These Terms & Conditions govern your use of motorclaimexpert.com (the “website”), operated by Motor Claim Expert. By using the website you agree to these terms. If you do not agree with them, please do not use the site. They should be read together with our Privacy Policy and Disclaimer, which form part of your agreement with us.
About this website
Motor Claim Expert is an independent educational publication about motor-insurance claims in India. We publish guides, explainers, checklists, templates and answers to common questions. We are not an insurer, broker, loss assessor or surveyor, or a law firm; we do not sell insurance and we cannot access, file or settle your claim. What you read here is general information, not advice for your specific situation.
Use of our content
You are welcome to read our content, share links to it, and use our free templates and checklists for your own personal, non-commercial insurance matters. In return, you agree not to misuse the website — for example, you must not copy, republish or redistribute our content for commercial purposes, present it as your own, scrape or systematically harvest the site, attempt to disrupt or gain unauthorised access to it, or use it for anything unlawful. Any use not expressly permitted here requires our prior written consent.
Intellectual property
Unless stated otherwise, all content on this website — including text, original graphics, checklists, templates and the Motor Claim Expert name and branding — belongs to us or our contributors and is protected by copyright and related laws. The permission to use our free materials for your personal claim does not transfer any ownership to you. Third-party names, logos and trademarks mentioned on the site remain the property of their respective owners and are referred to only for identification and educational purposes.
Comments and anything you submit
If the website allows comments or messages, you are responsible for what you submit. You agree that anything you post is your own, is lawful, and does not infringe anyone’s rights or contain anything defamatory, offensive or misleading. We may review, edit or remove submissions at our discretion, and we are not obliged to publish or retain them. By submitting content you grant us permission to use it in connection with operating the website.
Advertising
The website is supported by third-party advertising, including Google AdSense. Advertisements are served by third parties and are clearly separate from our editorial content; their presence is not an endorsement by us. How advertising and advertising cookies work, and how you can control them, is explained in our Privacy Policy.
Links to other websites
Our articles link to external resources — such as IRDAI, insurer websites, government portals and news reports — for your convenience and verification. We do not control those sites and are not responsible for their content, accuracy or availability, and a link does not imply we endorse them. Once you leave Motor Claim Expert, the terms and policies of the destination site apply. If you wish to link to us, you may link to our pages in a normal, non-misleading way that does not suggest any association or endorsement that does not exist.
No advice and no guarantee
Our content is educational and does not constitute legal, financial or professional insurance advice, and it creates no adviser-client relationship. Your policy wording and your insurer’s terms always take precedence, and claim outcomes depend on facts and parties we do not control. The full position, including how we handle accuracy, examples and reliance, is set out in our Disclaimer, which you should read.
Limitation of liability
To the fullest extent permitted by law, Motor Claim Expert, its owner and contributors will not be liable for any loss or damage — direct, indirect or consequential — arising from your use of, or inability to use, the website or its content, or from any third-party site linked from it. Nothing in these terms limits any liability that cannot lawfully be excluded. You use the website, and act on its information, at your own discretion and risk.
Changes to the website and these terms
We may add to, change or remove parts of the website, and we may update these Terms & Conditions from time to time to reflect changes in our content, our practices or the law. The version published on this page is the one that applies, so please review it occasionally. Continuing to use the site after a change means you accept the updated terms.
Governing law
These Terms & Conditions are governed by the laws of India, and any dispute relating to the website or these terms is subject to the jurisdiction of the courts of India.
Contact us
If you have a question about these terms, or you believe something on the website should be corrected, please write to us at support@motorclaimexpert.com. We read and act on these messages.