CLAYCOVE23 INSURANCE TECH PRIVATE LIMITED
TERMS & CONDITIONS (USER AGREEMENT)

Version Updated: 15th January, 2026

Claycove23 Insurance Tech Private Limited (herein referred to as CoverSure / the Company) owns and operates the website "www.coversure.in" (herein referred to as Website / Site) and the mobile application "CoverSure" (herein referred to as App).

The words "CoverSure", "we", "our" and "us" refers to "Claycove23 Insurance Tech Private Limited". The words "you", "your" or "yours" refer to any person who is using, accessing or browsing or has used, accessed or browsed the Website and/or is using or accessing or has used or accessed any version of CoverSure mobile application ("App").

The below terms and conditions shall be applicable to the use or user of CoverSure website at www.coversure.in, as may be modified from time to time or any other website created by CoverSure ("Site") and the use or user of the App. By accessing the Site and/or the App ("Resources" / "Platform"), you agree to be bound by the following terms and conditions (hereafter referred to as 'User Agreement'), along with the terms and conditions as stated in our Privacy Policy:

Wherein you understand that:

• The Platform is developed solely for the purpose of providing useful information, convenience and value-added services. You understand and accept that the availability of the information and guidance on the Platform does not constitute a recommendation by CoverSure to Buy any /products/ and or to avail any services and You shall do your own due diligence before deciding to avail any of the services available on the Platform.


• In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, payment information, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date and you are responsible for any material you may submit via the Site and/or App, including the legality, reliability, appropriateness, originality and copyright of any such material.


• You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.


• Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.


• Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.


• You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorised activities conducted by you, as explained above, and may incur criminal or civil liability.


• You own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate any provision herein and will not cause injury to any person or entity; and that you will indemnify the Company for all claims resulting from the content you supply.


• The Company is not responsible if information made available on its Site and/or the App is not accurate, complete or current. The material on the Site and/or the App site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without any consultation or more timely sources of information. Any reliance on the material on the Site and/or the App is at your own risk.


• The Company is not responsible for prompt update of the status of your policy, you must confirm your policy status from the Insurance company/ies and the Company shall update your policy status in the intervening period of time.


• You understand and accept that not all the products and services offered on the Platform are available in all geographic areas and You may not be eligible for all the products or services offered by the Platform.


• The Company shall not be liable for any action taken by the User based on or relying on the information provided in or by the Site and/or the App.

Limited License

CoverSure grants you a limited license to access and make personal use of the Site and/or the App. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Site and/or the App, also it is not permissible to post unauthorized hypertext links or transmit any content that you do not have a right to make available (such as the intellectual property of another party); or undertaking any such activity that in CoverSure's sole discretion is an unreasonable action.

Limitation of Warranties

By using our Resources, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

• The use of our Resources will meet your needs or requirements.


• The use of our Resources will be uninterrupted, timely, secure or free from errors.


• The information obtained by using our Resources will be accurate or reliable, and


• Any defects in the operation or functionality of any Resources we provide will be repaired or corrected

Your use of the Site and/or the App is at your sole risk. The company expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the above mentioned. If you download any materials from the Site and/or the App, you do so at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such materials. No advice or information, whether oral or written, obtained by you from the company or through or from the Site and/or the App shall create any warranty of any kind. The company does not make any warranties or representations regarding the use of the materials on the Site and/or the App.

Indemnification

You agree to indemnify and hold harmless the Company and its officers, directors, employees, representatives, agents, respective directors, and assigns from and against any liability or any claim or demand, including reasonable attorney fees and court costs, made by any third party due to or arising out of content submitted by the user, user’s use of the Resources, violation of this User Agreement, breach by the user of any of the representations and warranties herein, or user’s violation of any rights of another.

Limitation of liability

Under no circumstances, including but not limited to negligence, shall the Company, its employees and directors, its suppliers and its third party advisors be liable to the User for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused arising out of or in any way connected with the use/delivery/performance of the Site and/or the App. The User agrees that the Company shall not be liable for any damages arising from interruption, suspension or termination of the Site and/or the App whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.
Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, however, in no event shall the Company’s liability to the User for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by the User, if any, for accessing the Site and/or the App.

Intellectual Property Rights

All content and materials including but not limited to text, graphics, website name, code, images and logos displayed on the Site and/or the App are registered/unregistered trademarks of the Company, its licensors or content providers, or other third parties. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any material displayed on the Site and/or the App without the owner’s prior written permission. The Company reserves all rights not expressly granted in and to the site and its content.

Payments Warranties

For any purchase of insurance policy from CoverSure platform, please note that CoverSure is only collecting or assisting in collecting the premium deposit on behalf of the insurer you have chosen to buy the policy or renew the policy. The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion of the Insurer whose policy you have chosen to buy on which CoverSure has no control in the same. All payments with respect to refunds shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI. You agree and confirm that CoverSure and or the Payment Gateway Service provider shall not be liable for any losses, damages that may be incurred by You either directly or indirectly in respect of any loss of access and/or use or interruption in the use of the Payment Mechanism due to the Maintenance Services being performed on the same.

Privacy

Your privacy is very important to us, which is why we have created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. To read our privacy policy in its entirety, please click on the Privacy Policy link on the Site and/or App.

Communications:

You expressly consent to receiving communication by way of SMS and/or E-mail or through WhatsApp from the Company or any third party in connection with the Resources or Your registration on the Site and/or App. If you are no longer interested in receiving communications and other information from us, please e-mail your request at: care@coversure.in

Changes

We reserve the right to modify the contents of the Site and/or the App at any time, but we have no obligation to update any information on the site. You agree that it is your responsibility to monitor changes thereon. Your use of the Site and/or the App constitutes agreement to all such changes. The Company may discontinue or change any product or service described or offered on the Site and/or on its App at any time.

Redressal of Grievances

If at any time you have questions or concerns with respect to the aforesaid Term & Conditions, please feel free to e-mail the Company at compliance@coversure.in or write us at below mentioned address. The Company shall seek to redress your grievance/complaint within 14 days from the date of receipt of the grievance/complaint given there exist no further information/investigation pending. While registering a grievance/complaint, you are kindly requested to quote your account details for the Company’s reference to enable it to effectively resolve your grievance/complaint.

Address: CoverSure. WeWork Enam Sambhav. C - 20, G Block Rd, G Block BKC. Bandra Kurla Complex, Bandra East. Mumbai – 400051. Maharashtra.

Auxiliary Terms for Insurance Company and Claim Process information

Disclaimer: The information about the insurance company and their claim process have been obtained from the respective insurance company’s website. We do not guarantee its completeness, timeliness, or suitability for any particular purpose. We encourage you to independently verify the accuracy and relevance of the information before making any decisions or taking any actions based on it.

Auxiliary Terms for Insurance Portfolio (Individual / Family)

Disclaimer: The policy wise details displayed under the portfolio section or family dashboard section is not intended to be exhaustive and is indicative in nature. While we make reasonable efforts to ensure the accuracy and reliability of the information provided, we do not guarantee the accuracy, adequacy or completeness of any information under the portfolio section and family dashboard section and are not responsible for any errors or omissions or for the results obtained from the use of such information. By accessing or using the portfolio or family dashboard, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Access Key / Policy Share

Disclaimer: The Access Key / Policy Share is a feature wherein the user can share his / her insurance details with family members or friends basis his / her own will. The details contained in the Report is purely based on the information provided by the user. We disclaim any liability for actions taken based on the information provided in this content.

Auxiliary Terms for CoverPro / Risk Analyser / Insurance Calculator

Disclaimer: The CoverPro / Risk Analyser (Insurance Calculator) is intended for general informational purposes only. The calculations are based on the inputs provided by the user, and any discrepancies or errors in the inputs may lead to inaccurate results. While we strive to provide accurate and up-to-date information, the information available or obtained at/through the calculator is not guaranteed or warranted in terms of completeness, correctness, accuracy, reliability or otherwise howsoever by CoverSure or its directors or employees. Insurance is subject matter of solicitation. The information obtained is not and should not be construed as an offer for a policy or any other assistance. Making informed decisions about insurance coverage requires a comprehensive understanding of your individual circumstances. We strongly recommend consulting a licensed insurance advisor for personalized advice regarding your specific financial situation or insurance requirement. By using this calculator, you acknowledge and agree to the following:

• Estimate Only: The insurance cover amounts generated by this calculator are based on the information you provide and certain assumptions. These estimates do not guarantee the actual insurance cover you will be quoted by an insurance provider. Insurance cover can vary based on a wide range of factors, including but not limited to your age, location, health status, coverage options, and the underwriting guidelines of individual insurance companies.


• No Binding Result: The results of this calculator are not binding. To receive an accurate insurance cover and premium quote, it is recommended that you contact insurance companies or a licensed insurance advisor.


• Limited Scope: This calculator may not take into account all potential factors that could impact your insurance cover. Different insurance companies may have different underwriting criteria and pricing structures, which could affect the final insurance cover and premium offered to you.

By accessing or using CoverPro, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Credit Card Insurance

Disclaimer: The details provided about credit card insurance coverage on this platform are for informational purposes only. This information is not intended to constitute financial advice, insurance advice, or legal advice. It is essential to consult with the corresponding bank or insurance company before making any decisions regarding credit card insurance or related matters.

• Scope of Coverage: The information provided may outline the general features, benefits, and terms of credit card insurance coverage. However, the actual terms and conditions of coverage may vary depending on the specific credit card, insurance provider, and jurisdiction. It is crucial to review the official insurance policy documents for accurate and up-to-date details.


• Exclusions and Limitations: Credit card insurance coverage may be subject to certain exclusions, limitations, and conditions. Not all situations or circumstances may be covered under the insurance policy. Review the policy documents carefully to understand what is covered and what is not covered by the insurance.


• Policy Changes: Insurance policies, including credit card insurance, may be subject to changes, updates, or modifications by the insurance provider. It is advisable to stay informed about any changes to the policy terms and conditions that may affect your coverage.


• Claims Process: In the event that you need to make a claim under the credit card insurance coverage, follow the procedures outlined by the insurance provider. Each insurance provider may have specific requirements for submitting claims, and failure to comply with these requirements could impact your claim's outcome.


• Accuracy and Liability: While we make reasonable efforts to ensure the accuracy and reliability of the information provided, we do not guarantee the completeness, accuracy, or reliability of the content. We are not liable for any errors, omissions, or damages arising from the use of or reliance on the information presented.

By accessing or using the credit card insurance information provided, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Know Your Policy / Pro Tip

Disclaimer: Know Your Policy / Pro Tip contains opinions and perspectives on an insurance product and is intended for informational purposes only. It is not intended as professional financial or insurance advice. The opinions expressed here are based on views basis the insurance product features, benefits, inclusions, exclusions and may vary widely based on individual policy, add-ons and factors such as age, gender, income, etc.

Any information provided in this content should not be interpreted as a recommendation or endorsement of a specific insurance product or provider.

Users are strongly advised to refer to their policy documents and the terms & conditions contained therein or consult a licensed insurance professional before making any decisions regarding insurance products. Any reliance on the information provided in this content is at your own risk.

While efforts are made to provide accurate and up-to-date information, there is no guarantee that the content reflects the most current developments in the insurance industry. We disclaim any liability for actions taken based on the information provided in this content.

Auxiliary Terms for RCP (Renewal Check Point)

Disclaimer: RCP (Renewal Checkpoint) is a pre-renewal review service that enables users to evaluate the effectiveness, relevance, and suitability of their existing insurance policy before renewal. The objective of RCP is to help users make informed decisions by assessing whether their current coverage continues to remain appropriate for their needs.

• Scope of Review: As part of RCP, CoverSure may review policy details shared by the user and provide indicative observations on policy coverage, benefits, exclusions, limitations, and overall alignment with general insurance needs. Based on this review, the possible outcomes of RCP may include continuing with the existing policy, discontinuing the policy, or porting the policy or purchasing a new insurance policy.


• Non-Advisory & Non-Binding Nature: The RCP service is facilitative and informational in nature only. Any observations, outcomes, or indications provided through RCP do not constitute financial advice, insurance advice, legal advice, or a mandatory recommendation. The final decision to continue, discontinue, port, or purchase a new policy rests solely with the user.


• User Inputs & Data Accuracy: The effectiveness assessment under RCP is based on information and documents provided by the user and, where applicable, information sourced from insurers or third-party systems. CoverSure does not guarantee the completeness, accuracy, or real-time correctness of such information and shall not be responsible for any inaccuracies, omissions, or misinterpretations arising from incorrect or incomplete inputs.


• No Guarantee of Coverage, Pricing, or Acceptance: RCP does not guarantee continuation of coverage, successful porting, acceptance by an insurer, premium rates, underwriting outcomes, or policy issuance. All such decisions are subject to the insurer’s underwriting norms and discretion.


• No Obligation or Inducement: The RCP process does not obligate the user to renew, discontinue, port, or purchase a policy through CoverSure or through any specific insurer. Any subsequent transaction is entirely voluntary.


• Claims & Continuity Risk: CoverSure shall not be responsible for any claim rejection, coverage lapse, loss of benefits, or adverse consequences resulting from the user’s renewal decisions, delayed actions, insurer timelines, or underwriting outcomes following the RCP review.


• Third-Party Dependency: Any porting, renewal, or purchase of insurance policies following RCP may involve third-party insurers or intermediaries. CoverSure does not control and shall not be liable for the actions, decisions, delays, or service quality of such third parties.


• Subscription Independence: Access to RCP may be offered as part of free or paid subscription plans. Payment of any subscription fee does not guarantee better coverage, lower premiums, insurer acceptance, or favourable claims outcomes.


• Limitation of Liability: CoverSure shall not be liable for any direct or indirect loss, damage, increased premium, lapse of coverage, missed renewal, or dissatisfaction arising from reliance on the RCP review or its outcomes.


• User Responsibility: Users remain solely responsible for evaluating RCP outcomes, making final insurance decisions, ensuring timely renewal or porting, verifying policy documents and terms, and complying with insurer and regulatory requirements.

By using RCP, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for Portfolio Review

Disclaimer: Portfolio Review is a service that enables users to review, understand, and assess their existing insurance portfolio, which may include individual and family insurance policies across life, health, motor, and other categories. The objective of Portfolio Review is to provide users with a consolidated view and indicative insights into the effectiveness, coverage structure, and relevance of their insurance portfolio.

• Informational & Facilitative Nature: The Portfolio Review service is facilitative and informational in nature only. Any insights, observations, summaries, or indications provided through Portfolio Review are intended to help users better understand their insurance portfolio and do not constitute financial advice, insurance advice, legal advice, or a mandatory recommendation.


• Scope of Review: As part of Portfolio Review, CoverSure may consolidate policy information provided by the user or sourced from third-party systems, highlight indicative gaps, overlaps, redundancies, or coverage adequacy at a high level, and present general observations on policy structure, benefits, exclusions, and tenure. The outcomes of a Portfolio Review may include suggestions to continue existing policies, discontinue certain policies, restructure coverage, or explore alternative insurance options. Such outcomes are indicative only and non-binding.


• Data Accuracy & Dependency: The Portfolio Review is based on information and documents shared by the user and, where applicable, information obtained from insurers, third-party service providers, or publicly available sources. While reasonable efforts are made to ensure accuracy, CoverSure does not guarantee the completeness, correctness, or real-time accuracy of any portfolio data or insights.


• No Guarantee of Coverage or Outcomes: Portfolio Review does not guarantee coverage adequacy, premium savings, claim acceptance, policy performance, or suitability for any specific individual circumstances. All insurance products remain subject to insurer terms, exclusions, and underwriting norms.


• No Obligation or Inducement: The Portfolio Review does not obligate the user to purchase, renew, port, modify, or discontinue any insurance policy through CoverSure or through any specific insurer. Any decision arising from the Portfolio Review remains entirely at the discretion of the user.


• Claims & Continuity: CoverSure shall not be responsible for any claim rejection, coverage lapse, loss of benefits, increased premium, or adverse consequences resulting from actions taken or not taken by the user based on Portfolio Review insights.


• Third-Party Involvement: Any subsequent insurance transaction following a Portfolio Review may involve third-party insurers, intermediaries, or service providers. CoverSure does not control and shall not be liable for their actions, service quality, decisions, or timelines.


• Subscription Independence: Access to Portfolio Review may be offered as part of free or paid subscription plans. Payment of any subscription fee does not guarantee preferential pricing, insurer acceptance, improved coverage, or favourable claim outcomes.


• Limitation of Liability: CoverSure shall not be liable for any direct or indirect loss, damage, or dissatisfaction arising from reliance on the Portfolio Review service, including inaccuracies, omissions, system limitations, or unavailability.


• User Responsibility: Users remain solely responsible for verifying policy documents and terms, assessing personal insurance needs, making final insurance decisions, and ensuring compliance with insurer and regulatory requirements.

By accessing or using the Portfolio Review service, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for Utility Payments / BBPS Payments

Disclaimer: Utility Payments / BBPS Payments is a facilitative service that enables users to view, manage, and make payments for eligible utility bills through the Bharat Bill Payment System (“BBPS”) or other authorised payment mechanisms. CoverSure acts solely as a technology platform and facilitator and does not function as a biller, payment aggregator, or settlement authority.

• Role of CoverSure: CoverSure facilitates access to BBPS-enabled billers through authorised third-party service providers. All bill details, payment confirmations, acknowledgements, and settlement of funds are managed by the respective billers, BBPS operating entities, banks, and payment service providers, in accordance with applicable regulations.


• Bill Information & Accuracy: Bill details displayed on the Platform are fetched from billers or third-party systems. While reasonable efforts are made to ensure accuracy, CoverSure does not guarantee the completeness, correctness, or real-time accuracy of bill amounts, due dates, late fees, or outstanding balances. Users are advised to verify bill details with the respective biller prior to making payments.


• Payment Processing & Settlement: Payments initiated through the Platform are processed through BBPS and/or authorised payment gateways. Successful payment status is subject to confirmation from the biller and BBPS network. CoverSure shall not be responsible for delays, failures, reversals, duplicate payments, or settlement issues arising due to system errors, technical failures, bank delays, or third-party service provider issues.


• Refunds & Reversals: Any refunds, chargebacks, or reversals shall be governed by the policies of the respective biller, BBPS guidelines, banks, or payment service providers. CoverSure does not independently process refunds and shall not be liable for timelines or outcomes related to such refunds or reversals.


• Service Availability: Utility Payments / BBPS services may be subject to downtime, maintenance, or technical disruptions beyond the control of CoverSure. CoverSure does not guarantee uninterrupted availability of utility payment services and shall not be liable for any loss arising from service unavailability.


• No Advisory or Guarantee: CoverSure does not provide any advice, recommendations, or guarantees regarding bill payments, dues, penalty avoidance, or service continuation. Payment of bills through the Platform does not guarantee prevention of disconnection, penalties, or disputes with the biller.


• Third-Party Dependency: Utility Payments involve third-party billers, BBPS operating units, banks, and payment service providers. CoverSure does not control and shall not be responsible for their actions, service quality, billing practices, or dispute resolution mechanisms.


• Subscription Independence: Access to Utility Payments / BBPS Payments may be offered as part of free or paid subscription plans. Payment of any subscription fee does not affect biller terms, priority, settlement timelines, or dispute outcomes.


• Limitation of Liability: CoverSure shall not be liable for any direct or indirect loss, penalty, service disruption, interest, late fees, or damages arising from incorrect bill information, delayed or failed payments, technical or system issues, or actions or omissions of billers or third-party service providers.


• User Responsibility: Users remain solely responsible for verifying bill details, ensuring timely payments, monitoring payment confirmations, and resolving disputes directly with the biller or payment service provider.

By using the Utility Payments / BBPS Payments service, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for Wellness Services

Disclaimer: Wellness services available on the CoverSure platform (“Wellness Services”) are provided by third-party service providers and are made available to users on a white-label basis for convenience and engagement purposes. CoverSure acts solely as a technology platform and facilitator and does not itself provide medical, health, fitness, diagnostic, counselling, or wellness services.

• Role of CoverSure: CoverSure does not control, operate, supervise, or deliver the Wellness Services. All wellness programs, consultations, assessments, recommendations, reports, content, tools, and features are designed, managed, and delivered exclusively by the respective third-party wellness service provider in accordance with their applicable terms, policies, and professional standards.


• Non-Medical & Non-Clinical Nature: Unless explicitly stated otherwise by the third-party provider, Wellness Services are intended for general wellness, preventive, and lifestyle support purposes only. The Wellness Services do not constitute medical advice, diagnosis, treatment, or substitute for professional healthcare services. Users are advised to consult a qualified medical professional before acting on any wellness information or recommendations.


• Data Accuracy & User Inputs: Any wellness insights, assessments, or outputs are based on information provided by the user and/or processed by the third-party service provider. CoverSure does not guarantee the accuracy, completeness, or reliability of any wellness-related information, results, or recommendations.


• No Guarantee of Outcomes: CoverSure does not guarantee any health outcomes, fitness improvements, wellness benefits, or results arising from the use of Wellness Services. Individual results may vary based on multiple factors including health conditions, adherence, and personal circumstances.


• Third-Party Dependency & Liability: All interactions, services, recommendations, and outcomes arising from the Wellness Services are strictly between the user and the third-party wellness service provider. CoverSure shall not be liable for any acts, omissions, negligence, errors, service deficiencies, or outcomes arising from the Wellness Services.


• Service Availability: Availability, continuity, and quality of Wellness Services are subject to the third-party provider’s systems, resources, and operational policies. CoverSure does not guarantee uninterrupted or error-free access to Wellness Services and shall not be liable for service interruptions, delays, or discontinuation.


• Subscription Independence: Access to Wellness Services may be offered as part of free or paid subscription plans on the CoverSure platform. Payment of any subscription fee does not guarantee access to specific wellness services, availability of providers, service levels, or outcomes.


• Data Sharing & Privacy: Use of Wellness Services may require sharing personal, health-related, or lifestyle information with the third-party wellness service provider. Such data sharing is governed by the privacy policy and data practices of the respective service provider. CoverSure’s role in data processing is limited to facilitating platform access, subject to its Privacy Policy.


• Limitation of Liability: CoverSure shall not be liable for any loss, injury, health condition, dissatisfaction, or damages arising from reliance on wellness content or recommendations, actions taken based on Wellness Services, service quality or outcomes provided by third-party providers, or data inaccuracies or service interruptions.


• User Responsibility: Users remain solely responsible for assessing the suitability of Wellness Services, consulting healthcare professionals when required, verifying recommendations before implementation, and complying with the third-party provider’s terms and guidelines.

By accessing or using the Wellness Services on the CoverSure platform, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for Group Insurance (Master Policyholder Model)

Disclaimer: Group insurance products made available on the CoverSure platform (“Group Insurance”) are issued by one or more registered insurance companies (“Insurers”), where CoverSure acts as the Master Policyholder under the applicable group insurance policy. Individual users are enrolled as members or beneficiaries of the group policy, subject to the terms and conditions of the respective insurer’s policy document.

• Role of CoverSure: CoverSure’s role as the Master Policyholder is limited to facilitating group policy administration, member enrolment, communication, and access to policy-related information. CoverSure does not act as an insurer and does not assume insurance risk. All coverage, benefits, exclusions, underwriting decisions, and claim settlements are governed solely by the terms of the group insurance policy issued by the Insurer.


• Policy Governance & Terms: Group Insurance coverage is subject to the master policy terms, certificate of insurance, policy schedules, endorsements, and exclusions issued by the Insurer. In the event of any inconsistency between information displayed on the Platform and the insurer-issued policy documents, the insurer’s policy documents shall prevail.


• Enrolment & Eligibility: Enrolment under Group Insurance is subject to eligibility criteria, enrolment timelines, disclosures, and documentation requirements prescribed by the Insurer. CoverSure does not guarantee enrolment, continuation of coverage, or eligibility under the group policy.


• Coverage & Continuity: Coverage under Group Insurance is valid only for the period specified in the group policy and is subject to timely payment of premiums, compliance with policy conditions, and continued existence of the group policy. Termination, non-renewal, or modification of the group policy by the Insurer or due to regulatory or commercial reasons may impact member coverage.


• Claims & Settlement: All claims under Group Insurance shall be assessed, processed, approved, or rejected solely by the Insurer in accordance with the policy terms and applicable laws. Any claim-related assistance provided by CoverSure is facilitative in nature only. CoverSure shall not be responsible for claim outcomes, timelines, or decisions.


• No Individual Policy Rights: Membership under Group Insurance does not create an individual insurance contract between the user and CoverSure. Insurance coverage arises exclusively from the group policy issued by the Insurer, and users do not acquire independent policyholder rights unless explicitly stated by the Insurer.


• Insurer Discretion & Policy Changes: The Insurer reserves the right to modify, renew, discontinue, or replace the group policy, including changes to premiums, coverage, benefits, exclusions, or eligibility criteria, subject to applicable law and regulatory approvals. CoverSure shall not be liable for such changes.


• Portability & Conversion: Portability or conversion to an individual policy, if permitted, shall be governed entirely by the Insurer’s rules and applicable regulations. CoverSure does not guarantee portability, conversion, continuity of benefits, or premium parity.


• Multiple Insurers: Group Insurance offerings may involve multiple Insurers across different products. Coverage terms, benefits, exclusions, claims processes, and service levels may vary across Insurers. CoverSure does not guarantee uniformity across group insurance products.


• Subscription Independence: Access to Group Insurance may be bundled with free or paid subscription plans. Payment of any subscription fee does not guarantee coverage, claims acceptance, insurer selection, or enhanced benefits.


• Limitation of Liability: CoverSure shall not be liable for any loss, damage, claim rejection, coverage limitation, delay, or dispute arising from insurer decisions or actions, interpretation of policy terms, termination or modification of the group policy, or regulatory or legal changes affecting group insurance.


• User Responsibility: Users are responsible for reviewing insurer-issued policy documents, understanding coverage, exclusions, and conditions, complying with claim and disclosure requirements, and ensuring timely communication for enrolment or claims.

By enrolling in or accessing Group Insurance through the CoverSure platform, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for After Life Service

Disclaimer: After Life Service is a facilitative support service intended to assist nominees, legal heirs, or authorized representatives in navigating insurance-related and allied processes following the death of a policyholder. The service is designed to provide guidance, coordination, and information support during a difficult time.

• Facilitative & Non-Advisory Nature: After Life Service is facilitative in nature only. Any assistance, guidance, checklists, or information provided through this service does not constitute legal advice, financial advice, tax advice, succession advice, or professional estate planning services. Users are advised to consult qualified professionals for legal, financial, or succession-related matters.


• Scope of Assistance: As part of After Life Service, CoverSure may assist with identifying applicable insurance policies linked to the deceased, explaining claim processes and documentation requirements at a general level, facilitating communication with insurers or third-party service providers, and providing indicative guidance on next steps related to insurance, nominations, or benefits. CoverSure does not guarantee claim settlement, timelines, benefit amounts, or acceptance of documents.


• Claims & Insurer Authority: All insurance claims arising after the death of a policyholder are assessed, processed, approved, or rejected solely by the respective insurer in accordance with the policy terms, underwriting guidelines, and applicable laws. Any claim-related support provided by CoverSure is facilitative only, and CoverSure shall not be responsible for claim outcomes or insurer decisions.


• Data & Documentation Dependency: After Life Service relies on information and documents provided by nominees, legal heirs, insurers, or third parties. CoverSure does not verify the authenticity, legality, or completeness of documents and shall not be responsible for errors, omissions, delays, or disputes arising from incorrect or incomplete documentation.


• No Determination of Legal Rights: CoverSure does not determine legal heirship, nominee validity, entitlement, succession rights, or dispute resolution among claimants. Any dispute relating to entitlement, nomination, succession, or ownership shall be resolved solely between the concerned parties and/or through appropriate legal processes.


• Third-Party Services: Certain services offered under After Life Service may involve third-party insurers, service providers, or professionals. CoverSure does not control or assume responsibility for the quality, accuracy, timelines, or outcomes of services provided by such third parties.


• Service Availability: Availability and scope of After Life Service may vary based on insurer processes, regulatory requirements, and third-party dependencies. CoverSure does not guarantee uninterrupted or time-bound support and may modify or discontinue the service without prior notice.


• Subscription Independence: Access to After Life Service may be offered as part of free or paid subscription plans. Payment of any subscription fee does not guarantee claim settlement, faster processing, preferential treatment, or favourable outcomes.


• Limitation of Liability: CoverSure shall not be liable for any loss, delay, rejection, dispute, emotional distress, or damages arising from insurer claim decisions, documentation issues or disputes among claimants, legal or succession complexities, reliance on information provided through After Life Service, or actions or omissions of third parties.


• User Responsibility: Users availing After Life Service are responsible for providing accurate and complete information, submitting documents within insurer timelines, resolving legal or succession disputes independently, and reviewing insurer communications and policy documents carefully.

By accessing or using After Life Service, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for Zero Fee Renewal

Disclaimer: Zero Fee Renewal is a facilitative service offered by CoverSure that enables users to renew eligible insurance policies by making renewal payments through authorised payment mechanisms, including the Bharat Bill Payment System (“BBPS”). Under this service, CoverSure may waive transaction or payment gateway fees for certain renewal transactions, subject to applicable limits and conditions.

• Fee Structure & Applicability: CoverSure does not generally charge any service fee, convenience fee, or payment gateway fee for eligible renewal transactions under Zero Fee Renewal. However, CoverSure reserves the right to levy a fee for renewal transactions exceeding specified value thresholds, certain categories of transactions, specific payment modes, or other conditions as may be determined from time to time. Such thresholds, fee structures, and conditions may be revised, introduced, or withdrawn at CoverSure’s discretion and shall be communicated to users through the Platform prior to the transaction.


• Insurer Charges & Policy Terms: Any fee charged by CoverSure is independent of and in addition to premiums, taxes, late fees, penalties, or other charges imposed by the insurer. All insurance-related charges remain governed solely by the insurer’s policy documents and applicable regulations.


• Payment Processing & Confirmation: Renewal payments made through Zero Fee Renewal are processed via BBPS and/or authorised payment service providers. Successful renewal is subject to confirmation and acceptance by the insurer. CoverSure does not guarantee real-time policy renewal, issuance, or continuity of coverage.


• No Guarantee of Renewal or Coverage Continuity: Zero Fee Renewal does not guarantee acceptance of renewal, reinstatement of lapsed policies, continuity of coverage, or avoidance of waiting periods, exclusions, or underwriting conditions. All renewal decisions remain solely at the discretion of the insurer.


• Refunds & Reversals: Any refunds or reversals related to renewal payments shall be governed by the insurer’s and BBPS guidelines. Fees, if any, charged by CoverSure may be non-refundable unless required by applicable law or expressly stated otherwise.


• Third-Party Dependency: Zero Fee Renewal relies on third-party insurers, BBPS operating units, banks, and payment service providers. CoverSure shall not be responsible for delays, failures, incorrect postings, or technical issues arising from third-party systems or services.


• No Advisory or Inducement: Zero Fee Renewal is a payment facilitation feature only and does not constitute insurance advice, a renewal recommendation, or an inducement. The availability of Zero Fee Renewal does not obligate the user to renew a policy through CoverSure or through any specific insurer.


• Subscription Independence: Zero Fee Renewal may be available to free or paid users. Payment of any subscription fee does not guarantee eligibility for fee waivers, faster processing, or preferential treatment.


• Limitation of Liability: CoverSure shall not be liable for any loss, delay, lapse of coverage, interest, penalty, claim impact, or damages arising from delayed or failed renewal payments, insurer processing timelines, fee applicability based on transaction thresholds, or actions or omissions of insurers or payment service providers.


• User Responsibility: Users remain solely responsible for reviewing applicable fees, if any, before initiating payment, verifying renewal premiums and due dates, ensuring timely payment, and confirming renewal status with the insurer.

By using the Zero Fee Renewal service, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer.

Auxiliary Terms for SOS / Emergency Services

Disclaimer:

• No Guarantee of Service: While we strive to ensure the accuracy and availability of the emergency services offered on our platform, we cannot guarantee that the services will always be available or that they will meet your needs.


• Accuracy of Information: The information provided through our platform, including locations of hospitals, ambulance service providers, garages, petrol pumps, insurance details, and helpline numbers, is for general informational purposes only. We do not warrant the completeness, accuracy, or reliability of this information.


• Third-Party Services: Many of the services listed on our platform are provided by third-party vendors. We do not endorse, control, or assume responsibility for these third-party services, their quality, safety, availability, or any interactions you may have with them.


• Permission for Location Sharing: Your location will only be shared with your family members or emergency service providers if you have granted permission for such sharing. It is your responsibility to ensure that your location permissions are set according to your preferences.


• Emergency Situations: In an emergency, always call your local emergency services number immediately. Our platform is not a substitute for emergency medical, fire, or law enforcement services.


• Liability: We are not liable for any loss, injury, or damage resulting from the use of our platform or the emergency services listed on it. This includes but is not limited to direct, indirect, incidental, punitive, and consequential damages.

Auxiliary Terms for Motor Club

Applicable to all Users who use Motor Club services on CoverSure App.

Disclaimer:

• You will have to link your vehicle to start using Motor Club. By doing so, you agree to allow Motor Club to automatically retrieve your vehicle’s registration details (including PUC, Fastag, any pending challans, etc.), using information through publicly available sources like government services (e.g., Parivahan), via third-party providers, etc. You also agree to review and verify these details when you access Motor Club.


• Additionally, you authorize Motor Club to request further details from third parties to enhance your experience and offer personalized services.


• You grant permission for your information (including vehicle data) to be shared with Motor Club affiliates, partners, and third-party service providers for delivering additional services linked to Motor Club.


• You confirm that your use of Motor Club is lawful, honest, and fair. Any information you upload to the Motor Club is your responsibility, and you ensure it is accurate.


• You agree that only vehicles owned by you will be registered on Motor Club. Should you upload details of vehicles that are not yours, you accept full responsibility, including any consequences from the actual owners.


• Motor Club and its associated partners will not be held accountable for any incorrect data you provide. In the event someone else uploads your vehicle’s information to Motor Club without your consent, Motor Club and its partners are not liable. However, if this occurs, you can reach out to customer support through the CoverSure app for assistance.


• Motor Club provides information and services related to your vehicle for convenience purposes only. While we strive to keep all details up-to-date, we do not guarantee the accuracy or completeness of the data, including but not limited to vehicle registration details, service records, and challans. You should independently verify any critical information before making decisions based on it.


• Motor Club may offer recommendations for third-party services, such as insurance, repairs, or maintenance. These recommendations are purely advisory, and Motor Club is not responsible for the quality, performance, or outcomes of services rendered by third parties. Any agreements or disputes between you and third-party providers are strictly between you and them.


• Some services or features of the Motor Club may only be available to users in certain regions or based on specific eligibility criteria. Motor Club reserves the right to modify, suspend, or discontinue any feature or service without prior notice.


• Motor Club offers access to certain promotional offers, discounts, and deals through its partners. These offers are subject to terms and conditions, may have expiration dates, and could be withdrawn or changed at any time without notice. Motor Club will not be liable for any loss arising from the unavailability of these offers.


• Motor Club collects, stores, and uses your vehicle information to provide personalized services, such as maintenance alerts, service reminders, and relevant offers. However, the responsibility for keeping your vehicle in compliance with government regulations, such as timely servicing, pollution checks, and other legal requirements, rests solely with you.


• Motor Club services may experience downtime due to maintenance, updates, or unforeseen technical issues. Motor Club is not liable for any losses or inconveniences that may arise from the unavailability of its services during such periods.


• Motor Club does not guarantee vehicle safety or performance based on the services or advice provided through its platform. Any actions you take regarding your vehicle are at your own discretion and risk.