Terms & Conditions
Effective Date: February 2026
Welcome to Insurance Kara Lo (`insurancekaralo.com`). By accessing, browsing, or using our comparison and quote tools, you agree to comply with and be bound by the following terms and conditions.
1. Nature of Services
Insurance Kara Lo provides an online aggregation and comparison interface allowing users to view quotes, evaluate policy terms, and submit proposals to licensed insurance companies across India.
2. Accuracy of Proposal Information
Insurance contracts are governed by the principle of Utmost Good Faith (Uberrima Fides). The applicant agrees that all information supplied—including vehicle details, previous claim history, pre-existing medical conditions, and nominee disclosures—is accurate and true. Any fraudulent misrepresentation may lead to claim repudiation by the insurer.
3. Statutory Solicitation Disclaimer
Insurance is the subject matter of solicitation. Premium quotes displayed on our portal are indicative and computed in accordance with the filed rating guidelines of the respective insurer partners and IRDAI regulations.