Terms and Conditions

Welcome to insurejoy.com

(the "website ") operated by Insuregram Insurance Brokers private limited. insurejoy.com provides its services as per the following terms and conditions. Please ensure that you read all the terms and conditions about the usage of this website.

Definition of Service

insurejoy.com, provides users with information about General Insurance - Health, Car, Two-wheeler, Travel and Life Insurance products to enable comparison and procurement. You may submit your request to book your desired policy by filling in the required forms on the insurer’s website and/or on this website, and by making the payment online to the insurer.

We assist you in completing your proposal (incl. forms, documents and medical tests, if any) and on verification of the same, your proposal is underwritten by the insurance company, provided there is no missing information. The insurance company then, may accept, reject or raise an objection on your proposal, which will be communicated to you by them. It is insurejoy.com’s endeavor to have every booked policy issued; however we cannot guarantee the same. insurejoy.com will, in case of an objection or rejection, assist you in complying with or reapplying to another insurance company as the case may permit. You hereby agree that insurejoy.com may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. insurejoy.com reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from insurejoy.com through email or sms

Fees and Charges

The services offered by this website are completely FREE and do not include any hidden cost for its users

Limitations to Service

Our website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Some of these statements are generalized in an attempt to give you a summary of the insurance policies available through insurejoy.com. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase prior to purchasing that insurance policy. The product information supplied on the website is available only to Indian citizens. Except as otherwise expressly permitted in writing by us, no materials from this website or any website owned, operated, licensed or controlled by us may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without our written permission. The rates mentioned on the website may not be final or binding. In some cases, the insurance company may communicate the final rates after submission of the given premium and documentation. Further, the rates mentioned on the website are provided or verified by insurance companies. The rates are subject to change at any time and we take no responsibility of any losses in such cases. Please note that service tax is payable on insurance premium as per applicable laws and all your quoted premiums includes the same. The insurance company reserves the right to recover from the policyholder or proposer, any levies and duties (including service tax), as imposed by the government, either by premium adjustment or other forms, as deemed appropriate. Kindly refer to the proposal for the exact fees and charges.

Cancellation, Refund and Chargeback

In case you are dissatisfied with the services provided by either insurejoy.com or the insurance company, please email the insurer on the email ID mentioned in the payment confirmation email. Your refund will be processed by the insurance company as per their respective refund policies. In such cases, you will be required to communicate with them directly, although we may assist you in the process. In the case of

(a) Free look period Cancellation and Refund As per the IRDAI rules and regulations, you have the right to cancel your insurance policy within 15(fifteen) days from the date of (online) receipt of insurance policy (referred to as “Free look period”) and refund of your premium amount shall be processed as per the applicable process and procedures followed by the insurer. This Free look facility can be availed only for Life and Health insurance policies, subject to certain other terms and conditions specified by IRDAI. All customers are requested to read the insurance policy document carefully and avail the free look facility in case the terms and conditions of the insurance policy document don’t match your insurance requirements. Further, please as a user, we urge you to understand that once you place a cancellation request within the Free look period, the policy gets cancelled and the entire premium is refunded to you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and service cost like stamp duty etc. and; (iii) Charges for mortality for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer. All payments with respect to refunds as stated under this paragraph 1 shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI. You understand that insurejoy.com has tied up with RBI authorized payment gateways to allow you to make online payments towards your insurance premium amount and is only acting as a mere facilitator and providing its assistance to its customers for quick and fast refunds.

(b) Chargeback As a card holder you may dispute a transaction carried out through our Website and file a chargeback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of (i) alleged forgery of the card number / bank account or other details (ii) any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by RBI, card Associations, your card/payment instrument issuing bank etc. However, we reserve the right to reject a Chargeback, including but not limited to, under the following circumstances:

  1. In the event your medical tests or underwriting is in process with your chosen insurer, not exceeding a period of 3 months from the date of your insurance policy application
  2. In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance, not exceeding a period of 3 months from the date of your insurance policy application
  3. In case your insurance policy application is rejected by the insurer, post your medical test
  4. Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, or proceedings which may arise in connection with Chargeback initiated by you in the circumstances as specified under (a), (b) and (c) herein above.

Claim Settlement

Claim settlement is the sole responsibility and at the discretion of the insurance companies, regulated by IRDA. The settlement will take place between the customers and the respective insurance company and insurejoy.com shall not be responsible for the same in any manner. Although we may assist you in forwarding the case to the insurance company, we shall not be liable to any party involved in case the claim is declined, or honored.

Links to other websites & Third Party information

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. We may include or offer third party products or services on our website. These third party sites have separate & independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites.

Trademarks & Copyright

All trademarks, service marks, trade names, logos, icons and domain names located on this website are the property of insurejoy.com. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to insurejoy.com. All rights of insurejoy.com .com in such intellectual property rights are hereby reserved.

Software licenses

You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various rules and regulations in India. You hereby agree that you will not transfer or export such software from India (including, for example, providing such software to any foreign person or entity in India) or re-export such software outside India in violation of Indian laws and regulations. insurejoy.com does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by Indian laws and regulations.

Limitation of Liability

While insurejoy.com uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. insurejoy.com makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall insurejoy.com or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if we or our authorized representative has been advised of the possibility of such damages. In no event shall insurejoy.com 's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. We have the right to add, amend, revise suspend or cancel in whole or in part any of the services which are, or may become, part of the Website, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Jurisdiction /Legal

Unless specifically provided herein, insurejoy.com does not represent that the material contained herein is appropriate or available for use in any jurisdiction. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws. Except as specifically set forth herein, the information contained on this website is not an offer to sell any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation; purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of the Hyderabad courts only.


To the fullest extent permissible pursuant to applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied by insurejoy.com and its subsidiaries and affiliates, disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The information, software, contents, products and services included in or available through our website (insurejoy.com) may include inaccuracies, typographical errors and pricing errors. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any User communication or any content provided through the Website. insurejoy.com is not responsible for any problems or technical malfunction of any telephone network or lines, electronic networks, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the services or combination thereof, including any injury or damage to users or to any person's computer related to or resulting from participation or downloading materials concerning the Website or the services. Under no circumstances shall insurejoy.com. be responsible for any loss or damage resulting from use of the website or the services, attendance at an event organized through the website or the services, from any content posted on or through the website or the services, or from the conduct of any users of the website or the services, whether online or offline. The services are provided "AS-IS" and as available and insurejoy.com makes no representations or warranties of any kind as to the website, the services or the content thereof, including without limitation, as to availability of the website and/ or services for access and use. In particular, insurejoy.com expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and does not promise any specific results from use of the website and the services. There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on insurejoy.com is subject to it’s discretion and is likely to change without any notice. Though, any changes in public utility will be communicated on the website. It is a mutual understanding between us and the customers that their association with the website will be at the customers' sole discretion and risk.