Terms and Conditions for Using the Website and Contracting Insurance Services via Electronic Payments
Dear user, by continuing to use the website www.safetybroker.md, you acknowledge that you have read the terms and conditions of use, including consent for the processing and storage of personal data, in accordance with Law No. 133 of 08.07.2011. Additional information can be found in the "Personal Data Security Policy" section.
Through the website, SAFETY-BROKER Insurance and Reinsurance Broker S.R.L. provides users with access to price offers for insurance products. Each offer is detailed according to the requested type of insurance, and its conditions are regulated by the respective insurance contracts.
Placing an order online is done by completing a form. The request will only be processed if the visitor has read this document and checked the option "I agree with the terms and conditions."
Definitions
Insurance activity – the activity that includes formulating offers, negotiating and concluding insurance and/or reinsurance contracts, collecting premiums, settling damages, performing recovery actions, and damage recovery.
Reinsurance activity – an activity that involves taking on risks transferred by a resident insurance or reinsurance company or from a third country.
Insured – the person whose civil liability, health, or property is insured under the insurance contract.
Insurance – the transfer of a potential risk, including the risk to life, health, or property of a person, from the insured to the insurance company according to the insurance contract.
Assistance – provision by the insurance or reinsurance company, insurance broker, and/or any legal entity, under a collaboration agreement, to the contractor, insured, reinsured, insurance beneficiary, and third-party victim, or, where applicable, to another insurance or reinsurance company, in case of a covered risk, including organizing technical, medical, financial, and legal services related to paying the compensation.
Supervisory authority – National Bank of Moldova.
Insurance beneficiary – a natural or legal person insured or designated by the policyholder, who receives the compensation and/or indemnity or benefits specified in the insurance contract.
Electronic contract – the totality of electronic documents constituting the civil contract, which aims to establish, modify, or terminate civil rights and obligations, the object of which may be goods, works, or services.
Policyholder – a natural or legal person who has an insurance contract concluded with an insurer.
User – the person who uses the website www.safetybroker.md, purchases insurance products, and has the legal capacity and legal age according to the law to conclude an insurance contract.
Insurer – a legal entity registered in the Republic of Moldova that holds a license to carry out insurance (reinsurance) activity under the present law.
Insurance contract – the legal act by which the insured undertakes to pay a premium to the insurer, who assumes the insured risk and agrees to pay the insured or a third party compensation or the insured amount in the event of a covered risk.
General insurance conditions – contractual clauses issued by the insurer, which are an integral part of the insurance contract and regulate the rights and obligations of the parties to the insurance contract.
Insurance indemnity – the sum owed or paid by the insurance company to the insured, the insurance beneficiary, or a third-party victim to compensate the damage caused by the insured event, within the limits specified in the insurance contract.
Insurance premium – the amount that the policyholder is obliged to pay to the insurance broker at the issuance of an insurance policy, under the conditions and within the timeframes provided by the insurance contract, in exchange for the coverage of the insured risk by the insurance company.
Electronic insurance policy – the insurance policy issued by the insurer based on a written or electronic request, following the policyholder/insured’s agreement to these Terms and Conditions, payment of the insurance premium via electronic means, and sending the insurance policy to an electronic address specified in the request.
Information technology – the set of methods, procedures, and means of processing and transmitting information containing personal data and the rules for applying them.
Insured amount – the maximum limit of the insurer's liability in the event of the occurrence of the risk for which the insurance contract was concluded.
Group supervisor – a supervisory authority responsible for overseeing a group.
Information system – computer devices and programs that work together, ensuring the processing, storage, sending, and receiving of data via telecommunications networks.
Conclusion of the Insurance Contract Using the Website www.safetybroker.md
In accordance with the provisions of the Civil Code, the insurance products and contracts presented on the website and offered to users constitute an offer to conclude a contract addressed to an undefined group of persons, depending on the available products, as a result of accessing them through the website.
The insurance conditions set by the insurer are binding on the insured only if they are clearly stipulated in the contract and are an integral part of the text, either on the back or as annexes. If the insurance conditions are presented as annexes to the contract, the insurer will inform the insured about their delivery, and this will be specified in the contract text.
The language used for all legal relations between the insurer and the policyholder will be Romanian.
The contract is concluded according to the following steps:
- The user fills out the offer form according to the required type of insurance;
- The personal data and information provided are accurate at the time of completion/provision;
- The user must ensure that the data entered is correct, with the possibility to modify it if discrepancies are noticed, taking responsibility for the accuracy of the data entered if the insurance premium is paid online.
- The online calculator will display information about the insurance premium amount and other details (if applicable). The user should review the general insurance conditions, specific to the chosen type of insurance.
- If the user agrees with the insurance company’s offer, to contract the service, they must create an account on the platform https://safetybroker.md or log in with an existing account or use their Facebook or Google account.
- The user must select the insurance period, provide specific data according to the chosen type of insurance, the required payment method, and finalize the service contracting process.
- The payment of the premium is made according to the conditions specified in section 3 "Payment Conditions" of this document, and the premium is paid directly to the insurance company’s account.
- The electronic insurance contract is considered concluded when the premium or the first installment enters the insurance company’s bank account or when the payment is confirmed.
- The insurance policy will come into effect on the specified date (according to the form) under the contract, but no earlier than the payment of the insurance premium/first installment into the insurance company’s account.
- The policy and the insurance contract will be available for download in the “Personal Cabinet” section under "Insurance Policies."
The validity of the RCA or Green Card insurance policy can be checked on the official website of the National Bank of the Republic of Moldova https://rca.bnm.md/.
Payment Conditions
The insurance premium is paid in full or in installments, depending on the specific insurance product requested and the contractual provisions. Proof of premium payment is the responsibility of the insured, and the supporting document can be the house receipt, payment order, or electronic receipt. Payments are processed through acquiring banks in the Republic of Moldova, Visa International Limited debit/credit cards, and MasterCard Inc. The payer agrees that the debit/credit card details provided must be correct and accurate and that they will not use a card that is not legally owned or authorized by the legal owner. The payer also agrees to provide correct and valid debit/credit card details. The payer guarantees, agrees, and confirms when initiating an online payment transaction and providing card details.
To make the payment, the following details will be requested:
- Card number (16 digits);
- Expiry date (month and year);
- CVC or CVV code (3 digits);
- Name on the payment card.
The payment method via a bank card involves redirecting through secure channels to the BC VICTORIABANK SA bank portal and does not store sensitive data (such as card details or cardholder information). Payment of the insurance premium is made in MDL, and if the card currency differs, the exchange rate of the card issuer bank will apply. The insurer does not charge any other fees except the insurance premium; commissions and/or other payments may be withheld by the payment system or Visa International Limited, MasterCard Inc.
Important: If incorrect contract or premium details are entered, the transaction will not take place, and no funds will be deducted.
Contract
The contract concluded through electronic means remotely has the same legal value as a traditional contract. It is governed by Law No. 92 of 07.04.2022 on insurance or reinsurance activity, the Civil Code, and Law No. 284 of 22.07.2004 on information society services. The insurance contract can be modified or terminated based on a written request submitted to the company’s headquarters by the insured, in accordance with applicable legislation and insurance conditions.
The contract may be terminated at the request of the insurer or the policyholder/insured only if the other party fails to fulfill its contractual obligations or violates the law. Termination due to the insured’s interest consumption requires the policyholder/insured to pay only that portion of the premium corresponding to the duration of the risk, and the insurer may retain a management fee for the insurance contract. The insurer is entitled only to the premium corresponding to the actual duration of the insurance before termination, except when a covered event has occurred during the insurance period, in which case the insurer retains the full premium.
Complaints
Any complaints can be officially submitted by sending an electronic message or registering it physically at the company’s headquarters. The information displayed on this website may be modified entirely or partially, without prior notice to users.
For any additional questions regarding the terms and conditions of offering and contracting insurance services via electronic means, please contact us:
Company Contacts
Insurance and Reinsurance Broker "SAFETY-BROKER" S.R.L.
Republic of Moldova, Chișinău, Ioana Radu Street 21, Floor 3
IDNO: 1013605002213
Email: info@safetybroker.md
Mobile phone: (+373) 69-73-99-73 / (+373) 78-65-11-11 / (+373) 78-18-67-73
Working hours 09.00 - 17.30 from Monday to Friday.