Last Updated / Effective Date: August 7, 2026
Welcome to Insurance JITO (accessible via our official web portal, mobile interface, and digital interfaces, collectively referred to as the "Platform").
Insurance JITO is a brand owned, maintained, and operated by V.I.M ("Company", "We", "Us", or "Our").
Please read these Terms and Conditions ("Terms", "Terms of Use", or "Agreement") carefully before accessing, browsing, registering, or using any service offered through our Platform. By accessing or using the Platform, you ("User", "Customer", "You", or "Your") acknowledge that you have read, understood, and agreed to be legally bound by these Terms, our Privacy Policy, Disclaimer, and Cancellation & Refund Policy.
If you do not agree with any part of these Terms, you must immediately cease accessing or using this Platform.
In compliance with the Information Technology Act, 2000, Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and regulations laid down by the Insurance Regulatory and Development Authority of India (IRDAI), the statutory and corporate details of the platform operator are provided below:
Legal Entity Name: Insurance JITO, a brand under V.I.M
Registered Office Address: 706, 7th Floor, OM Tower, 32 Chowringhee Road, Park Street, Kolkata, West Bengal – 700071, India.
IRDAI License / Category: Other Intermediary / Authorized Insurance Facilitator
GSTIN: Available on tax invoices generated upon transaction completion.
Support Email: info@insurancejito.com
Support Contact Number: +91 94777 57905
Grievance Email: info@insurancejito.com
Grievance Phone: +91 94777 57905
Insurance JITO operates as a digital insurance service facilitator across life, health, motor, travel, commercial, and general insurance categories. Our services include, but are not limited to, the following ("Services"):
Policy Comparison: Providing dynamic comparison tools to evaluate premium quotes, coverage benefits, riders, policy terms, exclusions, and key features of policies issued by various IRDAI-registered insurance companies in India.
Policy Purchase Facilitation: Assisting users in selecting, filling out proposals, uploading mandatory KYC/supporting documents, and making online premium payments directly to the designated insurance company.
Policy Renewals: Reminding users of upcoming policy expirations and facilitating seamless online policy renewal with respective insurers.
Claims Assistance: Providing guidance, claim form support, document aggregation, and coordination with insurers or Third-Party Administrators (TPAs) to assist in processing claims.
Facilitator Status: Insurance JITO acts solely as a digital facilitator and customer service intermediary. We are not an insurance company, underwriter, or risk bearer.
Underwriting Discretion: All insurance coverage, policy issuance, risk assessment, premium loading, exclusions, and claim approvals/rejections are at the sole, absolute, and unreviewable discretion of the respective IRDAI-registered Insurance Company underwriting the policy.
No Guarantee of Approval: Submission of an application or payment of premium through our Platform does not guarantee policy issuance or claim approval. The contract of insurance is formed directly between You (the Policyholder) and the Insurance Company.
Non-Liability for Insurer Actions: Insurance JITO, its proprietor, directors, officers, employees, or affiliates shall not be held liable or responsible for any deficiency of service, delay, dispute, rejection of claim, or policy cancellation originating from the underwriting insurance company.
By accessing or using our Platform, you represent, warrant, and guarantee that:
You are at least 18 years of age and possess the legal capacity to enter into a binding contract under the Indian Contract Act, 1872.
You are an Indian resident or an NRI / Person of Indian Origin (PIO) eligible to purchase insurance products under applicable Indian laws and FEMA regulations.
All information, documents, and disclosures provided by you during registration, quote generation, or proposal submission are complete, accurate, authentic, and up-to-date.
You are purchasing insurance for lawful purposes and not for money laundering, fraudulent activities, or unlawful gain.
Account Registration: To access certain features (such as policy management, renewal tracking, or claim assistance requests), you may be required to register and create an account by providing your mobile number, email address, and personal details.
OTP Authentication: Access to your account or proposal completion may utilize One-Time Passwords (OTPs) sent to your registered mobile number/email address.
Security Responsibility: You are solely responsible for maintaining the confidentiality of your account login credentials and OTPs. Any action, transaction, or communication originated under your account will be deemed to have been authorized by you.
Unauthorized Access: You agree to notify Insurance JITO immediately at info@insurancejito.com in the event of any unauthorized access, breach of security, or suspicion of fraudulent account activity.
Insurance contracts in India are governed strictly by the doctrine of Utmost Good Faith (Uberrimae Fidei).
Duty of Full Disclosure: You are legally required to disclose all material facts fully, accurately, and honestly when filling out any proposal form or insurance query on the Platform. Material facts include, but are not limited to:
Existing or past medical conditions, surgeries, chronic illnesses, or family health history.
Occupation, hazardous hobbies, lifestyle habits (tobacco, alcohol, smoking habits).
Existing or previously rejected/cancelled insurance policies.
Accurate vehicle ownership details, NCB (No Claim Bonus) history, and previous claim records for motor policies.
Consequences of Non-Disclosure / Fraud: Suppression, misrepresentation, fraud, or non-disclosure of any material facts may result in:
Immediate voidance or cancellation of the insurance policy ab initio (from inception).
Complete rejection of claims by the insurance company without premium refund under Section 45 of the Insurance Act, 1938.
Legal prosecution under applicable laws.
User Indemnity: Insurance JITO explicitly disclaims all liability resulting from policy rejection, claim denial, or policy cancellation caused by incorrect, incomplete, false, or misleading information supplied by You.
Ownership: All content, designs, texts, graphics, logos, icons, button graphics, software, code, video clips, and arrangement thereof on the Platform are the exclusive intellectual property of Insurance JITO (a brand under V.I.M) or its licensors, protected under Indian and international copyright, trademark, and intellectual property laws.
Restrictions: You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Platform strictly for personal and non-commercial purposes. You shall not:
Copy, modify, reproduce, distribute, display, transmit, publish, or create derivative works from any content on this Platform.
Reverse engineer, decompile, or disassemble any software underlying the Platform.
Use web scrapers, crawlers, robots, or automated data gathering tools to extract data from the Platform without prior written consent.
Direct Premium Payment: All premium payments made on the Platform are routed through secure, PCI-DSS compliant payment gateways directly to the designated Insurance Company's bank account or escrow account, or collected on their behalf in accordance with IRDAI guidelines.
No Platform Surcharges: Unless explicitly stated otherwise, Insurance JITO does not charge users any additional portal convenience fee for policy comparison or purchasing assistance.
Free Look Period:
In accordance with IRDAI regulations, life and health insurance policies offer a Free Look Period (typically 15 to 30 days from policy receipt) during which you may review the policy terms.
If you disagree with any terms, you may request policy cancellation directly through the insurer or via our claims/support team within the Free Look Period for a refund, subject to deductions permitted under IRDAI guidelines (e.g., medical examination fees, stamp duty, pro-rata risk cover).
Cancellation & Refunds: Premium refunds for motor, travel, or general insurance policies are subject strictly to the cancellation and short-period refund rules set by the respective insurance company. Insurance JITO is not responsible for delays in refund processing by the insurer.
"As Is" Basis: The Platform and all quotes, information, comparisons, and tools contained herein are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
No Warranty on Third-Party Data: Premium quotes, plan features, policy clauses, and coverage details displayed on the Platform are derived directly from inputs provided by insurance companies. While we strive to maintain absolute accuracy, Insurance JITO does not guarantee that quotes or plan details will always be error-free, uninterrupted, or real-time.
Financial & Professional Advice Disclaimer: Information available on the Platform is intended solely for educational and comparison purposes. It does not constitute legal, tax, or professional financial advice. You are advised to review the official policy clause wordings provided by the insurance company before finalizing a purchase.
Cap on Liability: To the maximum extent permitted under law, Insurance JITO, V.I.M, its proprietors, partners, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages (including loss of profits, business interruption, loss of data, or claim rejection losses) arising out of or in connection with:
Your use of or inability to use the Platform.
Decisions taken or policies purchased based on comparisons on the Platform.
Actions, delays, omissions, or insolvency of any insurance company.
Unauthorized access to or alteration of your transmissions or data.
Electronic Consent: By providing your name, email address, and contact number on the Platform, you expressly consent to receive communications from Insurance JITO via Phone Calls, SMS, WhatsApp, Email, or Push Notifications regarding quotes, policy updates, payment reminders, renewal notices, and claims status updates.
Override of DND / National Do Not Call (NDNC) Registry: You expressly agree that such communications shall not be treated as Unsolicited Commercial Communications (UCC) under TRAI regulations, and you waive your rights under the National Do Not Call Registry for communications originating from Insurance JITO regarding your queries or requested services.
Opt-Out: You may opt out of promotional communications at any time by clicking the "Unsubscribe" link in our emails or contacting info@insurancejito.com. However, operational communications regarding active policy renewals or ongoing claims cannot be opted out of.
Your privacy is paramount to us. Processing of your personal data, medical information, contact details, and financial transactions is governed by our Privacy Policy, which complies with the Information Technology Act, 2000, and the Digital Personal Data Protection (DPDP) Act, 2023. By using our Platform, you consent to the collection, storage, processing, and sharing of your data with insurance companies, TPAs, payment gateways, and regulatory bodies as required for policy servicing and regulatory compliance.
You agree not to engage in any of the following prohibited activities on the Platform:
Submitting fraudulent, forged, altered, or unauthorized documents or medical records.
Impersonating any person, business entity, or representative.
Uploading malicious code, viruses, trojans, logic bombs, or harmful data designed to damage or disrupt the Platform’s infrastructure.
Circumventing, disabling, or interfering with security features of the Platform.
Using the Platform for any activity that violates applicable local, state, national, or international laws or IRDAI regulations.
The Platform may contain links or redirects to third-party websites (such as insurance company portals, payment gateways, or partner services). Insurance JITO exercises no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. Accessing third-party links is done entirely at your own risk.
You agree to defend, indemnify, and hold harmless Insurance JITO, its parent entity V.I.M, its proprietors, directors, officers, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal/attorney fees) arising out of or relating to:
Your breach or violation of these Terms & Conditions.
Any false, misleading, or incorrect information submitted by you during proposal filling or claim submission.
Your violation of any third-party right, including intellectual property or privacy rights.
Your violation of applicable laws, rules, or IRDAI regulations.
Insurance JITO reserves the right, at its sole discretion, to modify, amend, update, or replace these Terms & Conditions at any time without prior notice. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of the Platform after any modifications constitutes acceptance of those changes.
Governing Law: These Terms, your access to and use of the Platform, and any disputes arising out of or related to our Services shall be governed by, interpreted, and construed strictly in accordance with the laws of the Republic of India, without regard to conflict of law principles.
Jurisdiction: Subject to the dispute resolution procedure below, any legal suit, action, or proceeding arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the competent courts situated at Kolkata, West Bengal, India.
In compliance with the Information Technology Act, 2000, Consumer Protection Act, 2019, and IRDAI regulations, Insurance JITO has established a dedicated Grievance Redressal framework to address customer concerns, service complaints, or data grievances.
Step 1: Support Level
For general queries, service requests, or initial complaints regarding policy comparison, purchase, renewals, or claims assistance, contact our support team:
Email: info@insurancejito.com
Phone: +91 94777 57905
Working Hours: Monday to Saturday, 10:00 AM – 6:00 PM IST (excluding public holidays)
Step 2: Nodal Grievance Officer
If your complaint is not resolved within 14 working days, or if you are dissatisfied with the resolution provided by Support Level 1, you may escalate the matter to our designated Grievance Redressal Officer:
Grievance Officer Name: Mr. P. Swain
Official Address: Insurance JITO (a brand under V.I.M), 706, 7th Floor, OM Tower, 32 Chowringhee Road, Park Street, Kolkata, West Bengal – 700071, India.
Grievance Email: info@insurancejito.com
Direct Contact Number: +91 94777 57905
Please quote your Policy Number / Ticket Reference Number in all communications sent to the Grievance Officer.
Step 3: Insurance Company & IRDAI Escalation
Insurance Company Grievance Cell: If the complaint pertains to policy terms, underwriting decision, rejection of claim, or delay in claim settlement by the insurer, the matter will be forwarded to the Grievance Redressal Officer (GRO) of the concerned Insurance Company.
IRDAI BIMA BHAROSA: If your complaint remains unresolved by the insurer within 15 days of escalation, you may register a complaint with the IRDAI through:
Bima Bharosa Portal: https://bimabharosa.irdai.gov.in
IRDAI Toll-Free Number: 155255 / 1800 4254 732
Insurance Ombudsman: Policyholders may also approach the Insurance Ombudsman having jurisdiction over the location (e.g., Kolkata Ombudsman Office for West Bengal).
For any questions, legal notices, or feedback regarding these Terms and Conditions, please reach out to us at:
Insurance JITO
Registered & Corporate Address: 706, 7th Floor, OM Tower, 32 Chowringhee Road, Park Street, Kolkata, West Bengal – 700071, India.
Email: info@insurancejito.com
Phone: +91 94777 57905