Terms of Service

1. Introduction

Welcome to Fyloq, your trusted partner in car insurance for novice drivers in Canada. By accessing or using our services, you agree to be bound by these Terms of Service. Please read them carefully before proceeding.

2. Service Description

Fyloq provides specialized car insurance services tailored for novice drivers. Our goal is to offer comprehensive coverage that addresses the unique needs and challenges faced by new drivers on Canadian roads.

3. Eligibility

To be eligible for our novice driver insurance, you must:

• Be a resident of Canada
• Hold a valid Canadian driver's license
• Be classified as a novice driver according to your provincial regulations
• Own or lease a vehicle that meets our insurability criteria

4. Policy Terms

4.1 Coverage: Our policies provide coverage as specified in your individual policy document. It is crucial to review your policy carefully to understand the extent of your coverage.

4.2 Premium Payments: Premiums must be paid on time according to the payment schedule outlined in your policy. Failure to make timely payments may result in policy cancellation.

4.3 Policy Changes: Any changes to your circumstances that may affect your policy must be reported to Fyloq immediately. This includes changes in address, vehicle, or driving status.

5. Claims Process

In the event of an accident or incident requiring a claim:

1. Ensure the safety of all parties involved
2. Contact the appropriate authorities if necessary
3. Document the incident with photos and notes
4. Contact Fyloq's claims department as soon as possible
5. Provide all requested information honestly and promptly

6. Privacy Policy

Fyloq is committed to protecting your privacy. Our detailed privacy policy outlines how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices.

7. Termination of Services

Fyloq reserves the right to terminate services for violations of these terms, fraudulent activity, or as required by law. Policyholders may also terminate their policy subject to the conditions outlined in their policy document.

8. Amendments to Terms

Fyloq may amend these Terms of Service from time to time. We will notify policyholders of any significant changes. Continued use of our services after such changes constitutes acceptance of the new terms.

9. Contact Information

For any questions or concerns regarding these Terms of Service, please contact our customer service team at:

Fyloq Insurance
123 Insurance Avenue
Toronto, ON M5V 2T6
Phone: (416) 555-0123
Email: [email protected]