SibaDigital Office |

Terms and Condition

Terms and conditions:

SIBA (we” or “us”) values its visitors’ privacy. This privacy policy is effective 1st August, 2016; it summarizes what information we might collect from a registered user or other visitor (“you”), and what we will and will not do with it.

Please note that this privacy policy does not govern the collection and use of information by companies that SIBA does not control, nor by individuals not employed or managed by QIC. If you visit a www.starassurance.com site that we mention or link to, be sure to review its privacy policy before providing the site with information.

What we do with your personally identifiable information

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. “Personally identifiable information” means information that can be used to identify you as an individual, such as, for example:

your name, company, email address, phone number, billing address, and shipping address
‍your Company Name user ID and password
‍credit card information
any account-preference information you provide us
your computer’s domain name and IP address, indicating where your computer is located on the Internet
session data for your login session, so that our computer can ‘talk’ to yours while you are logged in

If you do provide personally identifiable information to us, either directly or through a reseller or other business partner, we will:

‍not sell or rent it to a third party without your permission — although unless you opt out (see below), we may use your contact information to provide you with information we believe you need to know or may find useful, such as (for example) news about our services and products and modifications to the Terms of Service;
take commercially reasonable precautions to protect the information from loss, misuse and unauthorized access, disclosure, alteration and destruction;
not use or disclose the information except:

as necessary to provide services or products you have ordered, such as (for example) by providing it to a carrier to deliver products you have ordered;
in other ways described in this privacy policy or to which you have otherwise consented;
in the aggregate with other information in such a way so that your identity cannot reasonably be determined (for example, statistical compilations);
as required by law, for example, in response to a subpoena or search warrant;
to outside auditors who have agreed to keep the information confidential;
as necessary to enforce the Terms of Service;
as necessary to protect the rights, safety, or property of Company Name, its users, or others; this may include (for example) exchanging information with other organizations for fraud protection and/or risk reduction.

Other information we collect

We may collect other information that cannot be readily used to identify you, such as (for example) the domain name and IP address of your computer. We may use this information, individually or in the aggregate, for technical administration of our Web site(s); research and development; customer- and account administration; and to help us focus our marketing efforts more precisely.

Cookies

SIBA Portal uses “cookies” to store personal data on your computer. We may also link information stored on your computer in cookies with personal data about specific individuals stored on our servers. If you set up your Web browser (for example, Internet Explorer or Firefox) so that cookies are not allowed, you might not be able to use some or all of the features of our Web site(s).

External data storage sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Your privacy responsibilities

To help protect your privacy, be sure:

not to share your user ID or password with anyone else;
to log off the SIBA Portal site when you are finished;
to take customary precautions to guard against “malware” (viruses, Trojan horses, bots, etc.), for example by installing and updating suitable anti-virus software.

Information collected from children

You must be at least 18 years old to use SIBA Portal site(s) and service(s). Company Name does not knowingly collect information from children under 18. (See the [U.S.] Children’s Online Privacy Protection Act.)

Changes to this privacy policy

We reserve the right to change this privacy policy as we deem necessary or appropriate because of legal compliance requirements or changes in our business practices. If you have provided us with an email address, we will endeavor to notify you, by email to that address, of any material change to how we will use personally identifiable information.

Questions or comments?

If you have questions or comments about SIBA's privacy policy, send an email to info@SIBAinsurance.com.gh, or contact us via any of the ways described in the About Us page at URL of company's website.

Thank you for choosing SIBA Portal!

FAQs

ADDITIONAL PREMIUM

An extra amount you might have to pay, usually because of a change to your car or who's insured on it.

ANNUAL PREMIUM

What you pay every year for your insurance.

CERTIFICATE

It's important to keep your insurance certificate safe, since it's proof that you've taken out insurance for your car, etc.

CLAIM

If you have an accident in your car or it gets damaged, you'll need to check it's covered by your policy, and then make a claim. If it's all in order, then your QIC insurance will pay for a repair or replacement.

COMPREHENSIVE COVER

The highest level of car insurance you can have. It not only covers you for fire, theft and damage to a Third Party or their property, but also for damage to your own vehicle.

COMPULSORY EXCESS

A compulsory excess is the amount of any claim that you are required to pay yourself, and any payment from a claim will be reduced by this amount.

CONDITION

A policy rule you need to follow to make sure your insurance is valid. For example, the condition might be that no one under 21 can drive your sports car.

ENDORSEMENT

An extra, written change to your insurance policy. For example, it might say your insurance doesn't cover your car for business purposes (i.e. as a taxi). The endorsement will be shown on your certificate or schedule of insurance.

EXCESS

The amount of money you have to pay towards the cost of any claim you make. There are two types of Excess – a Compulsory Excess and a Voluntary Excess. Your ‘excess(es)’ will be detailed on your Insurance schedule and will depend on your personal circumstances and the type of cover you choose.

ECOWAS BROWN CARD

If you're driving outside Ghana within the ECOWAS region, you need to take this document to prove you have insurance cover.

FIRE & THEFT

Insurance that covers your car, bike or van for damage by fire or if it's stolen. It's one step up from Third Party Only insurance, but doesn't give you as much protection as Comprehensive. To help you choose what level you want, text us on 7420 and we will call you back!

INDEMNITY

Under the terms of your insurance (depending on your cover) if you lose or damage something then an ‘indemnity’ will restore you to the same financial position after the loss/damage as immediately before it took place; in other words it’ll compensate you.

INSURABLE INTEREST

One of the key things about insurance is that you can only take out cover if you stand to suffer a financial loss from an event covered by the insurance policy. In other words you must have an insurable interest to take out a policy.

INSURANCE

This is a service that offers financial compensation for something that may or may not happen. For example, if your car is stolen (and you have cover for this in your car insurance policy) then your insurance company will pay you a sum of money to cover your loss.

INSURED

The person(s) covered by an insurance policy.

INSURED INCIDENT

An incident that is covered by your insurance, something that happens that can give rise to a Claim

LAPSE

If you forget to renew your insurance, it lapses and no longer covers your car, bike or whatever was insured. That shouldn't happen with QIC, because we give you plenty of notice and reminders when your insurance is due for renewal.

LIABILITY

The legal term for being responsible for injuring someone or damaging their property.

LOSS

Sometimes used instead of claim.

LOSS ASSESSOR

Someone who decides the amount of a claim. For example, if your car is damaged in an accident, the loss assessor will have a look at it and work out how much it would cost to repair, which then becomes the amount of the claim.

MARKET VALUE

What your car, bike, van or house would be worth if it was sold today. For example, if your car has been damaged, we assess its market value as what it was worth immediately before the accident - not what it's worth with all the dents and scrapes!

MOTOR POLICIES

An easy way for people like us in the business to talk about insurance for cars, vans, bikes and so on.

NAMED DRIVER

Anyone named on your policy who isn't the main driver.

NO CLAIMS BONUS

Your reward for being careful and not making a claim. Once you've been insured with us (or another company) for one year without making a claim, you're entitled to a No Claims Bonus , which reduces your premium.

NON-DISCLOSURE

Similar to concealment, where you forget - accidentally or on purpose - to tell us a material fact that could affect your insurance. Unfortunately, it could mean your insurance isn't valid, so please remember to tell us everything relevant.

PERSONAL ACCIDENT

If you or your partner are accidentally injured as a direct result of an accident involving your car your insurer will pay the injured person or their legal representatives the amount shown in your Schedule (only available with QIC'S comprehensive cover).

POLICY

The document that gives full details of your insurance - so keep it safe! You can see the sort of information it contains by looking at our policy details page.

POLICYHOLDER

That's you, when you take out our insurance.

PREMIUM

The amount you pay for the insurance.

PROPOSAL FORM

The document you complete so you can apply for insurance. With QIC you can fill it in online or if you call us, we'll fill it in for you, over the phone.

QUOTE

The price we say your insurance will cost. As long as you've told us all the details, what we quote is what you'll pay.

RENEWAL NOTICE

A reminder that your insurance will run out soon, and that you need to renew it. Don't worry, QIC never forgets when it's time for renewal.

SCHEDULE

The document that describes the specific terms of your insurance. The policy tells you the general terms, while the schedule shows the details that are unique to you, such as any extra excess or conditions.

SETTLEMENT

This is the amount you are paid for a Claim. Settlement happens when an insurer pays a claim and the claim is effectively closed. The Settlement will usually be the amount agreed, less any Excess.

SUBROGATION

This is the substitution of one claim for another, for example an insurer who has indemnified a policyholder can take over any legal rights the policyholder may have had in respect of that particular claim.

SUM INSURED

This is the maximum an insurance company will pay for a claim.

THIRD PARTY

Someone involved in a claim who isn't you, the policyholder or us, the insurer.

THIRD PARTY ONLY

By law, this is the minimum insurance you can have for your car, bike or van. It just covers you against injuring someone or damaging their property.

TOTAL LOSS

The same as a write off: when your car, bike or van is so badly damaged it would cost more to repair than it's worth (its market value), it's described as a total loss. Rather than pay to fix the unfixable, we'll give you a cheque instead.

UNDERWRITER

A person (or usually a company) who decides if they're going to take on an insurance risk, and what it will cost to insure.

UTMOST GOOD FAITH

This refers to a principle of insurance. It means that insurance relies on the fact that anyone who applies for insurance gives all relevant information to the insurer. See also Material Facts and Duty of Disclosure.

WRITE-OFF

Another way of saying total loss: your car, bike or van is so badly damaged it would cost more to repair than it's worth.

DASHBOARD