Terms and Conditions


Last updated: May 18, 2018

Navnit Insurance Broking Private Limited(NIBPL) is an insurance broker, holding a broker license officially issued by the Indian Insurance Regulator - Insurance Regulatory and Development authority. (IRDAI). Please read the below "Terms and Conditions" carefully before using our website. Your access to and use of our service is conditioned on your acceptance of and compliance with these terms. These terms and conditions apply to all visitors, users and others who access or use our service.


The terms, descriptions, features, add-ons of insurance policies advertised or sold in our website is detailed out as declarations. Some of these statements are generalized in an attempt to give you a summary of the insurance policies available through policies365.com. Kindly make a note that not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase before purchasing that insurance policy. Upon using our website and providing your personal / contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. You also approve that NIBPL may contact you either electronically or through phone, to understand your interest in the chosen products and services and also provide the best service to meet your requirements. Please note that, the contents of the policies365.com are only for your personal and non-commercial use.


As a user of our website, you cannot:

  • • Introduce any virus or other harmful code into your Account or into any files you upload to your Account;

  • • upload or submit any material, drawings, images, consent or information which infringes the intellectual property rights of any third party, is in breach of any applicable law, regulation, direction or code of practice, is defamatory, illegal, pornographic or offensive;

  • • misuse your Account or the Site (including without limitation by hacking), access or seek to access any part of the Site which is not made available to you or attempt to circumvent the Site's, or your Account's or any other accounts' security.


NIBPL does not offer its services to minors under the age of 18 or to any users suspended or removed from our system.


The premium is derived on the basis of information filled by customer, which includes customer's previous year policy details and No claim Bonus Discount %, if any. Insurance Companies may verify customer's previous year policy details and may hold claim settlement process till the time confirmation is received from previous insurer. The Companies shall have no liability under the insurance contract if it is found that any of customer's statement on particulars or declaration (other than NCB discount) in the proposal form or other documents are incorrect and / or untrue / false. If any discrepancy found in the information provided for arriving at NCB discount %, insurance companies shall communicate to customer via e-mail &/ or letter for payment of the balance premium amount within 20 days from the date of communication. If the balance amount is not paid by the customer within 20 days from the date of communication, customer will be liable to pay three times the balance premium amount at the time of first claim made under the policy which shall be deducted from the final approved claim amount under the policy.


NIBPL allows users to create and manage their own account however, we urge you to provide the most accurate and timely information possible to help us serve you better. Remember to create a strong password to protect your account and the users are responsible for safeguarding their own passwords, while using it in our website or in the linked third party websites. If you find any suspicious activity or unauthorized use of your account, please notify us immediately. We may withdraw access to your Account or the site if you breach these User Account terms or the site terms.


By using this site in any manner, you represent and warrant that your use will be consistent with the Terms and Conditions of Use. You agree to indemnify, defend, and hold harmless NIBPL (and its officers, directors, and employees) from all claims, causes, costs, expenses, fees (including reasonable attorneys' fees), judgments, liabilities, losses, and damages arising from or relating to your content or your use of the Site.


NIBPL may send its e-newsletters and other electronic communications either on a regular basis or to meet advertisement demands. These electronic communications highlight the work and role of the NIBPL and advise our site users, and other industry key stakeholders of relevant information, updates and developments in the Insurance sector. The user is also permitted to electronically communicate to NIBPL by writing e-mails/chats/bots.


These Terms and Conditions shall be governed and construed in accordance with the regulations of IRDA, India, without regard to its conflict of regulatory provisions. Our failure to enforce any right or provision of these T&C will not be considered a waiver of those rights. If any provision of these terms is held to be invalid or unenforceable by the insurance regulator, the remaining provisions of these Terms will remain in effect. These terms constitute the entire agreement between us regarding our service, and supersede and replace any prior agreements we might have between us regarding the service.


All rights, including copyright, in this website are owned by or licensed to policies365.com. Any use of this website or its contents, including copying or storing it or them in whole or part, other than for your own personal, non-commercial use is prohibited without the permission of policies365.com. You may not modify, distribute or re-post anything on this website for any purpose. All software used on this site is the property of policies365.com. The contents and software on this site may be used only as a means to suit your insurance needs or purchase insurance policies. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the contents on this site is strictly prohibited.


We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.


NIBPL has not reviewed/endorsed all pages of the third party websites linked to this site and therefore cannot be liable for their content. Users follow the link to other Websites at their own risk and use these sites according to their terms and conditions. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.


We at NIBPL aim to provide the latest and most innovative services to its users so that our users will be able to make better decisions while purchasing a policy. These include robot logic, carrier claim service ratings, coverage depth and value for money. We urge the users to do their research and due diligence, read all the details before using these services. NIBPL cannot be held accountable for any ignorance of the users before using these services based on our recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. In case you need any further assistance, feel free to contact us or use our live chat support.

Privacy Policy


Last updated: May 18, 2018

As an insurance broker, we would be dedicated to safe guard the privacy of our website and mobile app users. Therefore, this privacy policy will furnish details on the disclosure of any personal data we collect from you when you use our service.


When a user wants to view the personalized quote, we may ask you to provide some of your personal information. This input may include but is not limited to user's name, mobile number and e-mail address. This information along with your product preference, will be passed on to the insurance company from where the user decides to purchase the insurance policy. While providing Personal information, you also authorise Navnit Insurance Broking Private Limited (NIBPL) to contact you.


This is to inform our users that certain data will be automatically captured from the web browsers and web servers that are being used by the site customers. These data could include IP addresses, browser types (IE, Chrome, Firefox etc.), browser versions and other technical information from the user's means of communication with our website. We may also store cookies on your computers when you visit our website. This would help the users to track the stored information at a later point of time. Users can disable cookies using their internet settings. policies365 also uses google analytics tool to stock user input information.


The security of your personal information is equally important to us. While we attempt to use commercially acceptable terms to facilitate personal information protection, listed below are the instances where we many use your personal information:

  • • To help us monitor, analyze and improve the services we offer

  • • To send intermittent e-mails in case of promotions, contests and other marketing related activities

  • • To improve and personalize site user experience

  • • To process payments should the user exhibit interest to carry out a financial transaction


Our website contains links to the sites of our partners, licensors, advertisers and other third parties. The usage of these websites is solely at the discretion of the users and policies365 is not responsible for neither the content of these third party websites nor the privacy policy formulated in these linked sites.


We stringently follow the norms of non-disclosure and any agreement. Owing to legal duties, we may disclose some of your personal information to the legal authorities and regulators to comply with the law. We strive to ensure that our linked third party websites are safe and secure even though we have no control over these websites.


We may update our Privacy Policy from time to time. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.


All users of our website, will automatically indicate their acceptance of this privacy policy. Should you have any queries about our privacy policy, please feel free to contact us at: support@policies365.com

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About us


Navnit : Your Perspective is Ours

We as a Broker, deal with all Insurers - both from Private as well as Public sector General Insurance Companies.

  • We believe in understanding their needs and becoming their valued partners and advisors, committed to meeting their requirements at every stage of their lives.
  • We believe that our interaction with customers exceeds the selling of a product. We draw on our knowledge the sector to provide consultations, professional follow up and an attention to detail at every stage of the brand experience.
  • This is as true of our long standing mobility businesses as it is our new initiatives.
  • Our relationship with our customers lies at the heart of our business philosophy.
Team - Industry experts in Navnit Insurance Broking Pvt Ltd

Our Team

Backed by knowledge and a team of highly qualified and professionals from Insurance, Reinsurance, Finance fields, the team at Navnit Insurance Broking has a strong track-record of handling large group of Corporates for their insurance requirements successfully. The Team is well-adapted to study the risk-exposure and guide in the risk management process. They have handled General & Life insurance, Reinsurance requirements of very large Corporate Clientele.



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