Legal & Privacy

By accessing or using Route Insured's platform, website, or mobile application (collectively, the 'Service'), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please discontinue use of the Service immediately.

These Terms constitute a legally binding agreement between you ('User') and Route Insured Private Limited ('Company', 'we', 'us', or 'our'), a technology-driven insurance platform registered under the laws of India.

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Service after any such changes constitutes your acceptance of the new Terms.

Route Insured provides a digital platform for creating, managing, and accessing transit and cargo insurance policies. Our services include but are not limited to: online policy issuance, digital policy management, claims assistance, and customer support.

We specialize in providing end-to-end insurance solutions for goods in domestic and international import-export transit, supporting businesses with dependable coverage and simplified workflows.

Our platform facilitates the connection between policyholders and licensed insurance underwriters. Route Insured acts as a licensed insurance intermediary and is regulated by the Insurance Regulatory and Development Authority of India (IRDAI).

Route Insured respects your privacy. This app may access device features such as the camera to scan documents or capture images for business-related purposes.

We do not collect or share personal data with third parties. All data remains secure and is used only to improve app functionality.

If you have any questions, contact us at: info@routeinsured.com

To access certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

We use OTP-based (One-Time Password) authentication via registered mobile numbers to ensure secure access. You agree not to share your OTP or any login credentials with any third party.

All insurance policies issued through our platform are subject to the terms and conditions of the respective underwriting insurance company. Route Insured does not itself underwrite insurance policies.

Coverage details, exclusions, premiums, and claim procedures are governed by the individual policy documents provided at the time of issuance. Users are advised to read all policy documents carefully before purchase.

Route Insured shall not be liable for any claim disputes between the policyholder and the underwriting insurer. However, we will assist in facilitating communication and documentation during the claims process.

All premium payments made through our platform are processed via secure, PCI-DSS compliant payment gateways. We accept UPI, net banking, debit/credit cards, and other digital payment methods as available on the platform.

Premium amounts are determined by the underwriting insurer and may vary based on the nature of goods, transit route, declared value, and other risk factors.

In case of a failed transaction, the amount will be refunded to the original payment source within 5 to 7 working days. Route Insured is not responsible for delays caused by banking institutions.

You agree not to: (a) use the Service for any unlawful purpose; (b) submit false, misleading, or fraudulent information; (c) attempt to gain unauthorized access to any part of the Service; (d) reverse engineer, decompile, or disassemble any software used in connection with the Service.

Any attempt to manipulate, damage, or disrupt the Service or its underlying infrastructure will result in immediate termination of your account and may be reported to appropriate law enforcement authorities.

Fraudulent claims, misrepresentation of goods value, or any form of insurance fraud will result in policy cancellation, claim rejection, and potential legal action.

To the maximum extent permitted by applicable law, Route Insured shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

Our total liability to you for any claim arising from the use of the Service shall not exceed the amount of premium paid by you for the relevant policy in the preceding 12 months.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. Use of the Service is at your own risk.

We reserve the right to suspend or terminate your access to the Service at our sole discretion, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, the Company, or third parties.

Upon termination, all provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

You may terminate your account at any time by contacting our support team. Termination does not affect any insurance policies already issued; those will remain subject to the respective policy terms.

These Terms shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Raipur, Chhattisgarh, India.

Before initiating any legal proceedings, parties agree to attempt to resolve disputes through good-faith negotiation. If unresolved within 30 days, disputes shall be referred to arbitration under the Arbitration and Conciliation Act, 1996.