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Legal Disclaimer

The contents of this site, including but not limited to the text, graphics, images herein and their arrangement, belongs to and is the property of Aditya Birla Insurance Brokers Ltd.(ABIBL). ABIBL has launched this website to provide general information for its users. We request you to read the conditions before using this site as ABIBL can at any time and at its sole discretion modify the terms and conditions contained herein. By using this website, you consent to be bound by the terms and conditions of use without limitation or qualification.

ABIBL allows the use of information available on this site only for your personal or informational and non-commercial purposes and not for being copied or posted on any network computer or to broadcast in or any form of media. ABIBL will not be responsible or liable for the accuracy, reliability, copyright, compliance, legality or decency of any content or any interruption in service. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

No Warranties

This website, information and materials on the site, and any software made available on the web site, are provided "as is" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose or warranty of any kind, express or implied, regarding third party content. In spite of ABIBL's best endeavours, there is no warranty of the web site being free of any computer viruses.

Nothing on this website should be construed or treated as legal advice. Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date. To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

Limitation Of Damages

In no event shall ABIBL or any of its subsidiaries or affiliates be liable to any entity and/or individual for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of this web site or any linked web site, even if ABIBL is expressly advised of the possibility of such damages.

Unlawful Use Of This Web Site

We reserve the right to investigate complaints or reported violations of this website and to take any action as deemed appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons, or entities relating to users profiles, e-mails, addresses, usage history, posted materials, IP addresses etc.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions below.

You must not (save in accordance with the express terms of our download agreement): (a) republish material from this web site; (b) sell, rent or otherwise sub-license material from the website; (c) show any material from the website in public; (d) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose; (e) edit or otherwise modify any material on the website; or (f) redistribute material from this website.

Governing Law And Jurisdiction

ABIBL intends to provide clear and unbiased information about insurance products and services and information on the website should not be construed as technical advice of any manner. By viewing it you are deemed to agree to jurisdiction of the courts at Mumbai, India in respect of any action arising there from or related thereto.

Ownership, License And Restrictions On Use

All right, title and interest (including all copyrights, trademarks and other intellectual property rights) in this site belong to us. We grant you a non-transferable, limited license to view and use this site only for your personal information, education or other non-commercial use. No part of this site may be reproduced, republished, copied, transmitted, or distribute in any manner without our express written permission.


While visiting our Web site(s), you may leave the site and access certain sites other than ABIBL’s, such as web sites of ABIBL’s affiliates or third party vendors, etc. We do not endorse, and are not responsible for the content and accuracy of these sites. We also do not warrant that these sites are free from any claims of copyright, trademark, or other infringement of the rights of third parties, or that such sites are free of computer viruses.

This disclaimer (together with our privacy policy and terms and conditions) constitutes the entire agreement between you and us in relation to your use of our website, and supersedes all previous agreements in respect of your use of this website.

Scope of the legal disclaimer

Wherever a reference of this disclaimer has been provided by ABIBL with or without the web-link, the user/reader is expected to take complete cognizance of the disclaimer and its applicability as to the subject matter where such reference is provided.

Product Related disclaimers

Insurance Cover -

Insurance related information should not be considered exhaustive and the user should read and understand the product information, including the scope of cover, terms, conditions, exclusions, limitations and other risk factors carefully. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

Claims –

Admission and settlement of insurance claim is the sole discretion the Insurer. ABIBL shall only assist the client in management and documentation of claims. As a condition for providing this information, you agree that neither ABIBL nor any other person shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained herein. ABIBL will not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise.

Insurance is a subject matter of solicitation.

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