Terms and Conditions of Use

Updated January 31, 2024
Updated January 31, 2024
Description of Quoting, Policy Purchases and Payment
General. We provide an opportunityto apply for and purchase insurance policiesissued by third-party insurance companies. ­

Policy Renewals. ­Priorto the expiration of the then current term,pricing information will be provided for your policy for the ensuing renewalterm. If you do not wish to renew for the next term, you must cancel your policyby contacting your servicing agent as described in your policy paperwork.

Payment. The policy purchase price quoted to you as part of the application process is charged to your payment instrument at the time of purchase.

Insurance Contract. The Insurance Policy purchased by you is a separate contract between you and the insurance company which issues the policy. CoverHound is not party to and assumes no liability under the policy, and all claims you may make under the policy must be filed directly with the insurer in accordance with your policy provisions, terms and conditions.

Sharing of Registration Data. To complete the insurance application process, you will be required to provide certain information and data, including payment instrument information (“Registration Data”). By completing the application process, you agree that all information provided in theRegistration Data is true and accurate. In order to provide you with a quote it is necessary for us to share your Registration data, including payment information, with insurers and payment processors. You hereby authorizeCoverHound and its partners to capture and share such information as described above and as described in our Privacy Policy.

Electronic Delivery of Documents. We and our partners may deliver certain insurance documents and communications through electronic means. You hereby consent to electronic delivery of all documents and communications relating to insurance purchased through CoverHound. This consent for electronic delivery is effective until you withdraw it. It also means that we may choose not to provide hard copies of any document or communication that we deliver to you electronically. Accordingly, you should retain a copy of any document or communication for your records if you wish to do so. The delivery of documents and communications to you electronically pursuant to this consent in lieu of paper copies shall not affect the validity, legal effect or enforceability of such documents and communications. You may withdraw your consent to electronic delivery by providing notice to us, but your withdrawal will not affect or change in any way the legal effectiveness, validity or enforceability of any documents that were delivered to you electronically before your withdrawal became effective. Notice to withdraw your consent to electronic delivery must be sent to the attention of Customer Service at optout@coverhound.com, if by email, or at CoverHound LLC, PO Box 9070, Carlsbad, CA 92018-9070, if by conventional mail. If you provide us notice of withdraw of your consent for electronic delivery, your withdrawal will not become effective until ten (10) business days after our receipt of your notice of withdraw. You may request that we send you a paper copy of any document that was originally provided to you electronically, and we will send that document at no charge.

Third Party Disputes. Any dispute you have with any third-party, including but not limited to your insurance company, is directly between you and such third-party, and you irrevocably release us (and our officers, directors, agents, parent company, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. If you are a California resident, you waive California civil code§1542, which says: “a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”
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