Terms of Service

Using the site, requesting a consultation and/or providing data for insurance policy registration means full and unconditional acceptance of these Terms by the User.

1. General Provisions

1.1. The Company provides consulting and intermediary services in the field of insurance.

1.2. The Company is not an insurance company and acts as an intermediary between the Client and insurance organizations.

1.3. The current version of the Terms is always posted on the Company's website. The Company has the right to change the Terms without prior notice.

2. Subject of Agreement

2.1. The Company provides services for consulting and registration of various types of insurance policies for individuals and legal entities, regardless of citizenship and country of vehicle registration, in accordance with the rules and conditions of selected insurance companies.

3. Order Processing

3.1. An order for insurance policy registration can be placed:
— by filling out a form on the website;
— or directly in the chat when consulting with a Company specialist.

3.2. To place an order, the User provides the necessary data and documents by any agreed method (website form, email, messengers).

3.3. The User's transfer of their data and documents means consent to these Terms of Service, as well as to the Company's Personal Data Processing Policy.

3.4. After order confirmation and payment receipt, the Company begins processing the insurance policy and sends the completed documents to the User electronically.

4. Payment, Service Terms and Working Hours

4.1. Payment for services is made by methods indicated on the website or agreed with the manager.

4.2. Service working hours: daily from 08:00 to 21:00 Central European Time (CET).
Requests received outside working hours are processed during the next working period.

4.3. After payment receipt, policy processing usually takes:
— from 15 minutes to 1.5 hours on business days;
— up to 2 hours on weekends and holidays.

4.4. The specified terms are indicative and may be extended in case of technical failures, increased load, errors in Client data, as well as due to the work of insurance companies or payment providers.

5. Service Language

5.1. The main working languages of the service are Russian and English.

5.2. The Company uses modern machine translation technologies and neural network tools and, if possible, conducts correspondence and consultations in the Client's language.

5.3. The Client understands that when using automatic translation, minor inaccuracies in wording are possible, which do not change the meaning of the services provided and the legal force of these Terms.

6. Order Cancellation and Refund

6.1. If the Client requested order cancellation before policy issuance, the Company makes a full refund of the paid funds.

6.2. The refund is made in the same way as the payment was made and may take from 15 minutes to 5 business days depending on the bank or payment system.

6.3. After policy issuance, a refund is possible only in cases and on conditions provided by the rules of the specific insurance company.

7. Responsibility for Client Data

7.1. The Client is responsible for the accuracy and correctness of the provided data and documents.

7.2. Errors in data may lead to processing delays, refusal to issue a policy, or recognition of the policy as invalid.

7.3. The Company is not responsible for consequences arising from the Client providing incorrect or incomplete information.

8. Limitation of Liability

8.1. The Company is not responsible for insurance companies' decisions regarding policy issuance, refusal, cancellation, or changes in policy terms.

8.2. The Company is not responsible for interruptions in the operation of third-party services, including payment systems, government databases, postal services, and messengers.

9. Force Majeure

The Company is released from liability for full or partial non-fulfillment of obligations caused by force majeure circumstances, including but not limited to: communication failures, technical accidents, sanctions, military actions, government decisions, natural disasters.

10. Communication and Dispute Resolution

10.1. All disputed situations are resolved primarily through negotiations via the Company's support service.

10.2. Contacting support is a mandatory step before filing claims with third parties.

11. Contact Information

For all questions, you can contact us by email: superman@beinsurance.me

Last updated: February 19, 2026