Third Party Vs. Third Party Fire and Theft Vs. Comprehensive

What’s the difference?

Simply put Third Party insurance protects you from the costs of damage your car causes to someone else’s car or property up to a maximum of MZN 5 000 000.

Third Party Fire & Theft insurance also includes cover for fire, theft, and damage caused as a result of attempted theft.

Comprehensive is just that! It covers your car against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as providing 3rd party insurance.

Askari Disclaimer




Acceptance of Terms

Welcome to Fintech Askari Insurance Consultants (Pty) Ltd (Askari). The following terms of use (“Terms”) govern the use of the askari.co.mz, askariinsure.com, askari.insurance, askari.co.za website(s) (“Website”).

Read these terms carefully before You (“You”) accept these Terms by: (a) placing an order through Askari.co.mz, or (b) otherwise using the Website. If You do not agree with all of these Terms, do not use this Website.

Fintech Askari Insurance Consultants (Pty) Ltd (Askari) is the owner and operator of Askari.co.mz, askari.co.za, askariinsure.com, askari.insurance .

The Terms are entered into by and between Fintech Askari Insurance Consultants (Pty) Ltd and You. Any reference herein to Fintech Askari Insurance Consultants (Pty) Ltd shall be deemed to refer to Fintech Askari Insurance Consultants (Pty) Ltd as applicable under the circumstances. The products offered for sale and other on-line resources accessible via the website, are provided to You, subject to the Terms.

Unless explicitly stated otherwise, the Terms will govern your use of any new features that augment or enhance the Website.

Disclaimer

Your use of this website is at your sole risk. This website is provided by Fintech Askari Insurance Consultants (Pty) Ltd on an “as is” and “as available” basis. Unless otherwise explicitly stated, the content on this website is provided “as is”, “with all faults”, and is for commercial use only. Fintech Askari Insurance Consultants (Pty) Ltd disclaims all express or implied conditions, representations, and warranties of any kind, including any implied warranty or condition of merchantability, fitness for a particular purpose, or non-infringement.

The contents of this site are provided "as is" without warranty of any kind, either expressed or implied, including but not limited to warranties of merchantability, fitness for a purpose and non-infringement.

The owner of this site, the authors of these contents and in general anybody connected to this site in any way, from now on collectively called "Providers", assume no responsibility for errors or omissions in these contents.

Askari takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods

The Providers further do not warrant, guarantee or make any representation regarding the safety, reliability, accuracy, correctness or completeness of these contents. The Providers shall not be liable for any direct, indirect, general, special, incidental or consequential damages (including -without limitation- data loss, lost revenues and lost profit) which may result from the inability to use or the correct or incorrect use, abuse, or misuse of these contents, even if the Providers have been informed of the possibilities of such damages. The Providers cannot assume any obligation or responsibility.

The use of these contents is forbidden in those places where the law does not allow this disclaimer to take full effect.

Askari makes no representations, warranties, conditions or guaranties as to the quality, suitability, truth, accuracy or completeness of any of the content contained on Askari web sites. Askari may make available web sites content available for downloading that has been submitted by third-party users of Fintech Askari Insurance Consultants (Pty) Ltd web sites.

Any questions regarding the content should be directed to the providers of such content. In no event will Askari or its suppliers be liable for the accuracy or completeness of the content or information from Askari web sites.

Fintech Askari Insurance Consultants (Pty) Ltd makes no warranty or condition that:

  • (i) the website will meet your requirements,
  • (ii) the website will be uninterrupted, timely, secure, or error- free,
  • (iii) the results that may be obtained from the use of the website will be accurate or reliable,
  • (iv) the quality of any products, services, information, or other material purchased or obtained by you through the website will meet your expectations, or that
  • (v) any errors in the website software will be corrected. Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, including any damages resulting from computer viruses.

No advice or information, whether oral or written, obtained by you from Fintech Askari Insurance Consultants (Pty) Ltd or through or from the website will create any warranty or condition not expressly stated in the terms. Fintech Askari Insurance Consultants (Pty) Ltd employees are not authorized to vary these terms. Before using this site (“the Site”), please read the Disclaimer and Terms and Conditions of Use Agreement (“Terms of Use”) contained hereunder. Please note that these Terms of Use must be read in conjunction with the Privacy Policy.

By continuing to access or use the Site, you signify that you have thoroughly read and understood the terms contained in these Terms of Use, and that you agree thereto. Should you (hereinafter referred to as “the user”) not agree to the terms contained herein do not proceed to access or use this Site.

Our Rights

We reserve the right to:

  • 1. modify or withdraw, temporarily or permanently, the Website (or any part of) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the Website; and/or
  • 2. change these Conditions from time to time, and your continued use of the Website (or any part of) following such change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether the Conditions have been changed. If you do not agree to any change to the Conditions then you must immediately stop using the Website.
  • 3. We will use our reasonable endeavours to maintain the Website. The Website is subject to change from time to time. You will not be eligible for any compensation because you cannot use any part of the Website or because of a failure, suspension or withdrawal of all or part of the Website due to circumstances beyond our control.

Intellectual Property Rights

Copyright © 2016 – Fintech Askari Insurance Consultants (Pty) Ltd.

All rights not expressly granted are reserved. To obtain permissions for the commercial use of any content on this site e-mail support@askariinsurance.com. This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Users may download, view and print content from this site for private and non-commercial purposes only.

All moral rights of Fintech Askari Insurance Consultants (Pty) Ltd and its employees/agents are reserved.

Fintech Askari Insurance Consultants (Pty) Ltd cannot screen or edit all the content available from the Askari.co.mz site and does not accept any liability for illegal, defamatory or obscene content. Users are encouraged to inform Fintech Askari Insurance Consultants (Pty) Ltd of any content that may be offensive or illegal.

All the content, trademarks and data on this web site, including but not limited to, software, databases, text, graphics, icons, hyperlinks, private information, designs and agreements, are the property of or licensed to Fintech Askari Insurance Consultants (Pty) Ltd and as such are protected from infringement by local and international legislation and treaties.

Your Conduct

You agree to use the Askari website(s) only for lawful purposes. You are prohibited from posting on or transmitting through any Askari Website any content that violates or infringes anyone’s intellectual property rights (including copyrights, trademarks, trade secrets, patents, publicity rights or (to the extent protectable) confidential ideas) or that is obscene, obscene as to minors, child pornography, defamatory, racist, lewd, lascivious, filthy, excessively violent, harassing, or otherwise deemed by Fintech Askari Insurance Consultants (Pty) Ltd to be harmful or objectionable, or that intentionally or unintentionally violates any applicable local, national or international law, or any regulations having the force of law.

Comments, Communications and Other Content

All comments, communications, ideas, and other content disclosed, submitted or offered to Fintech Askari Insurance Consultants (Pty) Ltd on or by this Website or otherwise disclosed, submitted or offered in connection with Your use of this Website (collectively, the “comments”) shall be and remain Fintech Askari Insurance Consultants (Pty) Ltd property. Such disclosure, submission or offer of any comments shall constitute an assignment to Fintech Askari Insurance Consultants (Pty) Ltd of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the comments.

Thus, Fintech Askari Insurance Consultants (Pty) Ltd will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any comments.

Fintech Askari Insurance Consultants (Pty) Ltd is and shall be under no obligation

  • (1) to maintain any comments in confidence.
  • (2) to pay to user any compensation for any comments; or,
  • (3) to respond to any user comments. You agree that no comments submitted by You to the Website will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s).

You further agree that no comments submitted by You to the Website will be or contain libellous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.

Links

The Website may provide, or third parties may provide, links to other Internet sites or resources.

Because Fintech Askari Insurance Consultants (Pty) Ltd has no control over such sites and resources, you acknowledge and agree that Askari is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Askari will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. This Website may be linked to other websites that are not under the control of and are not maintained by Askari. Askari is not responsible for the content of those sites.

Askari is providing these links to You only as a convenience, and the inclusion of any link to such sites does not imply endorsement by Askari of those sites.

Product Availability

Lead time is dependent on availability. Should we have stock available, orders will be dispatched the same day provided payment is validated/received before 1400 hours.

Should the product not be in stock please allow 10 working days plus freight transit time. This will allow for delivery to our offices.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password.

Askari does not sell products for children, but it sells them to adults, who can purchase with a credit card or other means of internet and mobile payment. If you are under 18, you may use Askari only with involvement of a parent or guardian. Askari and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

Askari does not store any credit card information of any kind.

Indemnification

You agree to indemnify and hold Fintech Askari Insurance Consultants (Pty) Ltd, and its subsidiaries, affiliates, officers, agents, co-branders, or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of the use of the Website.

Privacy

Fintech Askari Insurance Consultants (Pty) Ltd (“Askari”) and its employees are committed to protecting your privacy. We will take all reasonable steps to ensure confidentiality of your information on our website. Askari will not collect, collate, process or reveal your personal information without your permission, unless we are legally required to do so.

We are committed to protecting your privacy. This privacy policy applies to all the web pages related to this website.

Askari shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from:

http://www.polity.org.za/attachment.php?aa_id=3569.

All the information gathered in the online forms on the website is used to personally identify users that subscribe to this service. The information will not be used for anything other than which is stated in the Terms & Conditions of use for this service. None of the information will be sold or made available to anyone.

The Site may collect certain information about your visit, such as the name of the Internet service provider and the Internet Protocol (IP) address through which you access the Internet; the date and time you access the Site; the pages that you access while at the Site and the Internet address of the Web site from which you linked directly to our site. This information is used to help improve the Site, analyse trends, and administer the Site.

We may need to change this policy from time to time in order to address new issues and reflect changes on our site. We will post those changes here so that you will always know what information we gather, how we might use that information, and whether we will disclose that information to anyone. Please refer back to this policy regularly. If you have any questions or concerns about our privacy policy, please send us an E-mail.

By using this website, you signify your acceptance of our Privacy Policy. If you do not agree to this policy, please do not use our site. Your continued use of the website following the posting of changes to these terms will mean that you accept those changes.

We will only electronically request, collect, collate, process or store your personal information if it is lawful for us to do so.

By using this website and transmitting information through the website you acknowledge that while Askari will take every provision to ensure that the user Information is being protected by us and that there are risks associated with this transmission and subject to the terms and conditions on this website, are fully aware of such risks.

We will only share non-public personal information with outside parties in limited circumstances permitted by law. Note that we may provide your Personal Information to third parties to process this information on our behalf. We require that these parties agree to process this information based on our instructions and requirements consistent with this Privacy Statement.

We will also not give your personal information to a third party without your consent, unless we are legally required to do so. We will make every effort to ensure that your personal information is kept confidential and secure, by storing it on our secure database.

Information may be accessed if the system is compromised through unauthorised usage, viruses and other illicit means of obtaining data despite reasonable precautionary measures taken by Askari. We therefore cannot and do not guarantee or warrant the security of any information that you transmit on or through our Website.

By use of this website you hereby agree that Askari shall not be held liable for any unauthorised disclosures.

Askari’s website may make use of cookies, a cookie is a small text file which includes a unique identifier that is sent by a web server to your computer, mobile phone or any other internet enabled device when you visit a website.

Cookies are widely used to make websites work efficiently and to collect information about your online preferences. This improves the service we provide to you.

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Please note that your personal information cannot be collected via cookie technology. This Privacy Policy may be amended from time to time without any notice to you, an updated version will be available on this page.

For a more detailed view on our privacy policy please go to the below URL

https://www.askariinsure.com/privacy-policy/

Contact Details

Physical address: 3021 Main Road, Bryanston, Gauteng, South Africa, 2191

Email address: info@askariinsure.com

Phone numbers: +27 11 875 47 00

Cookies

Askari use cookies to improve your experience on our site.

Askari uses cookies to make our websites more user-friendly. We collect data to help us understand our customers better so that we can provide a more focused user experience by using your prior visits to tailor solutions to match your needs. Our cookies do not store sensitive or personally identifiable information and are used to make our website and mobile applications user-friendly.

In the unlikely event that our websites use cookies to store personal information about you, ASKARI encrypts the personal data to prevent unauthorised use by anyone else.

Askari cookies typically save the following information:

  • Save user login details
  • Measure how often you visit our website
  • Target relevant advertising to you

We make use of the following cookies:

  • Necessary cookies (enable use of features)
  • Performance Cookies (information cookies)
  • Functionality Cookies (help provide a more personalised experience)

Electronic Invoices

You hereby agree to accept your invoices, tax invoices and other tax documents in electronic form, whether it be emailed or be available for download on the website.

Delivery Policy

When you click to make a purchase with us legal obligations arise and your right to refund of monies charged to your credit card or paid in any other way agreed by us, are limited by our terms & conditions. You must not make any purchase through this site unless you understand and agree all our terms and conditions. Once payment is made for the purchase, it is deemed that you have read and understood the terms and conditions for such purchase.

Subject to availability and receipt of payment, requests will be processed within 1 days and delivery confirmed by way electronic receipt and Certificate of Insurance.

If you have any queries, please contact us before making any purchase for any service through this website, or via email on support@askariinsure.com

Shipping

Please ensure the correct address is provided from the outset as title and risk will pass to you once the order has left our premises.

Occasionally packages are returned to us undeliverable. Should this event take place every attempt will be made to contact you to make arrangements for re-shipment if applicable to the insurance packaged purchased.

Cancellations and Refund Policy

Fintech Askari Insurance Consultants (Pty) Ltd will not do any cancellations through the website, all returns may only be done through consulting with one of our employees.

All enquiries can be made through support@askariinsurance.com

This e-mail address is being protected from spambots.

Due to the nature of the products being sold Fintech Askari Insurance Consultants (Pty) Ltd will not accept any returns on a product that have passed the inception date of insurance as according to the insurance partners and applicable legislation these policies are in force.

Refunds for pending policies will take place to the customers bank account that was used to conduct the transaction within 72 hours of a cancellation request.

Any orders placed by fault need to be communicated in writing to Fintech Askari Insurance Consultants (Pty) Ltd within 3 days and before the insurance product incepts.

All other faults will be the full responsibility of the purchaser due to the nature of the insurance product.

Should you for any reason wish to cancel your purchase you will be liable for a 15% handling fee.

All Third-Party Insurance Purchases are subject to the following terms and conditions:

  • Payment is due as soon as purchase is made.
  • All prices quoted for the Policies are including taxes where applicable and includes all fees and taxes mandated by the various regulatory agencies.
  • For Mozambique cancellations or postponements received after the specified inception date of insurance will be charged in full as the policy is in force in Mozambique for the full duration of the policy purchased.
  • For the COMESA Yellow Card cancellations or postponements received after inception date of insurance will be prorated dependant on the duration of the policy that is in force across COMESA for the remaining duration of the policy purchased. Policies that have incepted and are within a 30 day period will not be applicable for a refund as the policy is considered in force.

Local Access Restrictions

The Site and all the Content and functionality contained within it is not directed to or intended for use by any person resident or located in any country where the distribution of such Content or functionality is contrary to the laws, rules or regulations of such country.

The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorisations and such licenses or authorisations have not been obtained. If any such local access restriction applies to the user, the user is not authorised to access the Site or use any of the Content on it.

Askari does not intend to provide legal or tax advice through any the Site.

Askari and its affiliates do not warrant that the Site or any other websites that may be linked to through the Site, will be uninterrupted, error free, free of viruses, defects or harmful components, compatible with the user’s computer equipment or fit for any purpose.

Any and all information contained on, or which may be transmitted through, the Site is not to be regarded as a recommendation and does not purport to give any advice whatsoever and should not be construed as such.

Askari, together with anybody related thereto, makes no representations and/or warranties, express or implied, in respect of the services provided on the Site. To the fullest extent permissible by applicable law, Askari hereby disclaims all warranties of any kind, either express or implied, including any warranties concerning the availability, accuracy, usefulness, merchantability or fitness for a particular purpose, with respect to the content, information, data, services, products provided through or in connection with the site, uninterrupted access, the site is free of viruses or the like.

Electronic Communications

In the event that the user subscribes to any mailing services or communicates with Askari through the Site or by way of email the user may have to provide their email address.

By providing their email address the user consents to Askari retaining the user’s contact details and expressly consents to receiving communications from Askari which shall include, but not be limited to, requesting clarifications or additional comments; sending Askari publications; sending information about Askari events; asking for the user’s participation in surveys or polls; sending information about services and solutions or other marketing information of Askari.

In addition, the user agrees that all agreements, notices, disclosures and other communications sent by Askari satisfies any legal requirements, including but not limited to the requirement that such communications should be “in writing”.

Security

Askari takes appropriate technical and organisational measures against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although Askari takes appropriate measures to protect the security of the information communicated through the site, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorisation.

As such Askari cannot and does not guarantee that information displayed on the Site has not been modified by others without authorisation or that information communicated by the user to Askari will be received or that it will not be altered before or after its transmission.

Askari and its affiliates shall not responsible for security breaches occurring on the site which may result due to the lack of adequate virus protection software or spyware that the user may inadvertently have installed on his / her device. Any person that delivers or attempts to deliver any damaging code to this Site or attempts to gain unauthorized access to any page on this website shall be prosecuted and civil damages shall be claimed in the event that Askari suffers any damage or loss.

The user agrees and warrants that his/her log-in name and password shall: be used for personal use only; and not be disclosed to any third party.

The user hereby grants and consents to Askari taking all reasonable steps to ensure the integrity and security of the Site and back-office applications.

Use of Information

Askari expressly reserves the right, in its sole and absolute discretion, to remove, alter, modify, supplement and/or restrict access to the services, content, information, software, or file(s) appearing on or transmitted through this Site.

The user hereby ratifies, guarantees and agrees to be personally liable for any and all obligations entered into or assumed by others who use the information, content or services through his/her user account.

Askari and its affiliates shall not be liable, and the user hereby waives any claim, for the remission and/or refund of any payment due to the site not being operational for any period of time.

Updating of these terms and conditions

ASKARI may, in its sole discretion, change this agreement or any part thereof at any time without notice.

We reserve the right to change, modify, add to or remove from portions or the whole of these Terms and Conditions from time to time.

Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is the User’s obligation to periodically check these Terms and Conditions at the Website for changes or updates.

The User’s continued use of this Website following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.

Indemnity

The user agrees to indemnify defend and hold harmless Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates (“the Indemnitees”) from and against any and all claim, loss, damages (including but not limited to direct, incidental, special, consequential, indirect or punitive) expense, or demand or liability, including attorneys’ fees and costs, incurred by the Indemnitees arising out of (i) any claim by a third party relating to the posting, distribution, modification or alteration by the user of any content, or (ii) the user’s use of the Site in breach of these Terms of Use or in breach of any applicable law or (iii) any breach of these Terms of Use.

The user agrees to cooperate with the Indemnitees as reasonably required in the defence of any such claims. The Indemnitees reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by the user, and the user shall not in any event settle any such claim or matter without the written consent of Askari.

Limitations of Liability

Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates assume no responsibility, and shall not be liable for, any damages or loss (especially loss of data, alteration of data, or downtime) to, or viruses that may infect the user’s computer, telecommunication equipment, software or other property caused by or arising from the user’s access to, use of, or browsing this Site or the user’s downloading of any materials, from this Site.

If the user is accessing this Site from outside the United Kingdom the user is responsible for ensuring that his/her use of the Site is in accordance with the laws of the country of his/her residence or the jurisdiction from which he/she is accessing the Site.

Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates disclaims and excludes all liability howsoever arising and of whatsoever nature to the user in the event that the user’s use of the Site is contrary to the laws of the country of the user’s residence or from which the user is accessing the Site.

In no event including, but not limited to, negligence, breach of contract or otherwise and regardless of whether the damage was foreseeable or not will Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates be liable for any direct, indirect, special, punitive, incidental or consequential damages (including, without limitation, those resulting from lost profits, lost data or business interruption), liability or costs arising out of the use, inability to use, or the results of use of this Site, any error or inaccuracies in any information or material within or relating to the Site, any representations or statements made on the Site, any reliance upon or use of any information or material on the Site, any websites linked to this Site, or the materials, information or services contained at any or all such websites.

User Information

Other than personally identifiable information, which is subject to the Privacy Policy, any material, information, suggestions, ideas, concepts, know-how, techniques, questions, comments or any other communication the user transmits or posts to this Site in any manner (“User Communications”) is and will be considered non-confidential and non-proprietary.

Askari and its affiliates may use any or all User Communications for any purpose whatsoever, including, without limitation, reproduction, transmission, disclosure, publication, broadcast, development, manufacturing and/or marketing in any manner whatsoever for any or all commercial or non-commercial purposes.

Askari and its affiliates shall have no obligation to use, return, review, or respond to any User Communications. Askari and its affiliates will have no liability related to the content of any such User Communications. Askari retains the right to remove any or all User Communications that includes any material it deems inappropriate or unacceptable.

User Submissions and inappropriate Material

The user is prohibited from posting or transmitting any unlawful, threatening, defamatory, libellous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or violate any law. In addition to any remedies that Askari and its affiliates may have at law, and without prejudice to same, if Askari reasonably determines that the user has violated or is likely to violate the foregoing prohibitions, Askari may take any action it reasonably deems necessary to cure or prevent the violation, including without limitation, the immediate removal from this Site of the related materials. Askari reserves the right to deny the user access to the Site at any time, in particular if the user breaches the above provision.

Intellectual Property Rights

Intellectual Property Rights in and to, inter alia, the Contents contained on the Site are the sole and exclusive property of Askari or any other third party as directed by Askari. The user does not acquire, by virtue of his/her use of the Site, any rights, title or interest in any of the Intellectual Property Rights in the Content or the Site.

It is recorded that the trademarks, trade names, logos and the like used on this Site are registered or unregistered trademarks, trade names or logos of Askari, unless specifically indicated as belonging to a third party. The user acknowledges that all right, title and interest to the trademarks, trade names, logos and the like will vest in Askari and nothing contained on this Site grants or should be construed as granting, by implication, estoppel, or otherwise, any license or other right to use any trademarks, trade names, logos and the like displayed on this Site without Askari’s prior written approval.

The user is granted permission to display, copy, distribute and download the Content on the Site for personal, non-commercial use only, provided the user:

  • (i) keeps intact all copyright and other proprietary notices;
  • (ii) makes no modifications to the Content on the Site;
  • (iii) does not use the Content on the Site in a manner that suggests an association with any products, services, or brands; and
  • (iv) does not download the Content to a database that can be used to avoid future downloads from the Site.

The user must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from the Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be Askari or another third party).

The copyright in some Content available on the Site may belong to third parties (“Third Party Content”). It is the user’s responsibility to check copyright notices on or in respect of individual Third-Party Content.

Except as specified in these Terms of Use, the user is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.

Jurisdiction and Governing Laws

The Conditions will be exclusively governed by and construed in accordance with the laws of South Africa whose Courts will have exclusive jurisdiction in any dispute, save that we have the right, at our sole discretion, to commence and pursue proceedings in alternative jurisdictions.

General Terms

These Terms of Use shall commence when the user accepts such terms and conditions and continues indefinitely until terminated by Askari.

The user may not assign, transfer or otherwise deal in any way with these Terms of Use or any of its rights, obligations or liabilities under these Terms of Use, without prior written consent of Askari.

Askari’s rights under these Terms of Use may be exercised as often as necessary. They are cumulative and not exclusive of rights or remedies provided by law, rules and regulations. They may be waived only in writing and specifically. Delay in the exercise or non-exercise of any such right is not a waiver of that right. An express or implied waiver of any of the provisions or of any breach of or default in performing any of the provisions of these Terms of Use will not constitute a continuing waiver and that waiver will not prevent the waiving party from subsequently enforcing any of the provisions of these Terms of Use not waived or from acting on any subsequent breach of or default by the other party under any of the provisions of these Terms of Use.

Any notice or other communication given under or in connection with these Terms of Use will be in English. All other documents provided under or in connection with these Terms of Use will be in English. A document in another language must be accompanied by a certified English translation. In such a situation the English translation will prevail, unless the document is a statutory or other official document.

If any provision of these Terms of Use is held invalid or unenforceable for any reason, that provision is fully severable from the remaining provisions of these Terms of Use and the remaining provisions are nevertheless valid and enforceable as if those of the provisions held invalid or unenforceable were not part of this Term of Use.

In addition, if a provision of these Terms of Use is or becomes illegal, invalid or unenforceable in any country, that will not affect the legality, validity or enforceability in that country of any other provision or in other jurisdictions of that or any other provisions of these Terms of Use.

These Terms of Use constitutes the entire agreement between Askari and its affiliates, and the user with regard to the use of the Content and this Site.

Address Details

This site is owned and operated by Fintech Askari Insurance Consultants (Pty) Ltd.

Fintech Askari Insurance Consultants (Pty) Ltd is in the Republic of South Africa with its physical address being 3021 William Nicol Road, Bryanston , Gauteng.

International Commercial & Engineering (ICE) Insurance Services Ltd t/a Askari Insurance Services United Kingdom Registration No.: 03155942 |

Registered Office: 1-2 Craven Road, London, England, W5 2UA, United Kingdom

Authorised and Regulated by the Financial Conduct Authority (FCA) registration number: 314197

Transactional Currency

All transactions for the purchase of cross border tourist insurance for Mozambique are conducted in South African Rand (ZAR)

Disclosure of outlet country at time of payment

Standard Bank

South Africa

Payment Options and Pricing

All transactions will be processed in South African Rands (ZAR).

Fintech Askari Insurance Consultants (Pty) Ltd reserves the right to change pricing at any time without prior notice.

Should Fintech Askari Insurance Consultants (Pty) Ltd reduce its price on any shipped products within 10 working days of shipment, you may contact us and request a refund of the difference between the price you were charged and the reduced selling price. To receive the refund, you must contact us within 14 days of purchase but before the policy incepts.

Card acquiring and security

Card transactions will be acquired for Askari via PayGate (Pty) Ltd who are the approved payment gateway for all South African

Acquiring Banks. DPO PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

Customer details separate from card details

Customer details will be stored by ASKARI separately from card details which are entered by the client on DPO PayGate’s secure site. For more detail on DPO PayGate refer to www.paygate.co.za.

Card Payments

We accept MasterCard and Visa credit cards. If you do not have a credit card please utilise one of the other payment options, or simply log off and return to the site at a later time to complete your order. All of your order details will be saved online under in the Your Account section available for use whenever you’re ready! Sorry for the inconvenience.

For more information about how to order, special order requirements and other payment options, please contact our Support Team on support@askariinsure.com

Card Security Policy

PayGate process all credit card transactions. All credit card transactions are 128 bit Secure Socket Layers (SSL) encrypted. The company registration documents and the site's registered domain name are checked and verified by Thawte, ensuring the cardholder and merchant that nobody can impersonate PayGate to obtain confidential information.

PayGate is committed to providing secure online services. All encryption complies with international standards. Encryption is used to protect the transmission of personal information when completing online transactions. PayGate Internet servers are protected by firewalls and intrusion detection systems.

The Merchant does not have access to credit details.

PayGate continually reviews and enhances its security in line with technological changes.

Country of domicile

This website is governed by the laws of South Africa and Askari chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, 3021 Main Road, Bryanston, Gauteng, South Africa, 2191

Consent

I understand that all the designs and trademarks are registered to Fintech Askari insurance Consultants (Pty) Ltd and hereby accept the terms and conditions. I undertake not to copy/duplicate the trademarks and designs directly or indirectly in anyway and understand the legal implications thereof. Should I be found to be in violation of this agreement I understand that I will be held liable for all legal costs incurred by Fintech Askari insurance Consultants (Pty) Ltd for any civil action or any legal action deemed necessary against me.

Company information

This website is run by Fintech Askari Insurance Consultants (Pty) Ltd a private company based in South Africa trading as Askari with company registration number 2016/538106/07

Physical address: 3021 Main Road, Bryanston, Gauteng, South Africa, 2191