Terms and Conditions
Conditions of use of the service
SUBJECT
Assicuramat srl is an insurance broker, subject to the control of IVASS and registered in the RUI. It operates as an independent subject with respect to
Insurance Companies, whose products it distributes, carrying out insurance intermediation activities also through the website www.assicuramat.it in favour and in the exclusive interest of the final customer.
in favor and in the exclusive interest of the final client, who gives a non exploratory insurance mandate to carry out all the necessary acts
Specifically, with the non-exploratory insurance mandate conferred, the customer is
aware, in case he decides to use the site assicuramat.it, that :
- before requesting insurance cover and entering the data necessary to insure a risk to which he is exposed, he must have viewed, in the spaces provided on the site, the spaces on the site provided, the privacy notices, Annexes 3, 4, 4b, as well as these conditions of use of the service;
- all the information collected for the formulation of the quote, as well as for the completion of the questionnaire of adequacy / consistency are true and are released under the responsibility of the user to Assicuramat srl;
- if he decides to make use of the intermediation or consultancy service by means of the internet site, he has the possibility, during the whole process of quotation of the risk, also for the policies for which he has the possibility to proceed to the issuing of the insurance contract in autonomy, to require during office hours, the intervention in realtime of a qualified insurance intermediary, both by chat and video call, to whom you can request any information on insurance products for which they would be interested in purchasing by simply clicking on the appropriate icons placed at the icons placed at the edge of the screen during the entire process. The client would benefit from the same assistance or consultancy service that he would receive The client would benefit from the same assistance or advice that they would receive from the broker;
- all signed documentation, pertaining to Assicuramat srl can be viewed, in copy, at any time in your personal area on the site, or present on the site, or of the same documentation can be requested to Assicuramat a copy in paper format at the headquarters of the broker. The client is also aware that at any time he/she may request Assicuramat to receive the policy and related documentation in paper format by communicating The client is also aware that he/she may at any time request Assicuramat to receive the policy and related documentation in paper format by communicating his/her wish to the broker’s office.
- before stipulating the chosen insurance contract, you have reviewed the informative file, and more specifically the policy conditions and the informative note, of the insurance company you have chosen to stipulate conditions of policy and the informative note, of the insurance company chosen for the stipulation;
- 6-before stipulating the chosen insurance contract, the characteristics of the coverage you intend to purchase must be clear and in particular it must be clear the duration, the costs, the fees, the limits of the coverage proposed by the insurance companies involved. Otherwise the client is aware that during the process of purchasing the contract he can contact, in real time, the insurance intermediary by simply clicking on the appropriate icon, either by chat or video call in order to request more information.
- both the policy and the policy renewal are valid from the date and time indicated by the insurance company
- Assicuramat srl, in order to protect its impartiality and independence, renounces to commissions from insurance companies in the field of car insurance policies. Therefore, the customer is aware that for each car insurance policy purchased will have to recognize to Assicuramat a brokerage fee, which will be displayed when purchasing the chosen insurance contract and which will be paid together with the insurance premium. You are also aware that you will receive an invoice of the fee paid in your tax drawer and you will receive a courtesy copy of the invoice in your personal area on the site;
- it is possible to pay for the required insurance coverage with the following payment methods: VISA debit card, MASTERCARD, MYBANK, bank transfer. If the customer decides to pay the contract by bank transfer, he is aware that the purchased policy would be cashed by the broker by the broker in the moment in which on the separate account of Assicuramat srl will arrive the currency of the transfer. In this case the customer is aware that, in order to speed up the collection of the coverage is necessary to forward to Assicuramat Ltd. the accounting of the transfer made by email to the address info@assicuramat.it, or by whatsapp account at 06 /56557182, or through your personal area on the site.
- the premium arises from the risk factors declared by the insured party in the awareness that any inaccurate and/or reticent declarations may result in the involve the reduction or non-payment of insurance benefits;
Assicuramat srl operates legitimately in the field of brokerage and insurance market. The customer has the opportunity to consult the register The customer has the opportunity to consult the single register of intermediaries on the site www.ivass.it . In addition, the user is invited to read the information provided by art. 120 and subsequent of the Code of Private Insurance, the ‘Annex 3 and 4/4ter Reg. Ivass n. 40/2018, as amended by Provv. Ivass n. 97/2020, and the ‘information on the treatment of personal data, in addition to these conditions of service. The conditions contained in this page (hereinafter, for brevity, “Conditions of Service”) are applied to all transactions relating to the products products distributed through the site. The User, before concluding the purchase of a policy, is invited to read them carefully. The execution of a quote from the site implies the acknowledgement and acceptance of these Terms of Service, which constitute a legal agreement between the user and Assicuramat srl. agreement, which can be modified only with the express consent of the writing company. Assicuramat Ltd. reserves the right to modify these Terms of Service over time to adapt them to legislative changes or to any changes to the service itself, updating the information herein. The user will always find the most recent version of these conditions online. these conditions, which we therefore invite you to consult regularly. It is understood that no change will affect purchases made before the change is adopted./p>
Intermediation activities carried out by Assicuramat srl
1) Quotation activities:
a) online service for the quotation of quotes, which the User, in some cases, may manage independently, or with the help of the insurance intermediary
insurance intermediary, by entering the data required by the quote system that, if correct and complete, generate a premium quote and allow the
completion of the contract;
b) indication to the User, already at the time of the Estimate, of the documentation necessary for the insurance coverage;
c) support provided to the Client by the Customer Service for the transmission of suitable documentation for the management of the request for the issue of the
Policy;
d) analysis, verification, validation of the documents transmitted by the Client and at the time of the Estimate;
e) transmission of the contractual documentation to the User, to be signed, alternatively, by means of an advanced electronic signature in accordance with the procedure made available by Assicura
the procedure made available by Assicuramat srl to its customers or by handwritten signature that the customer agrees to place on the printed copy of the contract.
on the printed hard copy of the insurance contract which must be returned in the personal area in the space provided;
f) transmission, following the payment of the quoted premium and the digital signature of the necessary documentation by the Contracting Party
of the insurance certificate, which will be sent to the e-mail address provided by the Contracting Party at the time of the Estimate and will be inserted in the personal area
personal area of the client, provided in the site.
2) Consulting and assistance activities:
For all the cases in which the type of insurance contract requested by the customer does not contemplate the possibility of proceeding independently to the purchase and
For all cases where the type of insurance contract requested by the customer does not include the possibility of proceeding independently to the purchase and issuance of the insurance policy, the customer will be supported throughout the process of estimation, quotation and purchase by the insurance intermediaries of Assicura’s Customer Service.
insurance intermediaries of Assicuramat Customer Service, who will request to the insured every information and document useful to define the quotation of the risk.
risk.
The Customer Service will support the User, who will have to produce the requested documentation, in a clear, readable and complete way (in .pdf, .png or .jpeg format) and will provide for the
.jpeg) and will provide to the verification of the integrative documents transmitted by the User within 24 hours from the date of reception of the documentation.
In view of the assistance and consultancy activity aimed at acquiring compulsory civil liability insurance cover provided through the
online services, for each quote generated on the site www.assicuramat.it, Assicuramat srl. will indicate to the customer, in addition to the premium item calculated for
liability insurance and for any other selected additional guarantees, also a specific item distinct for the brokerage fees indicated in the Quote.
If, from the verification of the data present in the documentation, there is the need to integrate the quoted premium, the Customer Service will
If, from the verification of the data in the documentation, there is a need to integrate the quoted premium, the Customer Service will provide to make a new and correct Estimate, which will be sent to the Client with an invitation to pay the eventual integration due.
Should the Contracting Party fail to pay the supplementary premium, possibly due on the basis of the new and correct Estimate generated
in accordance with the additional documentation requested and examined, or does not sign the insurance contract within six months from the date of the
Assicuramat srl will reimburse the premium paid net of the amount due for the assistance activity rendered,
quantified as a lump sum of Euro 40.00. The reimbursement will be made within thirty days from the date of receipt of the IBAN, which must be provided by the
by the customer following the instructions that will be provided by email.
3) Management of cancellation – replacement of insured vehicle – change of owner:
With reference to the products Rc auto, Assicuramat srl, informs the Contracting Party that the insurance contract can be object of specific request
of:
a) early termination of the insurance for loss of possession in the terms expressly regulated by the Conditions of Insurance (i.e.
a) early termination of the insurance due to loss of possession in the terms expressly regulated by the Conditions of Insurance (i.e. sale, consignment for sale, theft, demolition, cessation of circulation, exportation of the insured vehicle);
b) change of the insured vehicle due to its sale. The change can only be made in the event of the purchase of another vehicle to replace the vehicle sold
The change can be made only in case of purchase of another vehicle to replace the sold insured vehicle and provided that the owner of the two vehicles is the same person;
c) variation of the license plate in case of loss of the license plate. The change can be made only after formal re-registration of the insured vehicle and issuance of a new registration number.
The change can be made only after formal re-registration of the insured vehicle and issue of a new license plate;
d) variation of the province of residence of the insured party/owner of the insured vehicle following the transfer of residence of the same. The
The change can be made only on the basis of the production of suitable
Company data
ASSICURAMAT SRL, VIA LUDOVISI 35 , ROMA – C.F./P.IVA Reg. imprese ROMA 16084441001, Share Capital 10.000 euro (i.v.) – R.E.A.
RM-1633847 – Insurance broker subject to the control of IVASS and registered in the RUI with number B000682659; website www.assicuramat.it ;
www.assicuramat.com ;www.assicuramat.eu PEC:assicuramatsrl@pec.it Tel: 06/56557182