Terms and Conditions
General conditions
What you need to know
Clause 1
1. Website use
The website serves informational and commercial purposes. By browsing, you agree to use the contents lawfully and responsibly, respecting applicable Mozambican law.
Clause 2
2. Quotation and proposal
The initial quotation is an estimate. The final price, limits, exclusions, and acceptance depend on risk analysis and document verification by our technical team.
Clause 3
3. Contracting and coverage
Contracting only occurs after formal proposal acceptance and compliance with legal requirements. Coverage begins as per the date and conditions specified in the issued policy.
Clause 4
4. Claims and documentation
Claims handling requires minimum event data and submission of requested documents. Timelines and criteria vary by product and are specified in the contracted policy.
Clause 5
5. Contractual hierarchy
If there is a difference between this website and contractual documents, the formal proposal, specific conditions, general conditions, and official policy annexes take precedence.
Clause 6
6. Intellectual property
Horizonte Seguros' texts, brand, and visual elements cannot be reproduced, distributed, or used without prior written authorisation.
Clause 7
7. Updates
These terms may be updated due to legal, regulatory, or operational changes. We recommend checking this page regularly. Last updated: 21 February 2026.
Have questions?
Our team is available to clarify any questions about these terms of use or our services.