Terms And Conditions

Definition of Service:

Sargam Insurance Brokers Pvt. Ltd., provides users with facts/figures/information about General Insurance as well as Life Insurance products to allow comparison and procurement. For any query you can contact us on the given address (2nd Floor, Garg Trade Community Centre, Plot No. 1, Sector – 11, Rohini, Delhi – 110085) or call us (+91 9355001574) anytime on the given contact number. We help in completion of documents from proposal forms to claim submission forms (if any). All documents are verified by the insurance company in which the policy is issued. It’s on the behalf of the insurance company to accept or to reject the proposal or the claim, which will be communicated by Sargam Insurance Brokers Pvt. Ltd or by the Insurance Company itself. In case of re applying, we will assist you for the same as an intermediary. We can not guarantee the same for the acceptance of the proposal. We can also assist in reapplication of the same with another company.

Fees and Charges

Sargam Insurance Brokers Pvt. Ltd. offers FREE services. We provide our services without any additional cost to the customer. We do not levy any charges on to the customers as a part of our services as all the services are provided free of cost and we do not authorise any person to ask any kind of remuneration as a part of fees for services provided on behalf Sargam Insurance Brokers Pvt. ltd. Any person tends to do it is liable for a criminal suit which can be reported by the customer to given Contact number or to the address provided.

Limitations to Service

Website of Sargam Insurance Brokers Pvt. Ltd provide information for different insurance products. It is a simple attempt to provide general knowledge for the insurance products through our website. However all the insurance products have different terminology and terms and conditions. It’s the duty of the client to ask and procure exact information for the insurance products that they are willing to buy. The products and information which are supplied through the website are generally meant for the Indian Citizens. Any NRI or Non Resident may contact us for their queries. Content of the website must not be used for any personal or commercial use which includes texts, images, audio, video etc. GST is payable on premium charges which is subject to 18% as per the taxation authority which is subject to change as per law. Kindly refer to the proposal for the exact fees and charges.

Refund Policy

If you are not satisfied with the services of the Insurance Company, you can contact us or the Insurance Company directly for the refund for the policy issued. However we will assist you the same process but your refund process will be only initiated by the Insurance Company itself. We will only assist you in the process. It is a discretionary process which will take place accordingly to the refund policies of the Insurance Company only.

Claim Settlement

Claim Settlement is initiated by the Insurance Company only. Sargam Insurance Brokers Pvt. ltd is not responsible for any settlement in any manner. However we will assist you for the same process and bridge the communication gap between the Insured and the insurer i.e Insurance Company. We are not liable to any party involved if the claim is declined by the insurance Company.

Trademarks & Copyright

All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of Sargam Insurance Brokers Pvt. Ltd. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to Sargam Insurance Brokers Pvt. Ltd.. All rights of Sargam Insurance Brokers Pvt. Ltd. in such intellectual property rights are hereby reserved.

Limitation of Liability

We, Sargam Insurance Brokers Pvt.. Ltd. try to provide exact information about the insurance and their product which is updated on regular basis yet technical errors may occur. We do not guarantee the accuracy of the information provided over the website. We as Sargam Insurance Brokers Pvt. ltd under any situation is not liable to any party in case of any damage which is a result from the use of information from the website. We hold the rights to revise, suspend, amend or add any service, information to our Website any time without any prior notice to anyone. Any damage to client, customers or anybody’s laptop, computer, mobile phone, tablet or wherever the website is accessed by the virus ( if any), Sargam Insurance Brokers Pvt.. ltd is not liable to such damages or loss ascertained by any person.

Jurisdiction /Legal

Sargam Insurance Brokers Pvt.. ltd does not represent material provided all over the website. Whosoever tends to use the website, it is their own choice and responsibility for compliance with the local laws. All the information over the website does not offer to sell any insurance product or services. Some products and services are not available in all jurisdiction. All disputes must be subject to Delhi Jurisdiction of New Delhi courts only.


To the extent of the applicable law in the jurisdiction of Delhi, all information provided in the website comes without any warranties, either expressed, implied or imposed. Sargam Insurance Brokers Pvt.. ltd or their subsidiaries are not liable of any damage caused by the information provided herein. The information, software, contents, products and services included in or available through our website (www.sargaminsurance.in) may include inaccuracies, typographical errors. We hereby declare that there is no responsibility of sargam insurance Brokers Pvt.. ltd for any kind of loss, damage, or destruction through the information provided by the website (www.sargaminsurance.in) .Under no circumstances shall Sargam Insurance Brokers Pvt. Ltd. be responsible for any loss or damage resulting from use of the website or the services, attendance at an event organised through the website or the services, from any content posted on or through the website or the services, or from the conduct of any users of the website or the services, whether online or offline. In particular, Sargam Insurance Brokers Pvt. Ltd. expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and does not promise any specific results from use of the website and the services.