About this site

This web site has been prepared by Wellsmart Insurance Managing Ltd. and/or its related, affiliated and subsidiary companies (hereinafter referred to as “Wellsmart”) and is for general information purposes only. Whilst every effort is made to ensure the accuracy of the information contained on this web site, Wellsmart, its directors, employees and affiliates do not warrant its accuracy or accept any liability (contractual or otherwise) for any loss or damage arising from any error, inaccuracy or omission. None of the information contained on this web site may be copied, except for personal use, or redistributed without prior written consent from Wellsmart. Please be noted that all information provided and suggestions made do not constitute any part of the contract. For full terms, conditions and exclusion, please refer to the respective policy document and the related insurance companies reserve their right of final approval. Those people who accessing these pages are required to observe any relevant restrictions and Wellsmart accepts no liability (contractual or otherwise) in any event.


Legal Information

Please read these terms and conditions carefully before using this web site. Wellsmart reserves the right, at its sole discretion, to change, modify or remove any part of this legal notice at any time. Please check this page periodically for changes.



The material and information in this web site and other sites of Wellsmart are provided “as is” and without warranties of any kind, either expressed or implied. Wellsmart disclaim all warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Wellsmart does not represent or warrant that any of the information presented on its web pages, this web site or on the internet generally, will be uninterrupted or error free, that defects will be corrected, or that this web site or the server from which it is accessed are free from viruses, worms, trojan horses or other harmful components.

In no event shall Wellsmart be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this web site. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by Wellsmart is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. You are advised to consult your own legal advisor with respect to your personal situation.


Intellectual Property

Unless otherwise noted, the trademarks, trade names, logos, graphic images, button, layout, and text contained in this web site are the exclusive property of Wellsmart and be used with permission. It may not be copied or distributed, in whole or in part, without the express written consent of Wellsmart. Permission is granted to print copies of the contents of this web site, and to display and use the contents of this web site for personal use only.


Jurisdictional Issues

Unless otherwise expressly set forth herein, Wellsmart makes no representation that materials in this web site are appropriate for use in any situation and location. Those who choose to access this web site do so on their own initiatives and are responsible for compliance with local laws.

The information contained in this web site is not an offer to sell. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or the laws of such jurisdiction.



Wellsmart cannot guarantee that the hyperlinks, pointer or other linking functions ("Hyperlink") set out in their web sites will be accurate at the time of your access. Moreover, our web sites pointed at by Hyperlinks are developed and possibly maintained by persons over whom Wellsmart have no control. Wellsmart cannot and do not monitor the sites linked to our web pages on the Internet. Accordingly, Wellsmart assume no responsibility for the content of any sites referenced to by any Hyperlink or otherwise. Wellsmart believe that their making Hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide Hyperlinks to this web site without prior written consent of Wellsmart.


Software Quality

Wellsmart does not warrant that any information, software or other material accessible through one of our web pages is free of viruses, worms, Trojan horses or other harmful component. Wellsmart assume no responsibility and shall not be liable for any direct, indirect, incidental or consequential damage that results from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through one of our web pages, this web site or the web site of any linked third parties.


User Conduct

When accessing or making use of any service provided on the web pages you may not:

  1. post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.
  2. post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using the web site.
  3. post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through our web pages for commercial purposes other than expressly permitted.


Update of Information

This page is updated and modified from time to time. Every time you access web pages of Wellsmart, make sure that you check this page.

IMPORTANT: By accessing this web site and any of its pages you are agreeing to the terms set out above. Thank you for choosing Wellsmart Insurance.