Travel insurance

1. General Information

1.1. All visitors to this website (hereinafter - the Users) must comply with the Terms of Use of the Website (hereinafter - the Terms). By confirming that reading the Terms and agreeing with them on the website, the Users must comply with the Terms and assume the responsibility for non-compliance.

1.2. The Terms have been prepared in accordance with the laws of the Republic of Lithuania.

1.3. On this website, you can calculate the amount of traveling insurance premium agreement, pay the calculated insurance premium, make a travel insurance agreement and receive other related services.

1.4. The Users must use this website only for lawful purposes without violating the rights and (or) legitimate interests of AB “Lietuvos draudimas”, third parties and without limiting their use of this website.

1.5. If any provision of the Terms is due to expire, it will not affect the validity of other provisions of the Terms.

2. Terms and Conditions of the making insurance agreement and transferring the insurance policy

2.1. To find out the calculated amount of the insurance premiums for the travel insurance agreement and make such an agreement, the User must provide the necessary information on this website (e.g. destination, type and period of the travel), including personal data (e.g. names of the travellers).

2.2. Before making a travel insurance agreement, the User must read and tick on this website that he/she agrees with the Complex Travel Insurance Terms No 056 of AB “Lietuvos draudimas”. In addition, current Complex Travel Insurance Terms are published on AB “Lietuvos draudimas” website at: http://www.ld.lt/keliones-draudimas.

2.3. Travel insurance agreement is considered to be made from the moment when the User pays a premium for the travel insurance agreement to AB “Lietuvos draudimas” which is calculated on this website. Travel insurance agreement enters into force on the date provided in the insurance agreement. The insurance agreement is valid only if it was concluded before the beginning of the travel.

2.4. You can pay for the travel insurance agreement made on this website by choosing one of the following e-banking services on the website. AB “Lietuvos draudimas” is not liable for the quality of the services offered by these e-banks.

2.5. After making a travel insurance agreement, AB “Lietuvos draudimas” transfers insurance documents (insurance policy) to the User's email provided on this website. If the User who made a travel insurance agreement provides with a false email or does not receive insurance documents for any other reasons, he/she may print these documents on AB “Lietuvos draudimas” self-service website Savas LD or contact AB “Lietuvos draudimas” by telephone 1828 or email info@ld.lt.

2.6. The Users who are using this website have to be fair and lawful. Illegal transfer or handling of the information (including personal information), use of e-banking data is prohibited, and such actions subject to a statutory responsibility.

2.7. The User must provide with accurate and correct information on this website and he/she shall assume relevant responsibility.

2.8. It is prohibited to use this website via programmes sending automated queries to the website.

3. Privacy Policy

3.1. AB “Lietuvos draudimas” is registered in the State Personal Data Managers Register and has been granted with a status of a personal data manager. AB “Lietuvos draudimas” has the right to process personal data inter alia to make and execute non-life insurance agreements as well as conduct direct marketing.

3.2. While processing personal data, AB “Lietuvos draudimas” follows the requirements of personal data processing stipulated in the Law on Personal Data Protection of the Republic of Lithuania and other legal acts related to the protection of personal data.

3.3. The User willing to use the services provided by this website must provide the following personal data: his/her and other travellers' names and surnames, personal codes, addresses, registration addresses and contact details.

3.4. By submitting personal data on this website, the User confirms to have the right to submit such data and make decisions on their handling, i.e. that he/she is the object of the personal data provided or a person duly authorized to submit the other person's data and assumes full responsibility for the losses which may be incurred by AB “Lietuvos draudimas” and (or) third parties due to unauthorized provision of the personal data and (or) other handling.

3.5. By specifying necessary personal data and other information on this website, the User shall be deemed duly to give the consent to AB “Lietuvos draudimas” to handle this information to the extent it is necessary to provide services on this website and administer the travel insurance agreements, and the consent to the AB “Lietuvos draudimas” to provide the User with estimated insurance premium for the travel insurance as an offer to make such an agreement.

3.6. By using this website, the User shall be deemed duly to give the consent to AB “Lietuvos draudimas” to handle the personal data specified on the website by AB “Lietuvos draudimas” for direct marketing purposes, including the cases when the amount of the insurance premium for the travel insurance agreement has been calculated on this website but the agreement has not been concluded. The Users may cancel this confirmation by contacting AB “Lietuvos draudimas” by telephone 1828, email info@ld.lt.

3.7. AB “Lietuvos draudimas” shall not disclose the Users' personal data and not transfer them to third parties, except for the cases when it is done to provide services on this website and (or) it is required by the applicable legislation.

3.8. While processing personal data for the purposes referred to in this paragraph to the Terms, AB “Lietuvos draudimas” is implementing organizational and technical measures to protect personal data against accidental or unlawful destruction, alteration, disclosure or any other unlawful handling.

4. Intellectual Property Rights

4.1. All intellectual property rights related to this website belong to AB “Lietuvos draudimas”. Any reproduction, distribution, storage or any other use of the content of this website or a part of it without AB “Lietuvos draudimas” permission is prohibited and subject to a statutory responsibility.

5. Other Terms and Conditions

5.1. If the User or AB “Lietuvos draudimas” does not execute or executes the obligations referred to in these Terms inadequately, they must compensate all the losses to AB “Lietuvos draudimas” and (or) third parties incurred due to it.

5.2. All disputes arising out of the use of this website shall be settled by the User and AB “Lietuvos draudimas” by negotiations. If the dispute is not resolved in this way, then it shall be settled in accordance with the procedure provided in the law of the Republic of Lithuania.

5.3. These Terms are valid for an unlimited period. AB “Lietuvos draudimas” has the right to unilaterally change the provisions of the Rules.