Terms of Service

By using MullInsure's website or services, you confirm that you are at least eighteen years of age and have the legal capacity to enter into this agreement. If you are using our services on behalf of a business or organization, you represent that you have the authority to bind that entity to these terms.

These terms constitute a legally binding agreement between you and MullInsure. Your continued use of our services after any changes to these terms indicates your acceptance of the modified terms. We reserve the right to update or modify these terms at any time, and we will notify you of significant changes through email or a notice on our website.

MullInsure provides a platform for obtaining auto insurance quotes and purchasing insurance policies. Our services include access to our website, quote comparison tools, policy management features, and customer support. You agree to use these services only for lawful purposes and in accordance with these terms.

When requesting quotes or applying for coverage, you must provide accurate, complete, and truthful information. Providing false or misleading information may result in denial of coverage, cancellation of your policy, or denial of claims. You are responsible for updating your information promptly when changes occur that may affect your coverage or premiums.

When you purchase an insurance policy through MullInsure, you enter into a separate agreement with the insurance carrier providing your coverage. While we facilitate the quote and purchase process, the actual insurance contract is between you and the carrier. Your policy documents contain the specific terms, conditions, coverage limits, exclusions, and obligations that govern your insurance.

We work with licensed insurance carriers to provide you with coverage options. The availability of specific coverage types, policy limits, and pricing depends on various factors including your location, driving history, vehicle type, and the underwriting criteria of our partner carriers. Not all coverage options may be available in every location or for every driver.

Premium quotes provided on our website are estimates based on the information you provide. Final premiums may vary based on additional underwriting review, verification of information, and other factors determined by the insurance carrier. All policies are subject to approval by the carrier's underwriting department.

It is your responsibility to read and understand your insurance policy documents thoroughly. If you have questions about your coverage, contact us or your insurance carrier directly for clarification before assuming you are covered for a specific situation.

You agree to pay all premiums and fees associated with your insurance policy according to the payment schedule outlined in your policy documents. Payment options may include monthly installments, quarterly payments, or annual payments depending on your policy and the carrier's requirements.

Failure to make timely payments may result in late fees, loss of coverage, or cancellation of your policy. If your policy is cancelled for non-payment, you may face gaps in coverage that could result in higher premiums when you seek new coverage. Additionally, driving without insurance where required by law may subject you to fines, penalties, or legal consequences.

You are responsible for ensuring that your payment information is current and accurate. If your payment method fails, we will attempt to notify you and provide an opportunity to update your information before cancellation occurs. However, it is your responsibility to maintain continuous coverage by ensuring payments are made on time.

You have the right to cancel your insurance policy at any time by providing written notice to us or your insurance carrier. Cancellation terms, including any applicable fees or refund calculations, are outlined in your policy documents and may vary by carrier and location.

Some policies include a free look period during which you can cancel without penalty and receive a full refund. After this period, refunds are typically calculated on a pro-rata basis, meaning you receive a refund for the unused portion of your policy term minus any cancellation fees if applicable.

Insurance carriers may also cancel your policy under certain circumstances such as non-payment of premiums, material misrepresentation or fraud, substantial increase in risk, or loss of driving privileges. If your policy is cancelled by the carrier, you will receive notice as required by law, typically thirty days in advance unless cancellation is due to non-payment or fraud.

MullInsure acts as an insurance intermediary and technology platform. We connect you with licensed insurance carriers but do not provide insurance coverage ourselves. Our liability is limited to facilitating the quote and purchase process and providing customer support for policy administration.

We make reasonable efforts to ensure the accuracy of information on our website and in our communications, but we do not guarantee that all information is complete, accurate, or current. Premium quotes are estimates and subject to change based on carrier underwriting. We are not responsible for errors or omissions in the information provided by insurance carriers.

All content on the MullInsure website, including text, graphics, logos, images, software, and design elements, is owned by MullInsure or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes related to obtaining insurance quotes and managing your policies. This license does not include the right to download, copy, or redistribute our content for any other purpose.

Your use of MullInsure services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement reasonable security measures to protect your data, but no system is completely secure. You are responsible for maintaining the confidentiality of your account credentials and for any activities that occur under your account. Notify us immediately if you suspect unauthorized access to your account.

If you have a dispute with MullInsure, we encourage you to contact us first to attempt to resolve the issue informally. Most concerns can be addressed quickly through direct communication with our customer support team.

These terms are governed by the laws of the jurisdiction in which MullInsure operates, without regard to conflict of law principles. Any legal action or proceeding relating to these terms shall be brought exclusively in the courts of that jurisdiction, and you consent to the jurisdiction and venue of such courts.

For disputes regarding your insurance coverage, claims, or policy terms, you should follow the dispute resolution procedures outlined in your policy documents, which may include mediation or arbitration requirements specified by your insurance carrier.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.

These terms, together with our Privacy Policy and any policy documents issued by insurance carriers, constitute the entire agreement between you and MullInsure regarding your use of our services. These terms supersede any prior agreements or understandings, whether written or oral.

We may assign or transfer our rights and obligations under these terms without your consent. You may not assign or transfer your rights or obligations without our prior written consent.

By continuing to use MullInsure services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. Thank you for choosing MullInsure for your auto insurance needs.