RULES

Insurance services are provided with the involvement of the insurer:

ERGO Insurance SE Latvijas filiāle

Registration number: 40103599913

Legal address: Skanstes iela 50, Riga, LV-1013, Latvia

Insurance intermediary details:

Rižova Ludmila

Phone: +371 22355307

Email: ludmila.rizova@ergo.lv

Country of operation: Latvia

Type of insurance activity: border insurance contracts, including motor third-party liability insurance for entry into other countries.

The intermediary may accept insurance premiums from clients if such authority is granted by the insurer and complies with applicable law and the terms of the agreement with the insurer.

Website — the EURO Polis website through which users may obtain information about insurance products, submit applications, provide data and documents, receive advice, and obtain assistance in concluding insurance contracts remotely.

Insurer — ERGO Insurance SE Latvijas filiāle or another insurer clearly indicated to the user before the insurance contract is concluded.

Insurance intermediary — Rižova Ludmila, carrying out insurance distribution activities in Latvia within her legal status and the authority granted by the insurer.

User — an individual, legal entity, or representative of a legal entity using the EURO Polis website or remote communication channels.

Policyholder — the person concluding an insurance contract with the insurer.

Insurance contract — a contract between the policyholder and the insurer, including one concluded remotely where permitted by law and the terms of the relevant insurance product.

Policy — a paper or electronic document confirming the conclusion of an insurance contract.

Insurance premium — the amount payable by the policyholder for insurance coverage.

Personal data — any information relating to an identified or identifiable natural person, processed in accordance with the GDPR and Latvian law.

2.1. These Rules apply to the use of the EURO Polis website and remote communication channels for obtaining information, advice, and assistance in concluding insurance contracts.

2.2. These Rules have been prepared with regard to:

• Regulation (EU) 2016/679 (GDPR);
• Directive (EU) 2016/97 on insurance distribution (IDD);
• Latvian law on insurance and reinsurance distribution;
• Latvian law on insurance and reinsurance;
• Latvian consumer rights legislation;
• EU legislation on the distance provision of financial services;
• the eIDAS Regulation on electronic identification and trust services. eIDAS provides the legal framework for secure electronic transactions and trust services in the EU.

2.3. Use of the website means acceptance of these Rules if the user submits an application, completes a form, provides documents, or requests advice.

2.4. The insurance contract is concluded not with the EURO Polis website or the intermediary, but directly between the policyholder and the insurer.

2.5. The intermediary is not an insurer, does not assume any obligation to pay insurance claims, and does not decide whether an event qualifies as an insured event.

2.6. Information on the website is for reference only and does not constitute a public offer unless expressly stated otherwise.

3.1. Before concluding an insurance contract, the user is provided with information about the insurer, the insurance intermediary, the type of insurance product, the insurance premium, the material insurance terms, exclusions, and the complaints procedure.

3.2. The intermediary acts within the authority granted by the insurer and may assist with:

• receiving applications;
• advising the user;
• transferring data to the insurer;
• issuing the insurance policy;
• accepting the insurance premium, where permitted by the insurer and applicable law.

3.3. If the intermediary receives commission from the insurer, this does not automatically increase the insurance premium payable by the user unless expressly stated before the contract is concluded.

3.4. The user may request additional information about the intermediary’s status, the scope of authority, and the remuneration procedure.

4.1. The EURO Polis website is intended for:

• obtaining information about insurance products;
• submitting applications;
• providing documents and information;
• calculating or preliminarily estimating the insurance cost;
• receiving insurance documents electronically.

4.2. The website may be available 24/7, except during maintenance, communication failures, updates, or other circumstances beyond EURO Polis control.

4.3. The user must provide accurate, complete, and up-to-date information.

4.4. The user is responsible for the consequences of providing incorrect, incomplete, or false information, including the risk that the insurer may refuse to conclude the contract, amend the terms, or pay a claim.

4.5. The user is prohibited from using the website to submit forged documents, false information, malicious code, or to take actions that infringe the rights of third parties.

5.1. To arrange insurance, the user provides the information required for the specific product: policyholder details, vehicle details, insurance period, territorial scope, route, registration documents, and other relevant information.

5.2. Before the contract is concluded, the user receives information about:

• the insurer;
• the intermediary;
• the insurance product;
• territorial scope;
• insurance period;
• insurance premium;
• exclusions and limitations;
• payment procedure;
• policy delivery procedure;
• amendment or termination procedure;
• complaints procedure.

5.3. The insurance contract is considered concluded from the moment defined by the insurer’s terms: confirmation of the user’s consent, acceptance of the insurance terms, payment of the premium, and issuance of the policy, where such actions are required.

5.4. The electronic policy or other document confirming the conclusion of the insurance contract may be sent to the user by email, messenger, personal account, or another agreed channel.

5.5. The user must check the policy details immediately after receipt. If an error is found, the user must promptly notify the intermediary or the insurer.

6.1. The insurance premium may be paid:

• by bank transfer;
• by bank card through a payment provider;
• by another method indicated on the website or agreed with the user.

6.2. If the intermediary accepts the insurance premium, they act within the authority granted by the insurer.

6.3. When paying by bank card, card details are entered on the secure page of the bank or payment provider. EURO Polis and the intermediary do not store full bank card details.

6.4. When paying by bank transfer, the user must use the provided bank details and correctly indicate the payment purpose.

6.5. Payment is deemed made when the funds are credited to the recipient, unless otherwise provided by the insurer’s terms.

6.6. Refunds of the insurance premium or part of it are made in the cases and according to the procedure provided by the insurance contract, the insurer’s rules, and applicable law.

7.1. Since insurance is a financial service, the user’s right to withdraw from the contract depends on the type of insurance product, the contract period, the start of insurance coverage, and applicable law.

7.2. Where a right of withdrawal is provided by law or the insurer’s terms, the user is informed about the procedure, time limits, and consequences of withdrawal before the contract is concluded.

7.3. For short-term insurance contracts and contracts whose performance has begun with the user’s consent, the right of withdrawal may be limited.

7.4. The intermediary does not independently decide on premium refunds where such decision falls within the insurer’s competence.

8.1. Personal data is processed in accordance with the GDPR and Latvian personal data protection law.

8.2. Within the EURO Polis website, data may be processed for the following purposes:

• reviewing applications;
• selecting an insurance product;
• issuing an insurance contract;
• transferring data to the insurer;
• processing payments;
• communicating with the user;
• complying with legal obligations;
• protecting rights and legitimate interests;
• ensuring website security.

8.3. The legal bases for processing may include:

• performance of a contract or steps prior to entering into a contract;
• compliance with a legal obligation;
• legitimate interest;
• user consent, for example for marketing communications or non-essential cookies.

8.4. Data may be transferred to:

• the insurer;
• payment providers;
• IT contractors;
• hosting providers;
• public authorities where required by law.

8.5. The user has the rights provided under the GDPR: access, rectification, erasure, restriction of processing, objection to processing, data portability, and withdrawal of consent.

8.6. A complaint regarding personal data processing may be submitted to Datu valsts inspekcija. The Inspectorate’s contact details are published on its official website.

9.1. The website may use cookies and similar technologies for website operation, language preferences, security, analytics, and marketing.

9.2. Strictly necessary cookies are used without consent because they are required for the website to function.

9.3. Analytics and marketing cookies are used only after the user’s consent.

9.4. Detailed rules for the use of cookies are set out in the separate EURO Polis Cookie Policy.

10.1. The user may submit a request or complaint:

• by email: ludmila.rizova@ergo.lv;
• by phone: +371 22355307;
• through the contact form on the website;
• directly to the insurer, ERGO Insurance SE Latvijas filiāle.

10.2. A request should preferably include:

• the user’s name or company name;
• contact details;
• policy or application number, if available;
• description of the situation;
• the user’s request;
• supporting documents, if any.

10.3. If the request concerns an insurance claim, recognition of an insured event, refusal of payment, or amendment of the insurance contract, it may be forwarded to the insurer, or the user will be informed how to contact the insurer.

10.4. If the user disagrees with the response, they may contact the insurer, Latvijas Banka as the competent financial supervisory authority, Datu valsts inspekcija for personal data matters, or a court.

11.1. The intermediary is liable for the proper performance of actions within their authority.

11.2. The intermediary is not liable for:

• false information provided by the user;
• errors in documents caused by user-provided data;
• insurer decisions on contract conclusion, amendment of terms, or claim payment;
• failures of banks, payment providers, telecom operators, or other third parties;
• unauthorized access to the user’s email, messaging apps, or devices.

11.3. The insurer is liable under the insurance contract within the terms of the contract and applicable law.

12.1. EURO Polis website materials, including texts, design, images, website structure, interface elements, and software code, are protected by intellectual property law.

12.2. Website materials may be used only for personal review and obtaining insurance services.

12.3. Copying, distribution, or commercial use of website materials is allowed only with the prior consent of the rights holder, unless otherwise permitted by law.

13.1. EURO Polis may update these Rules due to changes in legislation, insurance products, website functionality, payment methods, or user interaction procedures.

13.2. The new version is published on the website and applies from the date of publication unless another effective date is specified.

13.3. Amendments have no retroactive effect and do not affect already concluded insurance contracts unless otherwise provided by law or the contract terms.

14.1. These Rules are governed by the laws of the Republic of Latvia and applicable European Union law.

14.2. Disputes are resolved through negotiations and review of the user’s request.

14.3. If the dispute cannot be resolved, the user may apply to the competent authorities of Latvia or to a court of the Republic of Latvia.

15.1. These Rules are published on the EURO Polis website and are freely accessible.

15.2. The user may save, print, or reproduce the text of these Rules.

15.3. If any provision of these Rules is found invalid, this does not affect the validity of the remaining provisions.

15.4. Official details:

Insurer: ERGO Insurance SE Latvijas filiāle

Registration number: 40103599913

Address: Skanstes iela 50, Riga, LV-1013, Latvia

Insurance intermediary: Rižova Ludmila

Phone: +371 22355307

Email: ludmila.rizova@ergo.lv

Country of operation: Latvia

Website: EURO Polis