Terms & Conditions

1. About This Portal

This lolc motor vehicle insurance portal is designed, built, and maintained by MIC Global Risks Limited, an insurance intermediary registered in Kenya, on behalf of LOLC . MIC Global Risks' role is limited to developing, hosting, and supporting the Portal's technical functionality; MIC Global Risks does not itself underwrite insurance policies.

The Portal is provided for use by authorised staff of LOLC to:

• Generate motor vehicle insurance quotations from participating underwriters;
• Compare quotations across multiple underwriters side by side;
• Report motor vehicle insurance claims on behalf of customers; and
• Request the issuance of motor vehicle insurance stickers/certificates from underwriters.

2. Acceptance of These Terms

By creating an account, logging in, or otherwise using the Portal, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, you must not use the Portal. Continued use of the Portal after any update to these Terms constitutes acceptance of the revised Terms.

3. Eligibility & Account Use

Access to the Portal is restricted to individuals authorised by LOLC or by MIC Global Risks. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorised use of your account.

4. Quotations

Premium quotations generated on the Portal are computed from rate tables configured by each participating underwriter. All amounts calculated are subject to the underwriter's final confirmation.. A quotation does not constitute a binding offer of cover, and cover only takes effect once the relevant underwriter has issued a policy or sticker.

5. Sticker Requests & KYC Documents

To request the issuance of a motor vehicle insurance sticker, you will be required to submit Know-Your-Customer ("KYC") documentation on behalf of the customer (such as a copy of national identification, KRA PIN certificate, vehicle logbook, or, for corporate clients, certificate of incorporation and related company documents). By submitting these documents you confirm that you have the customer's authority and consent to do so.

The internal reference generated by the Portal when a sticker request is created (a "Sticker ID") is used solely for our own internal tracking and is not the official sticker/certificate number. The official sticker number is issued exclusively by the underwriter once they have reviewed and approved the request, and is recorded on the Portal only after the underwriter's response is received.

6. Claims Reporting

The Portal allows you to log a motor vehicle insurance claim on behalf of a customer and forwards the claim details to the relevant underwriter for review. Logging a claim on the Portal does not constitute acceptance or admission of liability by the underwriter. The internal reference generated when a claim is logged (a "Claim ID") is for our own tracking purposes only; the official claim number, and any decision on the claim, rests solely with the underwriter.

7. Accuracy of Information

The user is responsible for the accuracy and completeness of any information and documentation submitted through the Portal, including customer details, vehicle details, and supporting documents. Inaccurate or incomplete information may result in delays, a revised quotation, or a declined request by the underwriter.

8. Role of Underwriters

Participating insurance underwriters are independent third parties. MIC Global Risks and LOLC are not responsible for an underwriter's decision to accept, decline, price, or delay any quotation, sticker request, or claim. Any dispute regarding cover, pricing, or claims settlement is between the customer/user and the relevant underwriter.

9. Data Protection

Personal data and documents submitted through the Portal, including KYC documents, are handled in accordance with our Privacy Policy and the Kenya Data Protection Act, 2019.

10. Intellectual Property

The Portal, including its design, software, and content (excluding customer and underwriter data), is the intellectual property of MIC Global Risks Limited and/or its licensors. You may not copy, reproduce, reverse-engineer, or redistribute any part of the Portal without prior written consent.

11. Portal Availability, Maintenance & Changes

We aim to keep the Portal continuously available, and monitor its core services on an ongoing automated basis. Planned maintenance is scheduled outside business hours where practicable and communicated to LOLC in advance. We may release fixes, updates, and new functionality to the Portal from time to time; material changes affecting how LOLC staff use the Portal, or how customer/KYC data is handled, will be communicated to LOLC in advance of release wherever practicable. Emergency security patches may be applied without advance notice where necessary to protect the Portal, followed by prompt notification to LOLC.

12. Changes to These Terms

We may update these Terms from time to time to reflect changes in the Portal's functionality or applicable law. The "Last updated" date above indicates when these Terms were last revised.

13. Contact Us

For questions about these Terms, please contact MIC Global Risks Limited, 6th Floor, 9 West, Ring Road Parklands, Nairobi, Kenya, or via www.micglobalrisks.com.