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TERMS AND CONDITIONS

Preamble 

This information document aims to deliver the information related to article 18 and 19 of the Directive 2016/97.

PSA Insurance Solutions Limited (“PSA Insurance Solutions”) is an insurance intermediary having its registered office at MIB HOUSE, 53 Abate Rigord Street, Ta' Xbiex, MALTA, registered under number C83206. PSA Insurance Solutions is licensed by the Malta Financial Services Authority of Notabile Road, BKR 3000, Attard, Malta and is enrolled as an Insurance Agent in the MFSA’s Agent’s list. PSA Insurance Solutions carries out its business under the freedom to provide services regime.

PSA Insurance Solutions proposes and distributes insurance product via its website on behalf of insurance companies. For its activity, PSA Insurance Solutions is granted commission from the insurer and this type of remuneration is included in the insurance premium.

PSA Insurance Solutions is representing the insurance undertaking and not subject to a contractual obligation to work exclusively with one or more insurance companies. PSA Insurance Solutions does not give advice on the basis of a fair and personal analysis.

Currently PSA Insurance Solutions is the appointed agent of:

  • PSA Insurance Limited, Reg; C44567 is a limited liability company under Maltese law, having its registered address at: MIB House, 53 Abate Rigord Street, Ta’ Xbiex, XBX1122 Malta.
More than 10 % of the capital or voting rights of PSA Insurance Solutions and PSA Insurance Limited is owned by PSA Services Limited.

For any complaints related to our services, you may contact us by using the form accessible in the complaints section of the website: www.psa-insurance-solutions.it/complaints.
 
We hereby undertake to acknowledge receipt within ten (10) working days and to deal with Your complaint within fifteen (15) days of receipt of all the documents necessary in order to examine the same.

 If you are not satisfied with the response given by us to your complaint, you may:

  • Refer the dispute in writing to the Office of the Arbiter for Financial Services (OAFS) on  http://financialarbiter.org.mt/en/Pages/Home.aspx and submit the forms explained in the above-mentioned website, 
  • Refer the dispute to IVASS - Istituto per la Vigilanza sulle Assicurazioni – Servizio Tutela del Consumatore, Via del Quirinale 21, 00187 Roma (fax: 06-42.133.745 - 06.42.133.353 or through PEC to the address ivass@pec.ivass.it.
 
Information on products and services 
 

The present Site presents the following Insurance Products:

  • Market Value Plus by PSA Insurance
  • Excess Insurance by PSA Insurance
  • Tyre Insurance by PSA Insurance
  1. Object

These Terms of Use set out in detail the conditions of access and use of the Site of PSA INSURANCE SOLUTIONS.

The User of the present Site is deemed to have accepted these Terms of Use.

The operating conditions and the use of the remote subscription services for insurance products are described in a separate document.

  1. Access to the Site and availability

The access to the Site requires a sufficient high-speed Internet connection and the use of an appropriate access terminal (computer or other).

The User hereby acknowledges that it has the necessary skills and all the means necessary to access and use the Site.

PSA INSURANCE SOLUTIONS undertakes to make its best efforts to ensure availability of the Site to the Users at any time and allow the Users to use its services. However, PSA INSURANCE SOLUTIONS declines all responsibility in the event of the unavailability of the Site for any reason whatsoever.

PSA INSURANCE SOLUTIONS cannot under any circumstances be liable for the reliability of data transmissions, access times, or any access restrictions on the Internet network or the networks connected to it.

The User acknowledges that the use of the Internet network does not guarantee the secrecy of correspondence. The User is therefore responsible for taking all appropriate measures to protect his own data, tools and equipment.

PSA INSURANCE SOLUTIONS cannot guarantee the permanence of the proper functioning of its Site or its complete security. PSA INSURANCE SOLUTIONS has deployed software and other precautionary measures to keep the website safe for users. However it may not be disregarded that third parties may attempt to use malware, trojans, worms or other malicious software. The User undertakes to keep its operating system and all the programs properly updated to minimize exposure. PSA INSURANCE SOLUTIONS will not accept any liability whatsoever for infection or other malware-related problems arisen from or in connection with the use of its website.

Access to the Site, to the data and products described on the Site may be restricted in consideration of certain persons or in certain countries other than Italy. None of the products can be intended for a person if the law of his country forbids it.

  1. Use of the Site

The User shall not use the Site or its contents for any purpose that is unlawful or contrary to these Terms of Use.

The User undertakes not to hinder, in any way whatsoever, the proper functioning of the Site, not to block or alter the normal flow of data, not to fraudulently access the information system of the Site or, access all of its data, disrupt it or modify it.

The User accepts the risks and limitations of the Internet, and acknowledges that he is solely responsible for his use of the information.

PSA INSURANCE SOLUTIONS shall not be held liable for any misuse of the Site by the User.

  1. Contents published on the Site

The contents of the Site are available in English and Italian.

The information published on the Site is provided for general information only. PSA INSURANCE SOLUTIONS endeavors to ensure the accuracy and the updating of the information published on the Site, and PSA INSURANCE SOLUTIONS reserves the right to modify it at any time without prior notice.

PSA INSURANCE SOLUTIONS makes no claim to completeness of the contents published on the Site.

The contents of the Site are for information purpose only. The information published on the Site cannot be assimilated to an offer, canvassing or a solicitation by PSA INSURANCE SOLUTIONS in respect of the User.

Regarding information about insurance products, the User must refer to the relevant information notice.

With regard to the operating conditions and the use of the remote subscription services for insurance products, the User must refer to the relevant General Terms and Conditions associated with each insurance product.

 
 

Processing Personal Data

PSA INSURANCE SOLUTIONS guarantees the User respect for his/her privacy.

In accordance with Maltese and European Law, PSA INSURANCE SOLUTIONS, as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms. This data may be used in connection with the management and execution of the website and your user account.

In accordance with Maltese and European Law, the Insurer with which you contract, as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms via the platform of PSA Insurance Solutions acting as Data Processor. This data may be used in connection with the management and execution of your insurance contract as mentioned in the insurance policy. 

Personal data relating to you are, amongst others, Name, Postal address, email address date of birth, ID or passport number, vehicle details, bank details, age and any other information directly linked to your personal identity.

This information may also be subject to:

  • treatments for the commercial management of customers and prospects, unless you oppose it.
  • internal control procedures.
  • specific processing and information to the competent authorities within the framework of the laws and regulations in force and in particular those relating to the fight against money laundering and the financing of terrorism.
  • anti-insurance fraud treatments that may result in a listing of persons at risk of fraud.

The collected data may be transferred or processed to other companies in the group, their partners or providers, only for the purposes mentioned above.

The User, in accordance with Maltese and European Law, has the right to access, modify, rectify or delete their personal data collected on the Site.

The User can, at any time, object to the processing of his personal data for legitimate reasons.

To exercise his rights, the Users will send a registered letter to the manager of the Site to the following address, with a copy of his identity document: Data Protection Officer - 53, MIB House, Abate Rigord Street Ta' Xbiex, XBX 1122, Malta.

We do our best to provide you with a satisfactory answer. If for any reason, we failed to respond to the above requests, be informed that you have the right to lodge a complaint with the supervisory authority, the Information and Data Protection Commissioner in Malta.

Website: https://idpc.org.mt/en/Pages/Home.aspx

The information identified by an asterisk or any other equivalent process is compulsory for the processing of any application. Failing this, the application cannot be processed or its processing will be delayed. 

The User’s personal information is stored for a period of that cannot exceed 12 years starting from the last communication with the clients or the end of the Contract, depending on which event occurs last.

The User is duly informed that, during his visits on the Site, a cookie can be installed automatically on his browser.

Cookies are used to analyze the traffic and use of the Site. Thus, when the User browses the Site, the deposit and the reading of the cookies make it possible to analyze his navigation and to measure the audience of the Site.

The User can configure his browser to refuse and / or delete cookies.

The rules applicable to cookies are described in the "Cookies Policy", available by clicking on the following link: www.psa-insurance-solutions.it/cookies-policy.

  1. Intellectual Property right

This Site and each content of the Site, in particular computer programs and content including Data, text, images, sounds, graphics, files shall remain the full and exclusive property of PSA INSURANCE SOLUTIONS, or any third-party which has granted it intellectual property rights, except for personal data entered by User. 

Any total or partial reproduction and/or representation of the Site or any of its content, without the express consent of PSA INSURANCE SOLUTIONS is prohibited and can constitute an infringement punishable under articles 15 and following of the Italian Copyright law.


The databases on the Site are protected by articles 2 and following of the Italian Database law. Any qualitative or quantitative extraction or re-use of the contents of these databases could be sanctioned. 

Trademarks appearing on the Site are trademarks registered by PSA INSURANCE SOLUTIONS or by third- parties. Any reproduction, imitation or use, total or partial, of these trademarks without the express consent of PSA INSURANCE SOLUTIONS are in violation of prohibitions contained in articles –2.20 and following of the Italian Convention on Intellectual Property could be sanctioned.
 
Other distinctive signs, including corporate names, trade names, brands, domain names reproduced on the Site are the property of PSA INSURANCE SOLUTIONS or third-parties and any reproduction without express consent of PSA INSURANCE SOLUTIONS could expose its author to liability on the basis of articles 2.20 and following of the Italian Convention on Intellectual Property or of the Italian Trade name Law.
 
The Site contains hypertext links to other websites. The existence of those links is neither a recommendation nor a validation of these websites and their contents by PSA INSURANCE SOLUTIONS. The content and functioning of these websites shall remain under the sole and entire responsibility of the publisher of the relevant websites. PSA INSURANCE SOLUTIONS shall not be liable for the contents of the websites referred to with hypertext link.
 
  1. Modifications

PSA INSURANCE SOLUTIONS reserves the right to modify, complete and / or delete, and more generally, update, all or part of these Terms of Use, at any time. PSA INSURANCE SOLUTIONS commits to inform Users on the first page of the Site if there is an amendment or an addition with a significant impact.

If the User continues to use the Site after the addition or modification of the Terms of Use, he irrevocably undertakes to accept the revised or updated Terms of Use.

The User must therefore consult them regularly.

  1. Applicable law and jurisdiction

The Site and its content are governed by Italian law, subject to the provisions which cannot be derogated by agreement under the law applicable to the User.

Any dispute related to these Terms of Use will be subject to the exclusive jurisdiction of the Italian courts.

  1. Partners

The site is realized in collaboration with:

  •  Prima Solutions.
  •  Aqubix Ltd is a web design agency based in Malta.
  • Autobiz SA is a Service provider selected by PSA Insurance Solutions to provide Market Value of Vehicles.
  • Geonames is a service is licensed under a Creative Commons Attribution 3.0 License. The original page is available at www.geonames.org
  • SEFAS Innovation Inc.
  • Teleforwarding, global company based in Netherlands, specialised in phone related services http://www.teleforwarding.com/.
  • Netop, global company based in Denmark, specialised in chat functions service https://liveguidechat.com/.
  1. My Account area

These Terms of Use set out in details the conditions of use of the My Account area. By accessing their customer space, customers may, depending on the contracts they have entered into, consult their documentation and / or make changes to their information and / or manage their insurance contracts and / or declare claims and / or lodge complaints. The User acknowledges to have read and accepted without reserve the provisions of these General Terms and Conditions.

Access to the Service

Access to the My Account is reserved for Users who hold a quote and/or an insurance contract purchased via PSA INSURANCE SOLUTIONS.

Access codes

Access to the Online Management Service requires an identification of the User by means of his access codes.

The access codes are composed of:

  •  Login username.
  •  Password created by the User.

The Insurer may not respond to an access request or delete access that could have been granted.

In the event of loss or forgetting of the confidential code, the participant has the possibility to ask to receive a new confidential code which will be sent to him by email.

Actions via My Account area

Provided that such operations are included in the Insurance policy, the My Account area allows the User to carry out the operations described below.

The User can: 

  • Consult his/her Insurance Policy (GTCs and Policy schedule)
  • View list of quotes
  • View details of a quote
  • Edit a quote
  • View list of policies
  • View details of a policy
  • Bind a policy
  • Request termination of a policy
  • Request cancellation of a policy
  • Open a claim
  • Edit personal information such as email address
  • Update password
  • Make payments after due date

PSA Insurance Solutions reserves the right to modify or delete at any time the scope of products, the scope and conditions of online management operations.

11. Live Chat function & Telephone Service
 
At PSA Solutions we want the best for our website visitors. Facilitating the dialogue to comply with our duty to give the relevant advice regarding customer needs is one of our priorities! For that purpose, we want to demonstrate our interest in the digital evolution and decide to provide the following services:
 
  • The Live Chat function service: customers can contact us instantly and make inquiries online. During their visit on our website, our performing and trained advisors will answer their questions in the language of their choice.
  • The Telephone service: PSA Solutions undertakes to provide an adequate answer to help orally the customers regarding the queries they may have before, during or after the subscription process.
To ensure the quality of our services, our insurance advisors are available on Monday to Friday from 9am to 5pm.
 
How can customers access to our telephone service and chat functionality?
 
The service is simple: enter your query in the chat frame and one of our advisors will get back to you as soon as possible. Concerning the telephone service, please contact us through the following phone number: 800-789928. We can also respond your queries by email outside our normal hours (9 to 5pm). 
© PSA Insurance Solutions
PSA Insurance Solutions Ltd Reg No: C83206 is a limited liability company under Maltese Law, having its registered address at: MIB building 53 Abate Rigord Street Ta’ Xbiex Malta, Tel + 356 22 58 34 92. The company is enrolled to act as an insurance agent in terms of the Insurance Intermediaries Act, 2006 by the Malta Financial Services Authority (MFSA), Notabile Road, Attard BKR 3000, Malta.
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