Terms and Conditions
Effective Date: 01/04/2026
Last Updated: 01/04/2026
These Terms and Conditions (“Terms”) govern access to and use of the website schengenprotect.com and the services provided through it.
By using this website, requesting a quote, purchasing a policy, or otherwise using our services, you agree to these Terms.
If you do not agree, please do not use this website.
1. Company Information
This website is operated by:
DIUNA SOLUTIONS SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ
ul. Skromna 5/5
20-704 Lublin
Poland
KRS: 0000878295
NIP: 7123412821
REGON: 387915248
Email: contact@schengenprotect.com
Throughout these Terms, “SchengenProtect”, “we”, “us”, or “our” refers to the operator above.
2. Nature of Service
SchengenProtect acts as an insurance intermediary / distributor offering access to travel insurance products designed for individuals applying for Schengen visas or travelling to Europe.
SchengenProtect is not necessarily the insurer underwriting the insurance policy.
Insurance products available through the platform may be underwritten, administered, or supported by AXA Partners or affiliated insurance entities, subject to applicable policy documentation.
3. Eligibility
You may use this website only if:
- you are at least 18 years old or legally capable under applicable law,
- you have authority to purchase insurance for yourself or another person,
- all information submitted is accurate and complete,
- your use of the website is lawful in your jurisdiction.
4. Insurance Products
All insurance products are subject to:
- eligibility requirements,
- underwriting criteria,
- territorial restrictions,
- policy wording,
- exclusions,
- cancellation rules,
- insurer approval.
Coverage details are contained in the policy documents and not solely on this website.
In case of conflict between website content and policy wording, the policy wording prevails.
5. Quotes and Pricing
Quotes displayed on the website:
- are based on the information you provide,
- may change if information changes,
- may be withdrawn or corrected in case of technical error,
- do not guarantee issuance until confirmed.
We reserve the right to correct pricing errors, calculation errors, or technical inaccuracies.
6. Customer Information Obligations
You agree to provide truthful, complete, and current information including:
- identity details,
- travel dates,
- nationality,
- destination,
- residence information,
- contact details.
Failure to provide correct information may result in:
- refusal of cover,
- cancellation,
- claim denial,
- policy amendment.
7. Payment
Payment must be made using an approved payment method offered on the website.
Policies may only become effective after successful payment confirmation.
We may use third-party payment processors. We do not guarantee uninterrupted banking or card processing services.
8. Delivery of Policy Documents
Where approved, policy documents are usually sent electronically by email or made available online.
You are responsible for:
- providing a valid email address,
- checking spam/junk folders,
- downloading and reviewing documents.
9. Visa Disclaimer
Purchase of travel insurance does not guarantee approval of any Schengen visa or any other visa.
Visa decisions are made exclusively by embassies, consulates, immigration offices, or other competent authorities.
SchengenProtect and AXA Partners are not responsible for visa refusals, delays, or administrative decisions.
10. Claims
Claims must be made in accordance with the insurer’s policy wording and claims procedure.
SchengenProtect may assist administratively, but claim decisions are made by the insurer or appointed claims administrator.
Claim approval is subject to:
- policy terms,
- exclusions,
- evidence requirements,
- fraud checks,
- insurer assessment.
11. Cancellations and Refunds
Cancellation and refund rights depend on:
- applicable law,
- whether the policy has started,
- whether travel has commenced,
- whether a claim has occurred,
- insurer rules.
Some policies may be non-refundable after issuance.
Users should review cancellation terms before purchase.
Separate Refund Policy may apply.
12. Use of Website
You agree not to:
- submit false applications,
- misuse payment systems,
- scrape or copy content,
- introduce malware,
- interfere with website operations,
- impersonate others,
- use the website for unlawful purposes.
We may suspend access where misuse is suspected.
13. Intellectual Property
All website content including text, logos, graphics, layout, software, branding, and databases is protected by intellectual property law unless otherwise stated.
No content may be copied or commercially reused without prior written permission.
14. Limitation of Liability
To the maximum extent permitted by law:
SchengenProtect shall not be liable for:
- visa refusal,
- missed travel,
- embassy delays,
- user data entry errors,
- third-party platform outages,
- indirect or consequential loss,
- losses beyond our reasonable control.
Nothing excludes liability that cannot legally be excluded.
15. Force Majeure
We are not liable for delay or failure caused by events outside reasonable control including:
- war,
- pandemic,
- cyberattack,
- payment network failure,
- governmental restrictions,
- internet outages,
- natural disaster.
16. Data Protection
Personal data is processed in accordance with our Privacy Policy.
By using the website, you acknowledge that certain data may need to be shared with insurers, administrators, payment providers, and service partners to provide requested services.
17. International Users
This website serves customers located worldwide, including persons residing outside the Schengen Area.
Users are responsible for ensuring that purchasing insurance through this website is lawful in their country of residence.
18. Complaints
Complaints regarding website services may be sent to:
Insurance complaints relating to claims or policy performance may also need to be submitted directly to the insurer or claims administrator under policy procedures.
19. Changes to These Terms
We may update these Terms from time to time.
Updated versions become effective once published on the website unless stated otherwise.
20. Governing Law
These Terms shall be governed by the laws of Poland, unless mandatory consumer protection law in your country of residence requires otherwise.
21. Jurisdiction
Any dispute relating to website services shall be subject to the competent courts of Poland, unless mandatory law provides otherwise.
22. Contact
For questions regarding these Terms:
SchengenProtect
Email: contact@schengenprotect.com
23. Governing Language
These Terms are drafted in English. Where translations exist, the English version shall prevail to the extent permitted by law.
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