Terms & Conditons
Effective Date: April 9, 2025
Welcome to 365 Auto Insurance. These Terms and Conditions govern your use of our website, quote tools, and insurance services. By accessing our website or purchasing a policy, you agree to be bound by these terms. If you do not agree, please do not use our services. We are here for you every single day of the year, and we want our relationship to be clear and fair from the start.
1. Acceptance of Terms
By using 365 Auto Insurance services, you represent that you are at least eighteen years old and legally capable of entering into a binding agreement. You agree to comply with all applicable federal, state, and local laws and regulations. If you are using our services on behalf of another person or organization, you represent that you have the authority to bind that party to these terms.
2. Insurance Quotes and Applications
All insurance quotes provided through our website are estimates based on the information you provide. Quotes are not binding offers of coverage. Final premiums and coverage terms are determined by the insurance carrier after a complete underwriting review.
Providing false or inaccurate information on an insurance application may result in:
Denial of coverage
Cancellation of your policy
Denial of claims
Civil or criminal penalties for insurance fraud
You are solely responsible for reviewing your policy documents carefully upon receipt. Contact us immediately if any information is incorrect. We are not responsible for errors in coverage resulting from inaccurate information you provide.
3. Policy Terms
Your insurance policy is a legal contract between you and the insurance carrier. 365 Auto Insurance acts as an intermediary and is not the insurer. The specific terms, coverages, limits, deductibles, exclusions, and conditions are detailed in your policy documents.
Important policy provisions include:
Coverage applies only to vehicles and drivers specifically listed on the policy
You must report claims promptly as specified in your policy, typically within twenty four to forty eight hours
Premiums may change at renewal based on claims history, driving record, credit changes, and other rating factors
Policy cancellation terms vary significantly by state and by carrier
In the event of any conflict between these Terms and Conditions and your actual insurance policy documents, your policy documents control.
4. Payments and Billing
By purchasing a policy through 365 Auto Insurance, you authorize us to charge your provided payment method for all applicable premiums, fees, and taxes.
Payment Terms:
Premiums are due as specified in your payment schedule at the time of purchase
Late payments may result in policy cancellation and coverage gaps
Returned checks or failed electronic payments may incur fees from your bank or from the carrier
You are responsible for keeping your payment information current and accurate
We may use third party payment processors to securely handle transactions
Refunds:
Refunds for cancelled policies follow your insurance carrier’s specific rules
Unearned premiums are typically refunded on a pro rata or short rate basis depending on the carrier
Some policies may charge cancellation fees that reduce your refund
365 Auto Insurance service fees may be non refundable after your policy has been bound
5. Claims Process
To file a claim, contact our 24/7 claims hotline or use our online claims portal. We are available every day of the year, including weekends and holidays.
Your Claims Responsibilities:
Cooperate fully and promptly with the claims investigation
Provide all requested documentation including police reports, photos, and witness information
Do not admit fault or settle any claims without carrier approval
Take reasonable steps to protect damaged property from further loss
Notify us immediately of any changes in your circumstances that may affect the claim
Claims decisions are made by the insurance carrier, not by 365 Auto Insurance. We will advocate on your behalf throughout the process, but we cannot guarantee claim outcomes or payment amounts.
6. User Conduct
When using our website and services, you agree not to engage in any of the following prohibited activities:
Provide false, misleading, or incomplete information on any form or application
Use our services for any illegal purpose or in violation of any law
Attempt to gain unauthorized access to our systems, networks, or data
Interfere with the normal operation of our website or services
Scrape, copy, data mine, or extract content from our website without written permission
Transmit viruses, malware, ransomware, or any other harmful code
Harass, abuse, threaten, or intimidate our employees, agents, or other customers
Impersonate any person or entity or falsely state your affiliation with any person or entity
Violation of these terms may result in immediate termination of your access and may lead to civil or criminal legal action.
7. Intellectual Property
All content on the 365 Auto Insurance website including text, graphics, logos, icons, images, videos, software, and compilations is our property or the property of our licensors. It is protected by United States and international copyright, trademark, and other intellectual property laws.
You may not:
Reproduce, distribute, modify, create derivative works from, or publicly display our content without our prior written permission
Use our trademarks, service marks, or logos without our written consent
Frame or mirror our website on any other website or platform
You may:
Download or print a single copy of content for your personal, non commercial use related to obtaining insurance
Share links to our content on social media with proper attribution
8. Limitation of Liability
To the fullest extent permitted by applicable law, 365 Auto Insurance and our employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
This includes but is not limited to:
Loss of profits, revenue, data, or business opportunities
Costs of substitute services or replacement coverage
Emotional distress or inconvenience
Damages arising from denied, delayed, or underpaid claims
Losses caused by insurance carrier actions, errors, or insolvency
Damages from accidents, injuries, or property damage
Our total liability to you shall not exceed the total fees you paid to 365 Auto Insurance in the twelve months preceding the event giving rise to the claim.
Some states do not allow certain limitations of liability. Some of these limitations may not apply to you.
9. Disclaimer of Warranties
Our services are provided on an “as is” and “as available” basis. 365 Auto Insurance makes no representations or warranties of any kind, express or implied, including:
Warranties of merchantability or fitness for a particular purpose
That our website will be uninterrupted, error free, secure, or free from viruses
That quotes or information provided will be completely accurate or up to date
That any insurance carrier will accept your application or pay your claim
We do not guarantee specific coverage, premiums, claim outcomes, or approval from any carrier.
10. Indemnification
You agree to indemnify, defend, and hold harmless 365 Auto Insurance, our employees, agents, officers, directors, and affiliates from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:
Your violation of these Terms and Conditions
Your use of our services
Your violation of any third party rights including insurance carriers and other drivers
Any false, inaccurate, or misleading information you provide
Your negligent or intentional acts or omissions
11. Third Party Links
Our website may contain links to third party websites or services that are not owned or controlled by us. We do not control or endorse these external sites. We are not responsible for their content, privacy practices, terms of use, or any products or services they offer. You access them at your own risk.
12. Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason including violation of these Terms and Conditions. Upon termination:
Your right to use our services ceases immediately
Any pending quotes or applications may be cancelled
You remain responsible for any premiums due for active policies
Provisions that by their nature should survive termination shall survive, including liability limitations, indemnification, and dispute resolution provisions.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any legal action or proceeding arising from these terms shall be brought exclusively in the state or federal courts located in New York County, New York. You consent to personal jurisdiction in those courts.
14. Dispute Resolution and Binding Arbitration
We encourage you to contact us first to resolve any disputes informally. Most issues can be resolved this way.
If we cannot resolve a dispute informally, you agree to resolve any claims through binding individual arbitration rather than in court, unless your claim qualifies for small claims court. Arbitration is conducted by a neutral arbitrator and is less formal than court.
Class Action Waiver: Class action lawsuits and class wide arbitrations are not permitted. You agree to bring claims only in your individual capacity. You may not act as a class representative or participate in any class action.
To initiate arbitration, you must send a written notice to our Legal Department describing your claim. The arbitration will be conducted by the American Arbitration Association under its consumer arbitration rules.
15. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid by a court or arbitrator of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary. The remaining provisions shall remain in full force and effect.
16. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and 365 Auto Insurance regarding your use of our services. They supersede any prior agreements, understandings, or representations, whether written or oral.
17. Waiver
Our failure to enforce any right or provision of these Terms and Conditions shall not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of 365 Auto Insurance.
18. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. The updated effective date will be noted at the top of this document.
Your continued use of our services after changes are posted constitutes your acceptance of the revised terms. If you do not agree with any changes, you must stop using our services immediately. We encourage you to review these terms periodically.