Insurance, made simple and properly covered.

Insurance products in the app are underwritten and provided by licensed insurance partners, including MyCover and its underwriting network. The underwriter — not Lazervault — is responsible for the cover, claims decisions, and payouts under your policy. Your relationship for the insurance contract is with the underwriter.

• Each product has its own policy documents, terms, benefits, exclusions, and waiting periods set by the underwriter.
• The underwriter's policy document is the definitive contract — read it before you buy.
• Information in the app is a summary to help you choose and is not the full policy wording.
• You must provide accurate information; incorrect or incomplete details can affect your cover or a claim.

• Premiums are shown before you confirm and are charged from your Lazervault wallet.
• Cover typically begins once the premium is paid and the policy is issued by the underwriter, subject to any waiting period.
• Renewals, where offered, follow the underwriter's terms; we'll surface reminders where possible.

• Claims are assessed and paid by the underwriter under your policy terms.
• You may need to submit supporting documents and evidence to the underwriter or through the app.
• We'll help route your claim and information, but claim outcomes are the underwriter's decision.
• Report incidents promptly and within any timeframes in your policy.

Every policy has exclusions, limits, deductibles, and conditions defined by the underwriter — for example pre-existing conditions, specific perils, or usage limits. A claim can be declined if it falls outside cover or if eligibility conditions are not met. Always check the policy wording so you know exactly what is and isn't covered.

• Lazervault facilitates discovery, purchase, and management — it does not underwrite risk or guarantee claims.
• Availability of products depends on the underwriter and your eligibility and region.
• We are not liable for the underwriter's decisions, but we'll help you resolve issues that arise through our platform.
• Nothing in the app is insurance or financial advice.

Cancellation, cooling-off, and mid-term changes are handled according to the underwriter's policy terms. Where a cooling-off period applies, you may be able to cancel for a refund within that window, subject to the underwriter's rules. Contact us or use the app to request changes.

Questions about insurance on Lazervault? Email [email protected]. For claims, follow the steps in your policy document or in the app.