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Return policy

1. General provisions

This policy regulates the conditions under which customers may request the termination of insurance policies brokered through Destine Broker's online platform.

By purchasing an insurance policy online, the customer confirms that he has read and agrees with the insurer's terms and conditions, as well as with the applicable legal provisions.

2. Lack of online return rights

Insurance policies are regulated financial products, personalized according to the data provided by the client (e.g. personal data, vehicle, insurance period, etc.).

In accordance with the legislation in force in the Republic of Moldova, issued insurance policies cannot be returned or canceled through an automatic online mechanism.

Termination of the insurance contract can only be carried out by submitting a request in physical format , with the client's presence at the broker's or insurer's headquarters.

3. Termination procedure

To terminate an insurance policy, the client must:

  • physically present themselves at the headquarters of Destine Broker or the issuing insurer;
  • submit a signed termination request;
  • present your identity document and, where applicable, supporting documents (e.g. sale of the vehicle, deregistration, other legal reasons).

Termination is carried out in accordance with the contractual conditions and legal provisions applicable to each type of insurance.

4. Refund of insurance premiums

In case of approval of termination:

  • the refund of the amounts paid is made exclusively after the effective termination of the insurance contract ;
  • the refunded value is calculated based on a recalculation of the insurance premium , taking into account the period during which the policy was active and any damages caused;
  • The refund deadline depends on the insurer's internal procedures.

The broker does not directly make refunds, these are made by the issuing insurance company.

5. Legal framework

This policy is developed in accordance with the legislation of the Republic of Moldova, including, but not limited to:

  • Law No. 92/2022 on insurance or reinsurance activity;
  • Civil Code of the Republic of Moldova;
  • Normative acts issued by the supervisory authority (CNPF).

6. Limitation of liability

Destine Broker acts as an intermediary and does not have the right to modify the contractual conditions of insurance policies issued by insurers.

Decisions regarding termination and refund of premiums belong exclusively to the insurer, in accordance with applicable law and contractual conditions.

7. Contact

For additional information regarding policy cancellation, please contact us: