Before entering in insurance agreement, in order to make an informed choice and create the right expectations, you should know your rights.
Before signing an insurance agreement, you have the right to receive a detailed description of the insurance conditions, as well as a reliable, accurate and non-misleading information on the insurance cover.
When an Insurer offers you an insurance product in the written (material / electronic) form, it must be accompanied with an “Information Leaflet” about the given insurance product. If the Insurer offers you an insurance product verbally, the above information must be delivered to you in the verbal form.
Insurance agreement may include various documents (e.g. insurance contract, insurance terms and conditions, insurance policy, attachments, etc.). Upon signing of the agreement, together with your copy of the contract, you must also receive the “Essential conditions of the contract”, which provide basic information about the insurance product, together with all the documents comprising the insurance agreement.
If, after offering an insurance product and before signing of the insurance agreement, the insurance conditions have changed and the Insurer knows that you are relying on them in good faith, the Insurer is obliged to provide you with this information and explanation of the changed / updated conditions.
During the period of validity of the remotely signed insurance agreement, you have the right to request changes to the agreed means of remote communication, if this does not contradict the agreement and/or the nature of the insurance product.
Upon request, the Insurer must within a reasonable time and without any additional payment, provide you with standard information on the insurance agreement.
Upon request (including in case of the remotely signed agreement), the Insurer must within a reasonable time and without any additional payment, provide you with all the accompanying documents in the material form.
If any changes to the agreement are expected, the Insurer must inform you accordingly, in the form of a preliminary notice provided by the agreement. The notice must be delivered to you directly, and not through the Insurer’s web site.
Based on the mutual agreement between you and the Insurer, preliminary notice may not be needed, if the changes in the agreement are for your benefit.
Should you be dissatisfied with the provided services or an insurance product, you have the right to file a complaint with a special structural unit of the Insurer.
In case of violation of any if your rights by the Insurer, insurance agent or insurance broker, you are entitled to apply to the Insurance State Supervision Service of Georgia.