Terms of Service

1. Acceptance of Terms

Welcome to Smartguard, your trusted partner in commercial vehicle insurance. By accessing or using our services, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not use our services.

2. Description of Service

Smartguard provides insurance services for commercial vehicles, including but not limited to:

• Commercial car insurance
• Cargo car insurance
• Fleet vehicle coverage
• Specialized commercial vehicle policies

Our services are designed to protect your business assets and mitigate risks associated with commercial vehicle operations.

3. User Responsibilities

As a user of Smartguard services, you are responsible for:

• Providing accurate and up-to-date information about your vehicles and business operations
• Promptly reporting any changes that may affect your coverage
• Adhering to all applicable laws and regulations regarding commercial vehicle operation
• Maintaining the confidentiality of your account information

4. Policy Terms and Conditions

Each insurance policy is subject to specific terms and conditions, which will be provided to you upon policy issuance. It is crucial to review these documents carefully and understand your coverage limits, deductibles, and exclusions.

5. Premium Payments

Premiums must be paid in accordance with the payment schedule outlined in your policy. Failure to make timely payments may result in policy cancellation or lapse in coverage.

6. Claims Process

In the event of an incident requiring a claim:

1. Report the incident to Smartguard immediately
2. Provide all necessary documentation and information as requested
3. Cooperate fully with any investigation or assessment process

Smartguard reserves the right to deny claims that do not meet policy requirements or are found to be fraudulent.

7. Privacy and Data Protection

Smartguard is committed to protecting your privacy. We collect and use your information in accordance with our Privacy Policy, which is available on our website.

8. Modifications to Service

Smartguard reserves the right to modify or discontinue, temporarily or permanently, the service with or without notice. You agree that Smartguard shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

9. Limitation of Liability

To the fullest extent permitted by law, Smartguard shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

11. Contact Information

If you have any questions about these Terms, please contact us at: