Phone: +372 53835142
Terms & Conditions
1. General information
1.1 This portal is a public website (hereinafter referred to as the Portal), whose activities and insurance services are provided by insurance broker ZRV Solutions OÜ (hereinafter referred to as the Company), registration number 16991429. Legal address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151; phone: +372 53835142.
1.2 The portal is intended for distribution of insurance services. The terms, conditions and restrictions on the use of available services are binding for all its visitors and/or users (hereinafter referred to as the User or Client).
1.3 Before using the Portal, the User must familiarize himself/herself with the rules of use and confirm that he/she is aware of the processing of personal data by ticking the appropriate box. If the User does not agree with the rules, he/she is not entitled to continue using the Website. Staying on the Website does not create a contractual relationship; the User is entitled to leave the Website at any time.
1.4 The Portal and its contents have been created to facilitate quick and quality access to the necessary information. The Company reserves the right to change the content of the Portal and the rules of its use by publishing them on the Portal. The Company also has the right to place links to partner websites and other Internet resources, the content of which is the responsibility of the managers of these sites.
1.5 The Company does not guarantee uninterrupted operation of the Portal, as well as is not responsible for errors and/or failures in operation of IT systems of insurance companies and partners (including, but not limited to, failures in operation of the insurance companies, payment processing systems and/or software).
2. Terms and conditions of payment, registration and delivery of insurance policies
2.1 On the Portal it is possible to order OCTA and CASCO policies from the Company's partners.
2.2 When ordering a OCTA insurance policy, the User must provide all necessary information requested on the Portal.
2.3 The Company shall not be liable for incorrect, inaccurate, erroneous or misleading information entered by the User (e.g. phone number, e-mail address, outdated vehicle registration data, OCTA policy start date).
2.4 The premium (cost) of the insurance policy shall be determined by each insurance company. Exceptions are cases when Webservices of insurance companies do not support the issuance of OCTA policies, for example, if a discount for disabled persons is applicable or the vehicle is insured on the basis of a certificate of invoice or purchase documents. In such cases, the User should contact the Company's insurance specialist at +372 53835142.
2.5 OCTA policies ordered on the Portal can be paid for:
2.5.1. by transfer, paying the issued prepayment invoice (the invoice is prepared electronically and sent to the e-mail address specified by the User); the insurance policy is issued only after the actual receipt of money to the Company's bank account. The receipt of money is checked twice a day on working days (at 12:00 and 17:00). If the order of the OCTA policy is made on a working day after 17:30, on a weekend or a holiday, the order data can be processed and the OCTA policy is issued not earlier than the next working day (working hours from 09:00 to 18:00);
2.6 The issued policy is sent to the User's e-mail address specified in the order.
2.7 The final cost of the policy is set by the insurance company at the time of its registration; in exceptional cases it may differ from the one indicated on the Portal. In such cases, the Company specialist will notify the User of the changes before the policy is issued. The Portal reserves the right to unilaterally cancel erroneously issued invoices and insurance policies.
2.8 If the order of OCTA insurance policy cannot be fulfilled, the specialist of the Website will contact the User and inform him/her about the reason of non-fulfillment of the order. In case of impossibility to execute the OCTA insurance policy, the paid insurance premium exceeding 1.00 euro is automatically returned (without a written application of the User) to the bank account, from which the payment for the order was made, within 10 working days.
2.9 If the value of the OCTA policy issued on the Portal is less than the value paid by the User (e.g. according to the order on the Portal, the insurance premium of the OCTA policy is less than the User's payment to the Company's account) or the User has mistakenly paid for several OCTA policy orders for the same vehicle, the difference between the amount paid by the User and the value of the issued OCTA policy exceeding EUR 1.00 shall be refunded to the bank account from which the payment for the OCTA policy order was made within 10 working days from the date of issuing the policy
2.10. A written application of the User for refund of overpayment for ordering a OCTA insurance policy is required in the following cases:
2.10.1. the amount of overpayment is EUR 1.00 or less;
2.10.2. the User wishes to return the money to another bank account;
2.10.3. the overpayment has occurred as a result of a reduction in the insurance premium (cost), if the payment was made by debit or credit card.
2.11. A OCTA insurance contract concluded by remote means (internet, email, etc.), the insurance period of which is not less than one month and the policyholder is a natural person (consumer), may be terminated using the right of withdrawal within 14 days of the conclusion of the insurance contract by notifying in writing the insurance company from which the OCTA insurance policy was concluded.
3. Special conditions
3.1 By submitting personal data, e-mail address, postal address and/or telephone number to the Portal, the User agrees to receive reminders about policy expiration dates and information about news and changes on the Portal, as well as other commercial and/or informational mailings.
3.2 The User, by marking on the Portal that he/she has read the terms of use of the Portal, confirms that he/she understands and agrees with them.
3.3 When approaching the beginning or end of the insurance period, the User is obliged to independently check the validity of the insurance policy, regardless of the fact of receiving or not receiving a confirmation or reminder. The Company shall not be liable for any losses that may arise or have arisen due to the invalidity of the insurance policy.
3.4 In case of changes in the registration data of the vehicle, the User, Policyholder, owner or holder of the vehicle shall immediately notify the Company about the changes by phone +372 53835142.
3.5. If the User, policyholder, owner or holder of the vehicle has not notified the Company about changes in the registration data of the vehicle in the manner specified in clause 3.4 of the Regulations for the use of the Website, the system of the Website will consider that the vehicle has been sold and will stop sending reminders.
3.6 The Company has the right to unilaterally cancel erroneously issued invoices.
3.7 All intellectual property rights related to the Portal belong exclusively to the Company. Copying, reproduction, distribution and storage of the Portal content without the Company's permission is prohibited and shall be prosecuted according to the procedure provided for by the Estonian legislation.
4. Exceptions and limitations
4.1 The information presented on the Portal has been carefully checked and selected to achieve the main purpose of the Portal - to provide insurance distribution services to the Users of the Portal. However, the Portal and the Company shall not be liable for any errors or defects that may occur in the content of the Portal.
4.2 The Portal and the Company are not responsible for actions performed on behalf of the User by third parties using the User's personal data and contact information.
4.3. The Portal and the Company shall not be liable for any losses or expenses that have been incurred or may be incurred in the future by the User of the Portal, the owner of the vehicle, or any third party in the following cases:
4.3.1. Due to damage to property and/or health.
4.3.2. Due to technical errors and/or software failures, including but not limited to failures of insurance companies' systems, payment systems and/or software.
4.3.3 When the Portal User enters erroneous, inaccurate, incorrect or misleading information.
4.3.4 If the User of the Website indicates an incorrect date of the beginning of validity of the CMTPL insurance policy.
4.3.5 In case of untimely issuance of the OCTA insurance policy.
4.3.6. In connection with the imposition of a fine for driving without a OCTA policy, if the User of the Website, the owner of the vehicle or any third party fails to comply with the validity period specified in the OCTA policy.
4.3.7. In connection with failure to notify of early termination of the insurance contract in accordance with the Law on Compulsory Third Party Liability Insurance of Owners of Inland Motor Vehicles.
5. Information on the Company's activities as an insurance broker.
The insurance broker is obliged to provide the following information to the Client prior to conclusion of the insurance contract:
5.1 Insurance distribution services are provided by insurance broker ZRV Solutions OÜ, registration number 16991429. Legal address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151; phone: +372 53835142.
5.2 The Company has no direct or indirect interest in any insurance undertaking or foreign insurance company that has opened a branch in the Republic of Estonia. No insurance undertaking, its parent company or a foreign insurance company that has opened a branch in the Republic of Estonia has any direct or indirect interest in the Company.
5.3 The Company provides recommendations on insurance products available for sale. As an insurance broker, the Securities Broker distributes insurance exclusively on behalf of and in the interests of the Client.
5.4 The Company prepares insurance offers and recommends the most advantageous insurance products to the User and the Client based on a comprehensive analysis of the offers. With regard to OCTA insurance, the Company recommends the most favorable offer based on the lowest price of the insurance policy.
5.5 The Company has no contractual obligation to distribute insurance exclusively for the benefit of one or more specific insurance merchants or branches of foreign insurers.
5.6 No additional service, payment processing and policy issuance fees are charged to the User and the Client. The Company's remuneration for insurance distribution is included in the insurance premium. The insurance premium and the amount of the Company's remuneration shall be set by the insurance company. The Company's remuneration is expressed as a percentage of the actually paid insurance premium.
5.7 Any person has the right to submit a complaint about the Company's actions in a pre-trial procedure in writing by post to the address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151, or verbally by phone at +372 53835142. Complaint handling is free of charge. The Company shall examine the complaint in accordance with the provisions of the Insurance and Reinsurance Coverage Act and provide a reasoned written reply within 20 days from the date of submission of the complaint.
6. Data protection, processing of personal data and confidentiality of information
6.1. All information received about the User of the Website when making payments and orders on the Website, including personal data, telephone numbers, e-mail addresses, car registration data, will be used and processed in accordance with the legislation of the Republic of Estonia.
6.2 By giving the Company his/her e-mail, postal address and/or phone number, the User of the Website agrees to receive reminders about policy expiration dates and information about news and changes on the Website or the Company's services.
1.1 This portal is a public website (hereinafter referred to as the Portal), whose activities and insurance services are provided by insurance broker ZRV Solutions OÜ (hereinafter referred to as the Company), registration number 16991429. Legal address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151; phone: +372 53835142.
1.2 The portal is intended for distribution of insurance services. The terms, conditions and restrictions on the use of available services are binding for all its visitors and/or users (hereinafter referred to as the User or Client).
1.3 Before using the Portal, the User must familiarize himself/herself with the rules of use and confirm that he/she is aware of the processing of personal data by ticking the appropriate box. If the User does not agree with the rules, he/she is not entitled to continue using the Website. Staying on the Website does not create a contractual relationship; the User is entitled to leave the Website at any time.
1.4 The Portal and its contents have been created to facilitate quick and quality access to the necessary information. The Company reserves the right to change the content of the Portal and the rules of its use by publishing them on the Portal. The Company also has the right to place links to partner websites and other Internet resources, the content of which is the responsibility of the managers of these sites.
1.5 The Company does not guarantee uninterrupted operation of the Portal, as well as is not responsible for errors and/or failures in operation of IT systems of insurance companies and partners (including, but not limited to, failures in operation of the insurance companies, payment processing systems and/or software).
2. Terms and conditions of payment, registration and delivery of insurance policies
2.1 On the Portal it is possible to order OCTA and CASCO policies from the Company's partners.
2.2 When ordering a OCTA insurance policy, the User must provide all necessary information requested on the Portal.
2.3 The Company shall not be liable for incorrect, inaccurate, erroneous or misleading information entered by the User (e.g. phone number, e-mail address, outdated vehicle registration data, OCTA policy start date).
2.4 The premium (cost) of the insurance policy shall be determined by each insurance company. Exceptions are cases when Webservices of insurance companies do not support the issuance of OCTA policies, for example, if a discount for disabled persons is applicable or the vehicle is insured on the basis of a certificate of invoice or purchase documents. In such cases, the User should contact the Company's insurance specialist at +372 53835142.
2.5 OCTA policies ordered on the Portal can be paid for:
2.5.1. by transfer, paying the issued prepayment invoice (the invoice is prepared electronically and sent to the e-mail address specified by the User); the insurance policy is issued only after the actual receipt of money to the Company's bank account. The receipt of money is checked twice a day on working days (at 12:00 and 17:00). If the order of the OCTA policy is made on a working day after 17:30, on a weekend or a holiday, the order data can be processed and the OCTA policy is issued not earlier than the next working day (working hours from 09:00 to 18:00);
2.6 The issued policy is sent to the User's e-mail address specified in the order.
2.7 The final cost of the policy is set by the insurance company at the time of its registration; in exceptional cases it may differ from the one indicated on the Portal. In such cases, the Company specialist will notify the User of the changes before the policy is issued. The Portal reserves the right to unilaterally cancel erroneously issued invoices and insurance policies.
2.8 If the order of OCTA insurance policy cannot be fulfilled, the specialist of the Website will contact the User and inform him/her about the reason of non-fulfillment of the order. In case of impossibility to execute the OCTA insurance policy, the paid insurance premium exceeding 1.00 euro is automatically returned (without a written application of the User) to the bank account, from which the payment for the order was made, within 10 working days.
2.9 If the value of the OCTA policy issued on the Portal is less than the value paid by the User (e.g. according to the order on the Portal, the insurance premium of the OCTA policy is less than the User's payment to the Company's account) or the User has mistakenly paid for several OCTA policy orders for the same vehicle, the difference between the amount paid by the User and the value of the issued OCTA policy exceeding EUR 1.00 shall be refunded to the bank account from which the payment for the OCTA policy order was made within 10 working days from the date of issuing the policy
2.10. A written application of the User for refund of overpayment for ordering a OCTA insurance policy is required in the following cases:
2.10.1. the amount of overpayment is EUR 1.00 or less;
2.10.2. the User wishes to return the money to another bank account;
2.10.3. the overpayment has occurred as a result of a reduction in the insurance premium (cost), if the payment was made by debit or credit card.
2.11. A OCTA insurance contract concluded by remote means (internet, email, etc.), the insurance period of which is not less than one month and the policyholder is a natural person (consumer), may be terminated using the right of withdrawal within 14 days of the conclusion of the insurance contract by notifying in writing the insurance company from which the OCTA insurance policy was concluded.
3. Special conditions
3.1 By submitting personal data, e-mail address, postal address and/or telephone number to the Portal, the User agrees to receive reminders about policy expiration dates and information about news and changes on the Portal, as well as other commercial and/or informational mailings.
3.2 The User, by marking on the Portal that he/she has read the terms of use of the Portal, confirms that he/she understands and agrees with them.
3.3 When approaching the beginning or end of the insurance period, the User is obliged to independently check the validity of the insurance policy, regardless of the fact of receiving or not receiving a confirmation or reminder. The Company shall not be liable for any losses that may arise or have arisen due to the invalidity of the insurance policy.
3.4 In case of changes in the registration data of the vehicle, the User, Policyholder, owner or holder of the vehicle shall immediately notify the Company about the changes by phone +372 53835142.
3.5. If the User, policyholder, owner or holder of the vehicle has not notified the Company about changes in the registration data of the vehicle in the manner specified in clause 3.4 of the Regulations for the use of the Website, the system of the Website will consider that the vehicle has been sold and will stop sending reminders.
3.6 The Company has the right to unilaterally cancel erroneously issued invoices.
3.7 All intellectual property rights related to the Portal belong exclusively to the Company. Copying, reproduction, distribution and storage of the Portal content without the Company's permission is prohibited and shall be prosecuted according to the procedure provided for by the Estonian legislation.
4. Exceptions and limitations
4.1 The information presented on the Portal has been carefully checked and selected to achieve the main purpose of the Portal - to provide insurance distribution services to the Users of the Portal. However, the Portal and the Company shall not be liable for any errors or defects that may occur in the content of the Portal.
4.2 The Portal and the Company are not responsible for actions performed on behalf of the User by third parties using the User's personal data and contact information.
4.3. The Portal and the Company shall not be liable for any losses or expenses that have been incurred or may be incurred in the future by the User of the Portal, the owner of the vehicle, or any third party in the following cases:
4.3.1. Due to damage to property and/or health.
4.3.2. Due to technical errors and/or software failures, including but not limited to failures of insurance companies' systems, payment systems and/or software.
4.3.3 When the Portal User enters erroneous, inaccurate, incorrect or misleading information.
4.3.4 If the User of the Website indicates an incorrect date of the beginning of validity of the CMTPL insurance policy.
4.3.5 In case of untimely issuance of the OCTA insurance policy.
4.3.6. In connection with the imposition of a fine for driving without a OCTA policy, if the User of the Website, the owner of the vehicle or any third party fails to comply with the validity period specified in the OCTA policy.
4.3.7. In connection with failure to notify of early termination of the insurance contract in accordance with the Law on Compulsory Third Party Liability Insurance of Owners of Inland Motor Vehicles.
5. Information on the Company's activities as an insurance broker.
The insurance broker is obliged to provide the following information to the Client prior to conclusion of the insurance contract:
5.1 Insurance distribution services are provided by insurance broker ZRV Solutions OÜ, registration number 16991429. Legal address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151; phone: +372 53835142.
5.2 The Company has no direct or indirect interest in any insurance undertaking or foreign insurance company that has opened a branch in the Republic of Estonia. No insurance undertaking, its parent company or a foreign insurance company that has opened a branch in the Republic of Estonia has any direct or indirect interest in the Company.
5.3 The Company provides recommendations on insurance products available for sale. As an insurance broker, the Securities Broker distributes insurance exclusively on behalf of and in the interests of the Client.
5.4 The Company prepares insurance offers and recommends the most advantageous insurance products to the User and the Client based on a comprehensive analysis of the offers. With regard to OCTA insurance, the Company recommends the most favorable offer based on the lowest price of the insurance policy.
5.5 The Company has no contractual obligation to distribute insurance exclusively for the benefit of one or more specific insurance merchants or branches of foreign insurers.
5.6 No additional service, payment processing and policy issuance fees are charged to the User and the Client. The Company's remuneration for insurance distribution is included in the insurance premium. The insurance premium and the amount of the Company's remuneration shall be set by the insurance company. The Company's remuneration is expressed as a percentage of the actually paid insurance premium.
5.7 Any person has the right to submit a complaint about the Company's actions in a pre-trial procedure in writing by post to the address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151, or verbally by phone at +372 53835142. Complaint handling is free of charge. The Company shall examine the complaint in accordance with the provisions of the Insurance and Reinsurance Coverage Act and provide a reasoned written reply within 20 days from the date of submission of the complaint.
6. Data protection, processing of personal data and confidentiality of information
6.1. All information received about the User of the Website when making payments and orders on the Website, including personal data, telephone numbers, e-mail addresses, car registration data, will be used and processed in accordance with the legislation of the Republic of Estonia.
6.2 By giving the Company his/her e-mail, postal address and/or phone number, the User of the Website agrees to receive reminders about policy expiration dates and information about news and changes on the Website or the Company's services.