|1.3. This Website is intended for use by Sri Lankan residents only, aged 18 years and over. You should note that this Website (including products, price references and product descriptions) is frequently updated. Products may be withdrawn at any time, without notice.
|3. Refund Policy
|3.1. AIBL holds the whole authority to take the decision on refunding the money.
|4. Third party products
|4.1. You can apply for a number of products via this Website. These products are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product before doing so. Before making a decision to purchase a product, you should consult the relevant product documents. The presence of a product on this Website does not constitute an endorsement by us of these products.
|4.2. All product prices are quoted in Sri Lankan Rupees.
|4.3. We are not responsible or liable for any loss or damage you or any third party may suffer or incur in connection with any product you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product.
|4.4. This Website contains statements regarding the terms of the products, including features and inclusions. Some of these statements are generalized in order to give you a summary of the products being compared. However, not all products are the same and you should confirm the exact terms of any product that you intend to purchase prior to purchasing that product. The product information supplied on the Website is available only to Sri Lankan residents.
|4.5. By submitting your personal information through this Website, you are able to make an offer to obtain a product from a third party provider. That offer may be accepted or rejected by the respective third party provider. The contract for the product will only be concluded once your offer has been accepted by the relevant third party provider. If your offer is accepted then the product will be provided to you, subject to the third party provider’s terms and conditions. You will receive written confirmation if your offer has been accepted.
|4.6. Insurance premium is calculated on the Website according to the details you provide on the Website, therefore please make sure that all the details submitted by you are correct and true according to your knowledge. If there is any difference between the information you provided on the Website vs. the real information (which will be collected when issuing the insurance policy) an additional charge may be charged when issuing the insurance policy or third party provider has the authority to reject issuing the policy.
|4.7. In event of an accident, third party provider may request for a police report to intimate the claim.
|5. The AIBL's service and how we are paid
|5.1. We provide a service on this Website which enables you to research and compare Motor insurance, Travel Insurance, Home Insurance and Medical Insurance all of which are provided by third party providers.
|5.2. Our comparison service is free for you to use. We receive payment from the third party providers when you use our service to purchase products from them.
|5.3. Through this Website, you will be issued a temporary motor insurance cover note and insurance policy will be issued within two (2) working days if the third party provider accepts your proposal. Insurance policy documents will be arranged to you by AIBL.
|5.4. If the insurance proposal is rejected by the third party provider, AIBL will arrange the full refund or by reducing a pro rate value.
|6. Permitted use
|6.2. You are not permitted to do anything that may affect the security of this website or any information or material stored within it.
|6.3. You agree not to:
|6.3.1. post, distribute or send any ‘spamming material’ or any other form of bulk communication.
|6.3.2. use any automated tool (such as a spider, robot or aggregation tool) to access, copy or extract such information.
|6.3.4. use any method or process (including data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, re configuring, republishing, viewing, assessing, analyzing, modifying or repackaging any Website content.
|6.3.5. use any method or process to consolidate or combine any Website content with any other content, data, information, images or material.
|6.3.6. reverse engineer, disassemble or otherwise attempt to construct or identify this Website's source code, formulas or processes.
|6.3.7. use systematic, repetitive or any other methods which are designed to obtain a large number of quotes, comparisons, rankings or other pricing and related information from this Website.
|6.3.8. use, obtain or attempt to obtain from this Website, information in order to identify or discover pricing, underwriting, rating and related business methodology or systems; or
|6.4. You are not permitted to use this Website in any unlawful, immoral or fraudulent manner.
|6.5. You agree that if you provide any information on this Website, that information shall be true, accurate and complete.
|7. Registering an account
|7.1. This Website allows you to create a personal account. This website may allow you to sign in to your personal account by generating a standard username and password. Any such account or access details provided or created by you will be referred to collectively as “Login Details”.
|7.2. In all cases, if you create a personal account, you agree that:
|7.2.1. your Login Details must be used exclusively by you.
|7.2.2. you will keep your Login Details secure and confidential at all times and will not disclose these to any other person. For security purposes we recommend that you change your password at least once every 2 months.
|7.2.3. you are responsible for all actions that take place as a result of access to this website’s services via your Login Details.
|7.4. We reserve the right to disable or close your account at any time as a result of any suspected or actual unauthorized use of your Login Details and we will notify you by using the contact details that you have previously provided.
|8. Intellectual property rights
|8.1. The word or mark "clicktoinsure.lk" however represented, all associated logos and symbols, and any combinations with another word or mark, are owned by AIBL or one of its group companies.
|8.2. All intellectual property rights in any material or content contained in or accessible via this Website is either owned by AIBL or has been licensed to us for use by us.
|8.3. You will only make fair use of the marks on this Website and shall not use them:
|8.3.1. as part of your own marks.
|8.3.2. in a manner which is likely to cause confusion or damage to the reputation of AIBL; or
|8.3.3. to identify or imply endorsement or otherwise of products or services to which they do not relate.
|9. Exclusions of liability
|9.1. This website its content and services are supplied to you on a strictly “as is” basis and we make no warranties, express or implied, regarding their satisfactory quality, fitness for a particular purpose, reliability, timeliness, accuracy, completeness, security or that they are free from error.
|9.2. We try to ensure that the information displayed on this Website (which provided by the third party providers) is accurate, however your access to this website and any action you carry out on the basis of information you obtain from this Website is carried out entirely at your own risk and we accept no liability and deem to be liable for any losses financially or otherwise that you may suffer as a result.
|9.3. We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.
|9.4. This Website its content and services are supplied to you on a strictly “as is” basis and we make no warranties, express or implied, regarding their satisfactory quality.
|9.5. We will not be liable for any loss of use, profits or data or any indirect, special or consequential damages or losses, whether such losses or damages arise in contract, negligence or tort, or otherwise in relation to:
|9.5.1. your use of, reliance upon or inability to use this Website or content.
|9.5.2. the deletion with or without notice or cause of any of your data or information stored on this Website.
|9.5.3. any loss of your content or communications resulting from delays, non-deliveries, missed deliveries, service interruptions or a failure, suspension or withdrawal of all or part of this Website at any time.
|9.5.4. the removal from this Website of any content or communications sent or posted by you on or via this Website.
|9.5.5. any circumstance that is outside of our reasonable control; and
|9.5.6. any loss or damage that is not directly caused by us or which we could not reasonably expect at the time we entered into our agreement with you.
|12. Product features
|12.1. Agent repair facility is available for brand new vehicles. Clicktoinsure products’ Agent Repair facility is applicable up to a certain period from the year of manufacture. If you need this cover for additional years, we can arrange it after purchasing the product with a cost. Below limits are only for 4 wheel vehicles.
|12.2. Cooperative Insurance – Up to 3 years from the year of manufacture
|12.3. Amana Insurance – Up to 3 years from the year of manufacture
|12.4. LOLC Insurance – Up to 3 years from the year of manufacture
|12.5. Fairfirst Insurance – Up to 3 years from the year of manufacture
|12.6. Sri Lanka Insurance – No year limit. Owners account reduction will apply after 5 years
|12.7. Orient Insurance – No year limit. Owners account reduction will apply after 3 years
|12.8. Allianz Insurance – Agent repair cover not available
|13. Governing law
|14. Contact us
|14.1. We have a number of links on this website. These may take you to other Websites. The purpose of these links is to provide you with easy access to further information you may need in making your purchase decision.
|14.2. If you have any questions concerning this Website or the services and products we provide, please contact us.