Effective Date: 14 August 2025
IRDAI Direct Broker (Life & General) Licence No.: 744
Valid Till: 10 June 2027 – Renewable every 3 years

About RoyalCover

RoyalCover is operated by Analah Insurance Broking Pvt. Ltd., a licensed Direct Insurance Broker (Life & General) regulated by the Insurance Regulatory and Development Authority of India (IRDAI). We are not an insurance company. Our role is to provide you with a platform – www.royalcover.ai – to compare, select, and purchase insurance products from multiple insurers in an informed manner.

Scope of Services & Limitations

We provide comparative information, premium illustrations, and product features based on data shared by insurers. While we strive for accuracy, we do not warrant or guarantee the timeliness, completeness, or correctness of the information displayed. Your final purchase decision should be based on reading the policy brochure, terms, conditions, inclusions, exclusions, and limitations issued by the insurer. If in doubt, please seek clarification from us or the insurer before purchasing.

Premium Collection & Policy Issuance

RoyalCover may collect or facilitate collection of premium payments on behalf of the chosen insurer. Acceptance of premium does not guarantee policy issuance; the insurer may accept or reject the proposal as per their underwriting norms. If your proposal is declined, the insurer will process any refund directly, and RoyalCover will assist in coordination.

Policy Cancellation, Free-Look & Refunds

Free-look period (where applicable) is as per product type and IRDAI guidelines (e.g., generally 15 days from receipt of policy document in case of electronic issuance). Charges such as stamp duty, proportionate risk premium, and medical expenses may be deducted during free-look cancellation. Post free-look, cancellations are subject to policy-specific terms and insurer rules. Refunds, if any, will be processed directly by the insurer; RoyalCover will guide and assist in tracking the status.

Responsible Use of Website & Services

When using our website or services, you agree to:

• Provide accurate, complete, and up-to-date information.
• Not engage in unauthorized access, data scraping, or misuse of our platform.
• Not upload, post, or share any content that is illegal, defamatory, fraudulent, or infringes on third-party rights.
• Maintain confidentiality of your login credentials.

Intellectual Property Rights

All content on www.royalcover.ai, including text, graphics, logos, and images, is either owned by or licensed to RoyalCover and is protected by applicable copyright and trademark laws. Unauthorized use is strictly prohibited.

Limitation of Liability

RoyalCover shall not be liable for any loss, damage, or delay arising from reliance on information provided on the platform. We are not responsible for insurer decisions, underwriting outcomes, or delays in policy issuance. Any claim against us shall be limited to the amount paid (if any) for our services.

Indemnification

You agree to indemnify and hold harmless RoyalCover, its affiliates, employees, and partners from any claims, liabilities, or expenses arising from your violation of these terms or misuse of the platform.

Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India. All disputes are subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

Important Regulatory Disclaimer

Insurance is the subject matter of solicitation. For complete details on policy terms, conditions, exclusions, and limitations, please read the sales brochure and policy document carefully before concluding a sale.

Contact & Grievance Redressal

Level 1: [email protected]
Level 2: [email protected]
Level 3: [email protected]
For assistance, you can also call (+91) 99208 78181 during working hours.