Online travel insurance

1. General

1.1. All the visitors of this website (hereinafter – the Users) shall comply with the rules for use of this website (hereinafter – the Rules). By confirming on the website that they have familiarised with the Rules and agree with them, the Users undertake to comply with these Rules and assume liability for non-compliance therewith.

1.2. The Rules have been drawn up pursuant to the legal acts in force in the Republic of Lithuania.

1.3. The website is intended for calculation of the amount of the travel insurance premium, payment of the calculated insurance premium, conclusion of the travel insurance contract and provision of other related services.

1.4. The Users shall be obliged to use this website only for the lawful purposes and only in a manner that is not prejudicial to the rights and/or lawful interests of Lietuvos draudimas AB or the third persons, or restricts their possibilities to use this website.

1.5. If any of the provisions of the Rules is deemed null and void, it shall not affect the validity of other provisions of the Rules.

2. Terms and Conditions of the conclusion of the insurance contract and transfer of the insurance policy

2.1. In order to calculate the amount of premium of the travel insurance and conclude the contract, the User must provide the required information on this website (e.g., travel destination, type and period), including personal data (e.g., names and surnames of travellers).

2.2. Please be informed that pursuant to the requirements of the Republic of Lithuania Law on Insurance and other legal acts, for the purposes of conclusion and implementation of the contract, the Insurer or its authorised third persons shall have the right to process the data you provide and/or contact the state registers, banks, law enforcement authorities, insurance companies and other third persons who possess the required information, asking them to provide the data required for examination of the request for conclusion of the contract with consideration of the events that occurred during the contract period and determining the amounts of premiums.

2.3. Prior to conclusion of the travel insurance contract, the User shall be obliged to familiarise and state his/her agreement with the Travel Insurance Terms and Conditions No 056 of Lietuvos draudimas AB. The valid Travel Insurance Terms and Conditions shall also be published on the website of Lietuvos draudimas AB www.ld.lt/keliones-draudimas.

2.4. The travel insurance contract shall be concluded as of the moment of payment of the insurance premium for the travel insurance contract by the User in the amount calculated and indicated on the website of Lietuvos draudimas AB. The travel insurance contract shall come into force as of the date indicated in the insurance contract. The insurance contract shall be valid only if concluded prior to start of the journey.

2.5. The payment for the travel insurance contract concluded via this website shall be made by using the e-banking services of one of the banks indicated on the website. Lietuvos draudimas AB shall not be held responsible for the quality of e-banking services provided by these banks.

2.6. Upon conclusion of the travel insurance contract, Lietuvos draudimas AB shall send to the User the insurance documents (insurance policy) to the User's e-mail address indicated on this website. If the User who, concluded the travel insurance contract, indicates faulty e-mail address or due to other reasons is unable to receive the insurance documents, these documents can be printed out by logging in to Savas LD self-service website of Lietuvos draudimas AB or by contacting Lietuvos draudimas AB by phone by calling 1828 or e-mail at info@ld.lt.

2.7. The Users shall act honestly and lawfully when using this website. Provision of false information (including personal data) or other processing thereof, and use of e-banking data of others shall be forbidden; such actions shall be subject to liability as prescribed in the legal acts.

2.8. It shall be forbidden to use this website via the programmes sending automatic inquiries to the website.

3. Privacy Policy

3.1. Lietuvos draudimas AB shall have the right to process personal data, inter alia, for the purposes of conclusion and performance of non-life insurance contract, as well as direct marketing.

3.2. When processing personal data, Lietuvos draudimas AB shall act in accordance with the requirements for processing of personal data set forth in the General Data Protection Regulation and other legal acts.

3.3. The User wishing to use the services offered by this website must indicate the following personal data: travel destination (territory) and type, name and surname, personal ID number, registration address and contact details (registration address, mobile phone number and e-mail address) of the User and the other travellers.

3.4. By providing personal data on this website, the User hereby confirms that he/she has the right to provide such data and accept decisions related to such processing, i.e. that he/she is the subject of the personal data provided and/or a person duly authorised to provide another person's personal data, and accepts full liability for the damages that could be incurred by Lietuvos draudimas AB and/or the third persons in relation to unlawful provision of personal data and/or other processing.

3.5. By indicating the required personal data and other information on this website, the User shall be considered to have provided his/her consent to Lietuvos draudimas AB for processing of this information in the scope necessary for provision of services on this website and administration of the travel insurance contracts concluded, as well as the consent for presentation of the calculated amount of insurance premium for the travel insurance contract to the User as an offer to conclude such contract.

3.6. Lietuvos draudimas AB shall process the User's personal data required for the conclusion and performance of the travel insurance contract in accordance with the established terms: if no damages have been registered during the validity period of the insurance contract – 15 years as of the date of expiration of the contract; if damages have been registered during validity of the insurance contract – 15 years of the date of payment of the last benefit (whichever comes last).

3.7. By continuing with the purchase, you confirm that we can use the data (name, surname, phone number and/or e-mail address) you provide seeking to offer assistance to you while you conclude the insurance contract online, if the conclusion process is not completed.

3.8. Remember, you shall have the right:

3.8.1. To familiarise with the personal data processed, request to correct and delete your personal data or terminate the processing actions with your personal data (if the data are processed in prejudice to the provisions of the laws), to refuse to allow processing of your personal data and request transfer of your personal data to another data controller.

3.8.2. In the event of questions regarding the data processed by Lietuvos draudimas AB, send an e-mail to duomenuapsauga@ld.lt. You shall also have the right to lodge a claim regarding the data protection issues to the State Data Protection Inspectorate.

3.9. Lietuvos draudimas AB shall be obliged not to disclose and transfer the User's personal data to the third persons, except in cases, where it is necessary for the purposes of provision of the services offered by this website and/or mandatory under the requirements of the legal acts in force.

3.10. By processing personal data for the purposes indicated in this section of the Rules, Lietuvos draudimas AB shall implement due organisational and technical measures intended for protection of personal data against accidental or unlawful destruction, modification, disclosure or any other unlawful processing.

4. Intellectual property rights

4.1. All intellectual property rights related to this website are held by Lietuvos draudimas AB. Any reproduction, dissemination, storage or other use of this website's content or part thereof without consent of Lietuvos draudimas AB shall be forbidden and subject to liability prescribed by the legal acts.

5. Other terms and conditions

5.1. If the User of Lietuvos draudimas AB fail to duly fulfil their duties provided for in the present Rules, they shall be obliged to compensate all the damages incurred by Lietuvos draudimas AB and/or third persons in relation thereto.

5.2. All the disputes arising in relation to use of this website shall by settled by negotiations between the User and Lietuvos draudimas AB. If the parties fail to resolve the dispute in this manner, it shall be settled in the procedure set forth in the legal acts of the Republic of Lithuania.

5.3. The present Rules shall be effective for an indefinite period. Lietuvos draudimas AB shall have the right to unilaterally modify the provisions of the Rules.