Travel insurance

1. General

1.1. All visitors of this website (hereinafter referred to as the Users) shall comply with the Terms and Conditions of this website usage (hereinafter referred to as the Terms and Conditions). By confirming that you have read the Terms and Conditions and agree with them on the website, the Users shall comply with the Terms and Conditions and assume the responsibility for non-compliance thereof.

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

1.3. On this website, you can calculate the amount of the premium for a travel insurance contract, pay the calculated premium, conclude a travel insurance contract and obtain other related services.

1.4. The Users shall use this website only for lawful purposes without breaching the rights and/or legitimate interests of AB Lietuvos draudimas, the third parties and/or without limiting their use of this website.

1.5. If any provision of the Terms and Conditions ceases to be valid, it shall not affect the validity of other provisions of the Terms and Conditions.

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

2.1. In order to find out the calculated amount of the premium for a travel insurance contract and conclude such a contract, the User shall provide the necessary information on this website (e.g. destination, type and period of a travel), including personal data (e.g. full names of the travellers).

2.2. Please note that the insurer or third parties authorised by him/her would use the information provided by you for the purpose of the contract conclusion and fulfilment thereof in accordance with the requirements of the Law on Insurance of the Republic of Lithuania and other legal acts and/or apply for the state registers, banks, law enforcement institutions, insurance companies and other third parties who have the necessary information, and the latter shall provide the information necessary to analyse the request to conclude the insurance contract by assessing the events that occurred during the contract period and adjusting the amount of indemnities.

2.3. Prior to the conclusion of a travel insurance contract, the User shall read and tick on this website that he/she agrees with the Complex Travel Insurance Terms and Conditions No. 056 of AB Lietuvos draudimas. Also, the applied Complex Travel Insurance Terms and Conditions are available on AB Lietuvos draudimas website at: www.ld.lt/keliones-draudimas.

2.4. A travel insurance contract shall be considered concluded from the moment when the User pays a premium calculated on this website for a travel insurance contract to AB Lietuvos draudimas. A travel insurance contract shall enter into force on the date specified in the insurance contract. An insurance contract shall be valid only if it was concluded prior to the beginning of a travel.

2.5. The User can pay for a travel insurance contract concluded on this website by selecting one of the e-banking services specified on the website. AB Lietuvos draudimas shall not be liable for the quality of the services provided by these e-banks.

2.6. Following conclusion of a travel insurance contract, AB Lietuvos draudimas shall send the insurance documents (insurance policy) to the User’s email provided on this website. If the User who concluded a travel insurance contract provides with a wrong email or did not receive the insurance documents for any other reasons, he/she can print these documents by logging in AB Lietuvos draudimas self-service website Savas LD or call AB Lietuvos draudimas by telephone 1828 or email info@ld.lt.

2.7. The Users of this website shall be fair and lawful. Unlawful transfer or other handling of the information (including personal data) and use of other persons’ e-banking data are prohibited, and such actions are subject to the statutory liability.

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 Register of Personal Data Managers and has been granted with the status of a personal data manager. AB Lietuvos draudimas has the right to process personal data inter alia to conclude and fulfil non-life insurance contracts and for the direct marketing purposes.

3.2. When processing personal data, AB Lietuvos draudimas follows the requirements for the processing of personal data provided in the Law on Personal Data Protection of the Republic of Lithuania and other legal acts related to the protection of personal data, in particular, since 25 May 2018 - The General Data Protection Regulation (Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data).

3.3. The User willing to use the services provided by this website shall provide with the following personal data: travel destination (territory) and the type of a travel, his/her and other travellers’ full names, personal identification codes, registration addresses and contact information (registration address, mobile telephone, and email).

3.4. By submitting personal data on this website, the User confirms that he/she has the right to submit such data and make decisions on processing thereof, i.e. that he/she is the subject of the provided personal data and/or a person duly authorised to provide another person’s data and assumes full responsibility for the losses which AB Lietuvos draudimas and/or third parties may incur as a result of unauthorised provision of the personal data and/or other kind of processing.

3.5. By providing the necessary personal data and other information on this website, the User shall be considered to have duly given the consent to AB Lietuvos draudimas to process this information to the extent it is necessary to provide the services on this website and handle the concluded travel insurance contracts, and the consent that AB Lietuvos draudimas provides the User with an estimated insurance premium for a travel insurance contract as an offer to conclude such a contract.

3.6. AB Lietuvos draudimas processes the User’s personal data necessary to conclude and fulfill the insurance contract in accordance with the following terms: if no claim was registered during the insurance contract period, 15 years following the expiry date of the contract; if a claim was registered during the insurance contract period, 15 years following the date of the last indemnity payment (by calculating the term from the latest specified date).

3.7. By proceeding with the purchase, you agree that the data submitted by you (full name, telephone number and/or email) can be used by us to assist you in the conclusion of this insurance contract online, if the contracting process is not completed.

3.8. With the consent of the User, AB Lietuvos draudimas can process the contact data provided to contact you by telephone, SMS, email and other electronic means of communication and provide offers, promotions, discounts, as well as get an opinion on the services provided by AB Lietuvos draudimas, i.e. process your personal data for direct marketing purposes or use your personal data to identify the needs and provide relevant insurance offers.

3.9. The consent or refusal to process personal data for direct marketing purposes may be expressed by the User on our website when concluding a travel insurance contract, i.e. by ticking “I agree” or “I disagree”. This action shall be considered your will expressed explicitly and voluntarily by using active actions, i.e. upon the duly given consent. The consent of the User to process personal data for direct marketing purposes shall be valid for 3 years from the date of the consent. Please note that you have the right to cancel your decision (consent or refusal) at any time, easily and free of charge, to process personal data for direct marketing purposes in the customer service division, on the self-service, or by email: info@ld.lt.

3.10. AB Lietuvos draudimas may ask you to extend the consent before the expiration of the consent. We ensure that your personal data will be stored with due care and shall not be transferred to other companies for the marketing purposes.

3.11. The User may express his/her consent or refusal to process his/her personal data for direct marketing purposes at any time by submitting a respective written notice to AB Lietuvos draudimas, by email or other tools of communication acceptable to AB Lietuvos draudimas and the Customer which allow due identification of the User.

3.12. Please note that you also have the following rights:

3.12.1. The right to get familiar with the personal data being processed and the way they are processed, demand correction or destruction of your personal data, or suspension of your personal data processing when the data are processed by breaching the provisions of the law, object to the processing of your personal data and file a complaint to the State Personal Data Inspection.

3.12.2. Following the entry into force of the General Data Protection Regulation on 25 May 2018 (Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data), you will also have the right to data movement and the right to request removal of the data (“the right to be forgotten”) or ask for a restriction on their processing.

3.13. AB Lietuvos draudimas shall not disclose the Users’ personal data and shall not transfer them to any third parties, except for the cases when it is done to provide the services on this website and/or required by the applicable law.

3.14. When processing personal data for the purposes referred to in this paragraph of the Terms and Conditions, AB Lietuvos draudimas is implementing relevant organisational and technical measures to protect personal data against accidental or unlawful destruction, alteration, disclosure or any other unlawful processing.

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 thereof without the consent of AB Lietuvos draudimas is prohibited and shall be subject to a statutory liability.

5. Other Terms and Conditions

5.1. If the User or AB Lietuvos draudimas does not fulfil or unduly fulfils the duties provided in these Terms and Conditions, they shall indemnify all the losses incurred by AB Lietuvos draudimas or third-parties as a result of it.

5.2. All disputes arising out of the use of this website shall be resolved by the negotiations between the User and AB Lietuvos draudimas. If the disputes are not resolved in this way, they shall be resolved in accordance with the procedure stipulated in the law of the Republic of Lithuania.

5.3. These Terms and Conditions shall be applied for an unlimited period of time. AB Lietuvos draudimas has the right to unilaterally and at any time amend the provisions of the Terms and Conditions.