Terms of service, clearly defined.

Platform scope & aggregator role

Insuremile operates as an IRDAI-registered insurance web aggregator. Our platform provides insurance quote comparison, policy renewal assistance, and digital document servicing for bike, car, and health insurance products across India.

Insuremile is an aggregator and facilitator. We do not underwrite insurance policies or issue risk coverage directly.

Accuracy of customer disclosures

When requesting quotes or renewing coverage, you agree to provide truthful, accurate, and complete information regarding your vehicle, health status, and previous claim history. Inaccurate disclosures may lead to policy voidance or claim rejection by the insurer.

• Vehicle details such as registration number, manufacturing year, and claim-free years (NCB).
• Health declarations, pre-existing medical conditions, and lifestyle disclosures.
• Valid contact information for receiving statutory policy documents and renewal alerts.

Quotes & policy binding

All premiums, discounts, and coverage terms displayed on Insuremile are retrieved directly from partner insurance companies. A policy is deemed bound only upon successful payment verification and formal policy document generation by the selected insurer.

• Premiums are subject to verification against official insurer rating tables.
• Policy issuance remains subject to insurer underwriting approval.
• Instant digital policy receipts are dispatched upon payment confirmation.

Intellectual property & fair usage

The content, layout, calculation tools, and registered trademarks on Insuremile.in are owned by or licensed to Insuremile. Automated scraping, data extraction, or unauthorized reproduction of platform content is strictly prohibited.

Limitation of liability & claim decisions

Insurance coverage contracts are strictly between the policyholder and the issuing insurance company. Insuremile is not liable for claim decisions, claim repudiations, or delays caused by third-party insurer processing.

Our customer success team provides dedicated assistance during claims, but final settlement authority rests with the insurer under IRDAI guidelines.

Grievance escalation & governing law

These terms are governed by the laws of India. Any dispute arising out of platform usage shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka.

• Customer complaints are acknowledged within 24 hours by our grievance officer.
• Unresolved complaints after 15 working days can be escalated to IRDAI Bima Bharosa.
• Grievance Officer contact details are available under our statutory disclosure page.