1. Agreement
These Terms of Service (“Terms”) set out the general terms under which Your Insurance Company (“we”, “us”, or “our”) provides insurance products, related services, online tools, and customer support to policyholders and users (“you” or “your”). By purchasing a policy, accessing our website, or using our services you agree to these Terms and any documents referenced herein, including policy contracts, endorsements, and privacy policies.
2. Services
We offer insurance products and services including, but not limited to, policy issuance, renewals, endorsements, claims handling, risk management advice, and online account management. Specific terms for each product are governed by the policy document issued to you.
3. Eligibility
To buy or maintain a policy you must meet eligibility requirements that vary by product and jurisdiction. You must provide accurate information during application and notify us of material changes. Providing false or incomplete information may result in policy cancellation or denial of claims.
4. Policy Terms
Your insurance policy is a legal contract between you and the insurer named on the policy. The policy document, schedule, endorsements, and any declarations form the complete agreement. In case of conflict between these Terms and a policy document, the policy document controls for matters specific to that policy.
5. Payments & Premiums
Premiums, fees, and payment schedules are set out in your policy schedule. Failure to pay premiums when due may result in cancellation or lapse of coverage. We may offer installment plans—late fees or interest may apply. All premiums are subject to applicable taxes, assessments, and regulatory charges.
6. Claims
To make a claim, follow the claims instructions in your policy or on our website. Prompt reporting and cooperation are required. We will investigate claims, determine coverage, and, if covered, arrange payment or repair subject to policy limits and terms. We aim to process claims promptly and fairly.
7. Limits & Exclusions
Policies include limits, deductibles, and exclusions. Common exclusions include intentional acts, war, nuclear events, and deliberate criminal acts. Please read your policy carefully to understand covered risks and any exclusions or sublimits that apply.
8. Privacy
We collect and process personal information to underwrite, service policies, and handle claims. Our Privacy Policy explains what we collect, how we use it, how we share it, and your privacy rights. By using our services you consent to such processing as described in the Privacy Policy.
9. Liability
Except as provided in a policy, our liability to you is limited to the amounts specified in the applicable insurance contract. We are not responsible for indirect, incidental, special, or consequential damages to the extent permitted by law.
10. Termination
Policies may be cancelled or nonrenewed in accordance with their terms and applicable law. We may suspend services or refuse new business if you violate these Terms or fail to meet underwriting requirements.
11. Dispute Resolution
Disputes arising from these Terms or a policy will be governed by the law specified in your policy. Where permitted, disputes may be subject to arbitration or mediation. Nothing in these Terms limits your right to file a regulatory complaint with your local insurance regulator.
12. Changes to Terms
We may revise these Terms from time to time. Material changes will be communicated by email, posting on our website, or other means. Continued use of our services after notice constitutes acceptance of the updated Terms.
Acknowledgment
By purchasing or renewing a policy you acknowledge that you have read and agree to these Terms and to any documents referenced within.