1. Terms & Conditions
Last Updated: [23/11/2025]
Welcome to Emrik Insurance. By accessing or using our website, services, or products, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree with these terms, please discontinue use of our services.
1. Use of Website
You agree to use this website for lawful purposes only.
You may not attempt to gain unauthorized access to any part of the website.
2. Insurance Services
All insurance products are underwritten by approved insurance companies.
Quotes provided on our website are indicative and subject to verification and underwriting approval.
3. User Responsibilities
You agree to provide accurate, complete, and truthful information when applying for any insurance service.
You are responsible for maintaining the confidentiality of your account details.
4. Intellectual Property
All content on this website—including text, graphics, logos, and images—is owned by Emrik Insurance or its licensors. You may not reproduce or distribute any content without permission.
5. Limitation of Liability
Emrik Insurance shall not be liable for any direct, indirect, or consequential losses arising from the use of our website or services.
6. Changes to Terms
We may update these Terms at any time. Continued use of the website signifies acceptance of the updated terms.
2. Privacy Policy
This Privacy Policy explains how Emrik Insurance collects, uses, and protects your personal information.
1. Information We Collect
Personal details (name, email, phone, ID number)
Insurance information (vehicle details, property details, claims history)
Website usage data (cookies, IP address, device type)
2. How We Use Your Information
We use your information to:
Provide insurance quotes
Process applications and claims
Improve our services and customer experience
Communicate updates, offers, or policy-related information
3. Data Protection
We implement industry-standard security measures to protect your data from unauthorized access.
4. Sharing of Information
We may share your information with:
Insurance underwriters
Regulatory authorities (where required by law)
Trusted service providers assisting in service delivery
We do not sell your data to third parties.
5. Your Rights
You may request:
Access to your personal data
Correction or deletion of your data
Restriction of processing
6. Cookies
We use cookies to improve website performance and user experience.
3. Refund & Cancellation Policy
1. Policy Purchases
Payments made for insurance policies are subject to underwriting approval.
2. Refunds
Refunds may be issued only under the following conditions:
Overpayment
Policy cancellation before activation
Failure of underwriting approval
Approved refunds will be processed within 7–14 business days.
3. Policy Cancellation
You may cancel your policy by contacting our team atÂ
Cancellation is subject to the insurer’s terms, including any applicable fees.
4. Cookie Policy
1. What Are Cookies?
Cookies are small files stored on your device that help improve your browsing experience.
2. Types of Cookies We Use
Essential cookies (site functionality)
Performance cookies (analytics)
Marketing cookies (ads & personalization)
3. Managing Cookies
You can adjust your cookie preferences in your browser settings.
5. Legal Disclaimer
The information on this website is provided for general purposes only and does not constitute financial or legal advice.
Insurance products listed are subject to terms, conditions, and underwriting assessment.
Emrik Insurance is not responsible for errors, omissions, or actions taken based on information provided on this website.
