Terms & Conditions
These terms govern your use of this website and the consultation service offered by Nauf Insurance. By using the site or booking a call, you accept them.
What we are, and what we are not
Nauf Insurance is an insurance advisory service. We are not an insurance company and we do not underwrite, issue or administer any policy. We do not accept premiums.
Where you choose to purchase a policy, it is issued by the relevant insurance company and the transaction is facilitated exclusively through our licensed insurance broker partner, Prost Insurance Brokers Pvt. Ltd. (OneAssure), IRDAI Licence No. 756, Direct Broker (Life & General).
Insurance is a subject matter of solicitation.
Information on this site is general, not personal advice
Everything published here, including articles, comparisons, worked examples and illustrative figures, is general information for education. It does not take account of your particular circumstances and is not a recommendation to buy, hold, surrender or replace any policy.
Illustrative figures on this site
Some pages show worked examples: sample claim amounts, sums insured, premiums and the age-based profiles under "Common situations". These are illustrations chosen to explain how a clause behaves. They are not quotes, not offers, not predictions, and they do not describe real clients.
Your actual eligibility, sum insured, premium, exclusions and terms are determined solely by the insurer after underwriting, and may differ substantially from any figure shown here.
The consultation
- The review call is free and carries no obligation to purchase anything.
- The quality of our advice depends on the accuracy of what you tell us. If material information is incomplete or incorrect, the advice may be unsuitable.
- You are responsible for reading the policy wording, prospectus and sales brochure of any product before concluding a purchase.
- Any decision to buy, retain or surrender a policy is yours.
How we are paid
You pay us nothing. Where a policy is purchased through our licensed broker partner, the partner receives the standard commission regulated by IRDAI and payable by the insurer, and we may receive a share of it. This commission is built into the product's pricing whether or not you use an advisor.
Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from your reliance on general information published on this site, from a claim decision made by an insurer, or from the performance or terms of any policy you purchase. Nothing in these terms limits liability that cannot lawfully be limited.
Grievances
If something about our service falls short, write to support@oneassure.in. We will acknowledge within 7 days. Complaints about a policy that has already been issued are handled under the insurer's and our licensed broker partner's grievance procedures, and you retain every right of escalation those procedures give you, including to IRDAI.
Third-party links
This site links to third-party services, including the booking form operated by our broker partner. Those services have their own terms and privacy policies, and we are not responsible for their content.
Intellectual property
The content, design and branding on this site belong to Nauf Insurance unless stated otherwise, and may not be reproduced without permission.
Changes
We may update these terms. The date at the top of this page shows when they last changed.
Governing law
These terms are governed by and construed in accordance with the laws of India, and the courts of competent jurisdiction in India shall have exclusive jurisdiction over any dispute arising from them.