TERMS OF USE

1. General Provisions

1.1. manaocta.lv is a publicly accessible online website (hereinafter referred to as the Portal) that provides the opportunity to view and purchase OCTA and KASKO insurance offers. The operation of the website is provided by SIA "Partner Broker", registration No. 40103175343 (hereinafter referred to as the Broker).

1.2. Any user of this Portal (hereinafter referred to as the Client) is bound by the terms, conditions, and restrictions governing the provision of insurance services. The content of the Portal and the offered services may be used solely for private purposes.

1.3. By starting to use this Portal, the Client confirms that they have read and agree to these terms of use. If these terms are unacceptable to the Client, please stop using the Portal. We would like to emphasize that visiting the Portal does not impose any contractual obligations on the Client yet.

1.4. The Broker has the right to unilaterally amend the Terms or the content of the Portal at its own discretion. Any changes are binding from the moment of their publication. The Broker assumes no responsibility for the content of third-party websites to which links may be provided on the Portal – the maintainers of the respective resources are responsible for them.

1.5. The Broker does not guarantee uninterrupted operation of the Portal without technical disruptions or errors. Likewise, the Broker is not liable for disruptions in the information technology systems of cooperation partners or insurance companies that may affect the availability of the service.

2. Requesting Insurance Offers

2.1. On the Portal, the Client has the opportunity to receive OCTA and KASKO insurance offers from our cooperation partners. The Broker cooperates with the following insurance companies:

  • AAS "BTA Baltic Insurance Company"
  • AAS "Balta"
  • AAS "Baltijas Apdrošināšanas Nams"
  • ADB "Gjensidige" Latvian branch
  • "Balcia Insurance" SE
  • "Compensa Vienna Insurance Group" ADB Latvian branch
  • "ERGO Insurance" SE Latvian branch
  • "If P&C Insurance" AS Latvian branch

2.2. In order to prepare an offer, the Client must fill out the form available on the Portal, providing all the requested information. Please note that in the event of incomplete or inaccurate data, the calculated offer may differ from the final insurance conditions and policy price.

2.3. The Client is fully responsible for the veracity and accuracy of the provided information. The service provider assumes no responsibility for any consequences or losses arising as a result of incorrect, erroneous, or incomplete data entry.

2.4. Insurance price offers are generated automatically using online data exchange channels connected to the insurers' systems. The calculated prices are informative; the final decision on the amount of the insurance premium is made by the chosen insurance company.

3. Sending the Offer

3.1. After receiving the application, the Broker sends the prepared OCTA or KASKO offer to the email address specified by the Client. The shipment will also include the terms and conditions of the respective insurance company so that the Client can fully familiarize themselves with the conditions of the service.

4. Conclusion of the Insurance Contract and Payment of the Insurance Premium

4.1. The insurance contract is concluded after the Broker and the Client have agreed on all terms of the transaction, using the phone number or email address specified by the Client for communication. 

4.2. The Broker sends the draft insurance contract and the applicable terms to the Client electronically, providing an opportunity to review them before concluding the transaction.

4.3. The insurance premium is payable in Euro (EUR) currency by making a transfer based on the invoice issued by the Broker. The invoice is sent to the Client electronically to the specified email address.

4.4. The insurance contract enters into force on the date specified in the policy, but not earlier than the moment when the insurance premium is fully received in the Broker's settlement account.

5. Validity of the Policy and Changes to Data

5.1. OCTA and KASKO insurance coverage enters into force in accordance with the terms of each insurance company specified in the insurance policy.

5.2. The Client is responsible for monitoring the expiration dates of their insurance contract, especially as the end of the policy's validity approaches. The Broker may send informative reminders about the expiration, however, the Client bears ultimate responsibility for the timely renewal of the insurance contract.

5.3. In the event of changes to the vehicle's registration data, the policyholder is obliged to immediately – no later than within one business day – inform the Broker by phone or email specified on the Portal.

5.4. In the event that the Client has not provided information regarding changes to the vehicle's data, the Broker is not liable for any possible consequences, including the invalidation of the insurance policy. The Client bears responsibility for all risks associated with the use of inaccurate data in the insurance contract.

6. Limits of Liability

6.1. Although the information available on the Portal is regularly updated, the Broker does not guarantee its continuous accuracy or topicality. The Broker assumes no responsibility for possible errors, inaccuracies, or incomplete content.

6.2. The Broker assumes no responsibility for the actions of third parties regarding the processing of Clients' personal data. You can familiarize yourself with the principles governing the management of your data in our Privacy Policy published on this Portal.

6.3. The Broker is not liable for direct or indirect losses that the Client, the owner of the vehicle, or any third party may incur due to the following circumstances:

  • damage or harm to property and/or health;
  • IT operational disruptions of the CSDD, LTAB, insurance companies, or payment systems;
  • entry of untrue, inaccurate, or misleading information on the Portal;
  • incorrect specification of the policy's effective date.

7. Registration and Basis of Activity of the Service Provider

7.1. Insurance mediation services in the interests of the Client are provided by SIA "Partner Broker", registration No. 40103175343, legal address: Pils iela 15A, Tukums, Tukuma novads, LV-3101, phone: (+371) 29177153, email: info@partnerbroker.lv.

7.2. The Broker is registered in the Register of Insurance and Reinsurance Intermediaries maintained by the Bank of Latvia. Registration can be confirmed on the website of the Bank of Latvia: www.bank.lv.

7.3. The remuneration for the mediation service is included in the insurance premium and its amount is determined by the respective insurance company. The Broker concludes the insurance contract solely for the benefit of the Client.

7.4. The Broker holds no equity participation in any insurance company, and no insurance company holds any equity participation in the Broker.

7.5. For the distribution of OCTA and KASKO insurance products, cooperation agreements have been concluded with the following insurance companies:

  • AAS "BALTA" (Raunas iela 10, Rīga, LV-1039)
  • AAS "Baltijas Apdrošināšanas Nams" (Antonijas iela 23, Rīga, LV-1010)
  • AAS "BTA Baltic Insurance Company" (Sporta iela 11, Rīga, LV-1013)
  • "Balcia Insurance" SE (Krišjāņa Valdemāra iela 63, Rīga, LV-1010)
  • "Compensa Vienna Insurance Group" ADB Latvian branch (Vienības gatve 87H, Rīga, LV-1004)
  • "ERGO Insurance" SE Latvian branch (Skanstes iela 50, Rīga, LV-1013)
  • ADB "Gjensidige" Latvian branch
  • "If P&C Insurance" AS Latvian branch (Republikas laukums 2A, Rīga, LV-1010)

8. Protection of Personal Data

8.1. By registering and performing actions on the Portal, the Client transfers personal data to the Broker – first name, last name, contact information, vehicle data, etc., which the Broker processes in accordance with the General Data Protection Regulation (GDPR) and the regulatory enactments of the Republic of Latvia.

8.2. By providing their email address and/or phone number, the Client agrees to receive informative notifications regarding insurance policy terms and changes on the Portal. The Client can opt out of such notifications by contacting the Broker.

8.3. Detailed information regarding the procedure for processing personal data, storage periods, and the Client's rights can be found in the Portal's Privacy Policy.

9. Intellectual Property

9.1. All rights to the content of the Portal – texts, graphics, logos, software, and other elements – belong to SIA "Partner Broker".  

9.2. Any reproduction, distribution, or any other form of use of the Portal's materials without the prior written permission of the Broker is prohibited and may result in legal liability.

10. Submission of Complaints and Settlement of Disputes

10.1. All disagreements or disputes arising in connection with the use of the Portal or the services provided shall be resolved by the Parties through mutual negotiations. If an agreement cannot be reached, the dispute shall be examined in the judicial institutions of the Republic of Latvia in accordance with the effective regulatory enactments according to jurisdiction.

10.2. Every written complaint is reviewed in accordance with the effective regulatory enactments, following the procedure established by the Insurance and Reinsurance Distribution Law. The Broker provides a written reply to the complainant no later than within 20 business days after its registration.

10.3. Complaints are to be submitted in writing to the email address: info@partnerbroker.lv or sent by post to the legal address: Pils iela 15A, Tukums, Tukuma nov., LV-3101.