collectively, the “Services”). By applying for a policy, paying a premium, or using our Services, you agree to these Terms. If you do not agree, you must not use our Services.

1. Insurance Applications and Quotations

  • Accuracy of Information: When applying for insurance or requesting a quote, you are legally bound by the Principle of Utmost Good Faith (Uberrimae Fidei). You must provide accurate, complete, and current information regarding your personal details, health, property, or any other risk factors.
  • Quotes are Non-Binding: Any premium quotes provided online, over the phone, or via email are estimates based on the information you provide. A quote does not constitute a binding contract or a guarantee of coverage.

2. Underwriting and Policy Issuance

  • Right to Decline: All applications are subject to underwriting approval. AJ Insurance reserves the right to accept, decline, or offer modified terms for any insurance application based on our risk assessment guidelines.

 

  • Policy Binding: Coverage is not legally bound or effective until we have issued a formal Policy Schedule or Certificate of Insurance, and the initial premium has been paid and cleared.
  • Controlling Documents: In the event of any conflict between these website Terms and your specific Insurance Policy wording, the terms, conditions, and exclusions of your Insurance Policy shall strictly govern.

 

3. Premium Payments

  • Payment Obligations: You agree to pay all premiums on time as outlined in your policy schedule. We accept payments via [List accepted payment methods, e.g., credit card, bank transfer, AutoPay].
  • Grace Periods and Lapse: Policies may include a specific grace period for late payments (e.g., 15 or 30 days). If a premium remains unpaid after the grace period expires, AJ Insurance reserves the right to cancel or lapse the policy, terminating your coverage.
  • Refunds: Premium refunds, if applicable upon policy cancellation, will be calculated on a pro-rata or short-rate basis as strictly defined in your policy documents.

4. Claims Processing

  • Notification of Claim: You must notify us of any event that may give rise to a claim immediately, or within the time frame specified in your policy. Failure to report a claim promptly may result in denial of coverage.
  • Cooperation: You agree to fully cooperate with our claims adjusters and investigators. This includes providing requested documentation (e.g., police reports, medical records, photographic evidence) and submitting to examinations under oath if required.
  • Fraudulent Claims: Any claim found to be fraudulent, intentionally exaggerated, or supported by falsified documents will be denied. Furthermore, AJ Insurance reserves the right to immediately void the policy and pursue civil or criminal legal action.

5. Cancellations and Renewals

  • Cancellation by You: You may cancel your policy at any time by providing written notice to us.
  • Cancellation by Us: We reserve the right to cancel your policy for non-payment of premium, material misrepresentation, fraud, or a substantial increase in the hazard insured against, subject to the notice periods required by local insurance laws.
  • Renewals: We are not obligated to renew any policy. If we choose to offer a renewal, we may adjust the premium, terms, or coverage limits based on reassessed risks.

6. Intellectual Property and Platform Use

  • Ownership: All content on this website, including text, graphics, logos, and software, is the exclusive property of AJ Insurance or its licensors and is protected by intellectual property laws.
  • Prohibited Conduct: You may not use our platform to submit false applications, distribute malware, scrape data, or attempt to gain unauthorized access to our secure servers or customer databases.

7. Limitation of Liability

To the maximum extent permitted by applicable law, AJ Insurance and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or digital services. Our liability regarding actual insurance coverage is strictly limited to the applicable limits of liability stated in your active, bound insurance policy.

8. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction/State/Country], without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our digital platforms will be subject to the exclusive jurisdiction of the courts located in Mumbai.

9. Contact Information

For inquiries regarding these Terms, your policy, or to report a claim, please contact us:

 

AJ Insurance

Address: 203/U Second Floor, Raghuleela Mall, Opp. Poisar depot, Kandivali (West), Mumbai – 400067 

Email: spielinsurance@gmail.com

Phone: 022 40100184

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