1. Acceptance of Terms
By accessing or using policyaid.co.in (the "Website"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the Website.
2. About Policy Aid
Policy Aid is operated by Vikash Aggarwal, an IRDAI-licensed insurance agent based in Mumbai, India. The Website provides information, comparisons and quotes for health, motor, travel and property insurance products from various IRDAI-approved insurers, and helps facilitate the purchase of policies.
3. Nature of Services
- Policy Aid acts as an insurance agent/intermediary and does not underwrite any insurance policy.
- All policies are issued by the respective insurance companies, subject to their terms, conditions, exclusions and underwriting decisions.
- Premiums, plan features and comparisons shown on this Website are indicative and may change without notice. Always refer to the official policy document (policy wording) for final terms.
- We strive to keep information accurate and up to date, but we do not guarantee that all content is error-free or current at all times.
4. Use of the Website
You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use of, this Website by any third party. You agree not to:
- Submit false or misleading information when requesting a quote or policy
- Attempt to gain unauthorised access to any part of the Website or its systems
- Use any automated means (bots, scrapers) to access the Website without our consent
5. No Investment or Legal Advice
Content on this Website is for general informational purposes only and does not constitute financial, legal or investment advice. You should review policy documents carefully and consult our advisors before making any insurance decision.
6. Intellectual Property
All content on this Website — including text, graphics, logos and design — is the property of Policy Aid or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute or create derivative works without our prior written consent.
7. Third-Party Links
This Website may contain links to third-party websites (e.g. insurer websites, WhatsApp). We are not responsible for the content, privacy practices or terms of any third-party site.
8. Limitation of Liability
To the maximum extent permitted by law, Policy Aid shall not be liable for any direct, indirect, incidental or consequential loss arising from your use of this Website or reliance on information provided here. Claim outcomes, premiums and policy benefits are determined solely by the respective insurance company.
9. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.
10. Changes to These Terms
We may update these Terms of Use from time to time. Continued use of the Website after changes are posted constitutes your acceptance of the revised terms.
11. Contact Us
For any questions about these Terms of Use, contact us at: