Disclaimer

SMC Insurance Brokers Private Limited (hereinafter “SMC”) owns and maintains  www.smcinsurance.com .

SMC is a Direct Insurance Broker and is regulated by the Insurance Regulatory and Development Authority of India (IRDAI) under certificate of registration no. 289 with the validity up to 27th January 2023. SMC complies with all the regulations laid down by the IRDAI.

Please note for Direct Insurance Policies issued in India, as per Section 64 (VB) of The Insurance Act, 1938, the coverage shall start only after the premium is received by the Insurer.

As insurance is a matter of solicitation, investor’s discretion is highly recommended. Visitors are hereby informed that their information submitted on the website may be shared with the insurers. Product information is authentic and solely based on the information received from the Insurer.

This website has been compiled by SMC with the honest intention of educating people on the subject of insurance.

All the data, facts, and features about the different insurance plans published on the website are same as provided by the insurers.

However, no representation is made or warranty is given (whether express or implied) as to the completeness or accuracy of the information it contains.

By browsing this website, you agree that SMC shall not be held responsible or liable for any direct or indirect loss incurred by using the information displayed on this website.

The website intends to serve only the residents of India who are competent to sign a contract as per the Indian Contract Act, 1872.

Presently, this site is not available to foreign residents including non-resident Indians (NRIs) residing in foreign jurisdictions due to being deemed as ‘not serviceable’ without prior regulatory compliances.

SMC and its affiliates are not liable for the use of this website by any person for whom this website is not intended.

The website does not establish any contractual relationship between SMC and the visitor.

The content published on the website is for educational purposes and should not be taken as professional advice.

All money-related decisions taken after visiting the website are at the sole discretion of the visitor.

SMC reserves the right in its sole discretion and with or without notice to you, to suspend or to edit, alter or remove any content, in whole or part, which may be available on the website.

Any amendment or update in the content can be done anytime.

The third-party websites that are linked with  www.smcinsurance.com are not under SMC’s control and hence, SMC shall not be responsible for the contents of any linked website and any link contained in the linked site.

SMC is not responsible for any changes in the content of the linked sites.

The views and opinions written in the articles and blogs published on the website are solely of the writer and SMC may not share the same views.

If anyone suffers any mental shock or distress after reading the content of the website, SMC is not responsible for that.

SMC is not responsible for any default of the insurance partners endorsed on the website.

SMC will help in claim clearance from the insurance companies but cannot be held responsible in cases where the claims are not honored.

SMC affiliates, its content providers, the directors, and all its employees are not responsible for any financial loss suffered after acting upon the information provided on the website.

SMC would not provide any help or cannot be held responsible in case of policy lapse due to non-payment of premium, irrespective of the reason for such non-payment.

Please also note that you may not rely solely on email communication to us to report a claim or to give us instructions to place, bind, change or terminate coverage unless we have subsequently got confirmation from you in writing that we have received your message and will be taking the action you have requested.

It is your duty to disclose all material facts to insurers prior to the inception of the policy, and to keep them advised of any changes to such fact/s or any new fact/s throughout the currency of the policy and upon renewal.

A material fact is a fact that may influence an insurer's judgment in their assessment of risk.

If you are in any doubt as to whether a fact is a material we recommend that it be disclosed.

Failure to disclose material fact/s may entitle insurers to render the policy as void from inception i.e. void ab initio.

This can lead to the rejection of a claim.

While our expertise team attempt to address your issues or concerns promptly, however, in the unlikely event of non-resolution of issue or if you would like senior management to get involved, then you can register your grievance or complaint at po_smc@smcinsurance.com to Principal Officer, at our registered office.

We take pride in our state-of-the-art technology infrastructure and keep our efforts in advancing it continuously.

Remember, all technology is prone to glitches and breakdowns.

If you suffer any loss due to any technical glitch or error in the payment gateway, then also SMC cannot be held responsible or accountable.

Hence, it is advisable to avoid waiting for the last day to make payments.

Any decision taken after telephonic consultation with an officer claiming to be from SMC is solely at the discretion of the individual.

SMC cannot be held accountable for any losses suffered after acting upon such discussion.

As you are using our portal, we take it for granted that you have agreed to all the terms and conditions mentioned on the website.

All disputes shall be subject to the exclusive jurisdiction of the courts in Delhi.