Terms of Service

ATTENTION: PLEASE CAREFULLY READ THE FOLLOWING CONDITIONS BEFORE USING THIS WEB PRESENTATION. BY USING THIS PRESENTATION YOU ACCEPT THE AFOREMENTIONED CONDITIONS. IF YOU DO NOT ACCEPT THESE CONDITIONS (“CONDITIONS”) WE ASK THAT YOU DO NOT USE THIS PRESENTATION

Dear visitors,

Welcome to the official internet presentation of the Joint Stock Insurance Company “DDOR Novi Sad” a.d.o. Novi Sad, www.ddor.rs

By using the web presentation you agree to the rules prescribed under the General Conditions of using the web page. (hereinafter: Terms)

The contents uploaded to this web page are property of the Joint Stock Insurance Company “DDOR Novi Sad“ a.d.o. Novi Sad.

Printing, copying, presenting, altering, distributing, reproducing or publishing any part or the entire contents of the internet page is not allowed in any way without a written consent of “DDOR Novi Sad” a.d.o., apart from browsing or printing parts of the internet page for personal, non-commercial needs of users.

“DDOR Novi Sad” a.d.o. shall not be held liable nor shall it assume any kind of responsibility for any detrimental consequences resulting from a shorter or longer downtime of the web service, problems with the internet connection, computer equipment malfunction or problems therewith, malfunction of telecommunication equipment or some other type of device and equipment that is not controlled or affected by “DDOR Novi Sad” a.d.o. Novi Sad.

When arranging online purchase of insurance policies, the policyholder shall provide true, complete, and accurate data, and answer all questions correctly and accurately.

“DDOR Novi Sad” a.d.o. shall not be held liable for entering incomplete, incorrect or inaccurate data provided by the client in the process of online purchase.

“DDOR Novi Sad” a.d.o. may request that the contract be annulled if the policyholder intentionally inaccurately reported, or failed to mention a circumstance or information that would lead the insurer, had he known the real state of things, not to conclude the contract.

If a policyholder unintentionally provided an inaccurate application or failed to provide due explanation, “DDOR Novi Sad” a.d.o. shall keep the right to demand contract cancellation or propose an increase in premium, in proportion to the greater risk, within thirty days from gaining knowledge of the inaccuracy or incompleteness of the application.

Contracting parties shall resolve any disputes regarding the concluded insurance contract by mutual agreement. In case the insured is dissatisfied, or deems that his rights stemming from the insurance contract are violated, he shall be entitled to submit a complaint to the insurer. The insurer shall respond to every complaint of the insured, within 14 days from the date of receiving the complaint.

If the insured is dissatisfied with the insurer’s reply to his complaint, he can exercise his rights in the process of amicable resolving of the dispute through mediation, with the National Bank of Serbia as the mediator.

In case of a court dispute regarding the usage of this web page or services of online purchase of insurance, the court of Novi Sad shall hold subject matter jurisdiction, according to the registered office of “DDOR Novi Sad” a.d.o.

ddor.rs provides users with links to other web presentations. The links are published with good intention. ddor.rs shall not be held liable for contents of the presentations that are accessed through the provided links.

DDOR Novi Sad” a.d.o. disclaims liability for the contents of the presentations that are accessed through the links, and for losses resulting from circumstances to which “DDOR Novi Sad” a.d.o. could not influence, or which were beyond control and influence of “DDOR Novi Sad” a.d.o.