Terms of Service

By accessing or using coverocity.com you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the site. You must be at least 18 and able to enter a contract.

Coverocity is a free matching service. We introduce you to licensed insurance agents and carriers. That is the whole of what we do.

**We are not an insurance company. We are not a licensed insurance producer or agency.** We do not issue policies, bind cover, quote binding rates, underwrite, collect premiums, or decide claims. Nothing on this site is an offer of insurance or a guarantee that cover will be offered to you or at any particular price.

Any figure shown before you speak to a licensed agent is an illustration, not a quote. Actual rates and eligibility are set by the carrier and are subject to underwriting.

We do not recommend one agent, carrier or product over another, and we are not your agent, broker or adviser. We do not owe you a fiduciary duty.

The service is free to you. We are paid by the agents and carriers we introduce you to — typically a fee for the introduction, and in some cases a share of revenue if you buy.

That is a commercial relationship and you should know about it. It does not change what you pay for a policy, and it does not mean we are acting on your behalf.

To give information that is true, accurate and your own; to use the site only for your own genuine insurance enquiry; not to submit anyone else's details without their permission; not to use automated means to submit forms; and not to interfere with the site or attempt to access it other than through the interface we provide.

Insurance applications are underwritten on what you tell the carrier. Inaccurate information can lead to a higher rate, a declined application, or a rescinded policy. That is between you and the carrier.

Submitting the form with the consent box ticked is your express written consent for Coverocity and the agents and carriers we match you with to contact you at the number and address you gave, including by automated dialing system or prerecorded voice, about insurance products.

Consent is not a condition of purchase. You may revoke it at any time as described in the Privacy Policy.

Agents and carriers are independent businesses. We do not control them, we do not supervise how they sell, and we are not responsible for what they do — including their quotes, their advice, their policies, their claims handling, or how they use your information once they have it.

Any contract of insurance is between you and the carrier. Disputes about a policy are between you and them.

The site, its content, design and trademarks belong to Coverocity or its licensors. You may use the site for your own personal enquiry. You may not copy, republish, scrape or create derivative works from it without written permission.

The site is provided "as is" and "as available" without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that you will be matched, that any agent will contact you, that any cover will be offered, or that the site will be uninterrupted or error-free.

To the fullest extent the law allows, Coverocity is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, arising from your use of the site or from any dealing with an agent or carrier.

Our total liability for any claim relating to the site will not exceed one hundred US dollars (US$100). Some jurisdictions do not allow these limits, in which case they apply to the extent permitted.

You agree to indemnify Coverocity against claims, losses and reasonable legal costs arising from your use of the site, your breach of these Terms, or information you submitted that was not true or not yours to submit.

**Please read this section — it affects how disputes are resolved.**

Any dispute arising out of these Terms or your use of the site will be resolved by binding individual arbitration under the Federal Arbitration Act, administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court.

**You and Coverocity each waive the right to a jury trial and to participate in a class or representative action.** Either of us may still bring an individual claim in small-claims court.

**You may opt out.** Send written notice to privacy@coverocity.com within 30 days of first accepting these Terms and the arbitration agreement will not apply to you. Opting out does not affect any other part of these Terms.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except where the Federal Arbitration Act governs arbitration. Nothing here removes a consumer protection your home state gives you that cannot be waived.

We may change these Terms. The "last updated" date changes when we do, and continuing to use the site means you accept the change. If a change is material we will make it prominent on this page.

Questions about these Terms: privacy@coverocity.com.