Terms and Conditions

Your access and use of this site ("Site") signifies that you agree to be bound by the following Site terms and conditions ("Agreement"). Please discontinue use of this Site immediately if you do not agree with these terms and conditions and cease use of all information and materials you obtained through the Site. Please read the following Agreement carefully. As used in this Agreement, "you" and "your" refer to the named insureds as listed on the declaration page and individuals using the Site. "National General Insurance", "us" or "we" refers to The National General Insurance* and Affiliates of the National General Insurance**

Site Terms and Conditions

1. Registration/ Application Process and Representations You represent and warrant that:
- You are the individual applying for and seeking insurance coverage under this Site or otherwise accessing this Site, and that you are not using this Site for unauthorized or unlawful use;
- You have disclosed all family members who live with you, and all regular or frequent operators of the vehicle(s) you provided to us as part of the application process and that no vehicle is regularly available for use by an operator not included in the application.
- You have declared any business or commercial use of your vehicle(s) during the application process.
You also agree to notify us immediately at any time that information ceases to be true, complete and accurate and understand that coverage may be terminated or declared void from inception or claims may be denied due to any misrepresentations, omissions, or inaccuracies stated by you.

2. Your Account and Account Access
You may access your account online at www.nationalgeneral.com by entering your username and password in the appropriate fields.
You agree to authorize National General Insurance to act on instructions received under your account and password.
Unauthorized access to the site is prohibited. You are responsible for keeping your account and any passwords and log-in information confidential. You agree to notify National General Insurance immediately if you believe that the confidentiality of your password has been breached or if you believe that there has been, or will be, unauthorized access to your account. National General Insurance may disable access to your account if it believes that your account has been compromised, or for other reasons. You agree that you will not access this site by any robot, spider, automatic device or manual process to monitor or copy site or its contents without prior express written consent.

3. Copyrights and Trademarks
Except as otherwise indicated, the site and all material in the site, including but not limited to the National General Insurance logo and other trademarks and service marks are the property of National General Insurance.
Permission is hereby granted to use, and copy these materials without alteration for non-commercial purposes only, provided that all copyright, trademark, service marks, and other proprietary notices appear in all copies. All other uses are prohibited.

4. Disclaimer of Warranties
This site and all of its content are provided "as is" and without warranties or representations of any kind, either express or implied. This means that National General Insurance disclaims all express and implied warranties, including but not limited to: (i) that the site and/or content will be available to you, (ii) that you will qualify for offered products or services, (iii) the site, content or any emails sent by National General Insurance are free of viruses or other harmful software, (iv) failure of performance, (v) omission, or (vi) interruption. Certain states do not allow the disclaimer of implied warranties. If you are in such a state, the above disclaimer or a portion of it, may not apply to you.

5. Limitation of Liability
National General Insurance shall not be liable for any injury, loss, claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in contract, tort, negligence, strict liability, or otherwise, which arises out of or relates to in any way to: (i) the use of, or inability to use this site or content of this site, (ii) error, (iii) omission, (iv) defect, or (v) computer virus. Certain states do not allow the exclusion or limitation of certain damages. If you are in such a state then the above limitation or portion may not apply to you.

6. Applicable Law
This Agreement, as well as the use of this Site, is governed in all respects by the laws of the State of North Carolina without giving effect to any principles of conflict of laws. Any dispute concerning this Agreement, or this Site, shall be subject to the exclusive venue of a court of competent jurisdiction in the state of North Carolina.

7. Severability
In the event that any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable from and shall not affect the validity and enforceability of the remaining conditions.

8. Timely Payment
You agree that if we do not receive proper and timely payment or if your financial institution does not honor/authorize the payment you may not receive insurance coverage. Any dishonored payments may incur an insufficient funds fee. If we do not receive your payment of the invoiced amount by the payment due date, we may charge you a late fee. Any late payments may result in the cancellation of your insurance policy. Cancellation of a policy before the term expiration date may incur a cancellation fee.
If you choose to make payments by electronic funds transfer, you agree to provide accurate information allowing for the processing of such payments and agree to electronic authorization of such payments.

Go Paperless Electronic Delivery and Electronic Signature Terms and Conditions

The following terms and conditions are applicable only with respect to Electronic Delivery and/or Electronic Signature, as applicable.

1. Go Paperless/Electronic Delivery
If you are electing or have elected to receive documents from us in electronic form (rather than in paper form), this section is applicable to you.
Your agreement to receive documents electronically includes your consent to receive, in electronic form rather than on paper, all relevant statements, notices, policy documents, declaration pages, endorsements, renewal notices, and other documents ("Policy Documents") that we are required to send to you. Whenever we are required or desire to deliver to you any Policy Document, we will send an electronic notification to the e-mail address provided by you during the account registration process (as it may be updated by you from time to time). Such electronic notification will inform you that your applicable Policy Document can be accessed on our Site through your online account. You may also, upon request, obtain a paper copy of any specific Policy Document by contacting us at 1-888-293-5108.

1. Your consent to electronic delivery of your Policy Documents may be revoked at any time by notifying us in writing at 1-888-293-5108 or by e-mail at Service@NGIC.com. After a reasonable time to allow us to process your request, all copies of future Policy Documents will be delivered to you in paper form.

2. In the event that you withdraw your consent, you agree to notify us of the address or other location to which paper records may be provided.

3. To view or download your Policy Documents, the Site requires access to the Internet and is designed for use with Internet Explorer version 6.0 or later and Mozilla Firefox version or later. Your browser must be set to allow pop-up windows to be displayed. It may also be necessary to enable "Cookies" on your browser. To print copies of your Policy Documents you may need a program to read documents in "PDF" format. This program is available without cost from www.adobe.com.

4. Should any technological change or upgrade be made that will affect your ability to access your Policy Documents, we will notify you and remind you of your right to withdraw your consent to receive electronic records and to receive paper records instead.

You acknowledge that it is your obligation to immediately notify us at 1-888-293-5108 if there is a change in your electronic mail address, or other location to which your Policy Documents may be provided.

If at any point you have questions regarding Electronic Delivery please contact 1-877-468-3466.

2. Electronic Signature and Use of Electronic Documents
If you elect to complete and/or electronically sign your application or any other related document on this Site ("electronic document"), this section is applicable to you.

By completing a document on this Site, you agree that, for purposes of complying with any applicable law that requires a "writing," such electronic document shall be considered to be "in writing" or "written" to an extent no less than if it were in paper form.

By electronically signing a document on this Site (which may include clicking on an "I Accept" button or other steps designated on this Site as constituting your electronic signature), you agree that application of your electronic signature in the manner specified on the Site indicates your intent to sign the applicable document, and that such electronic document shall be considered to be "signed" to an extent no less than if it were signed using pen and paper, and such electronic signature shall satisfy all requirements for a signature.

You represent and warrant that you have the authority to provide an electronic signature and acceptance on behalf of yourself, and to have the electronically signed documents be binding upon you.

If introduced as evidence in any judicial, arbitration, mediation, or administrative proceedings, such electronic documents shall be admissible as between you and us to the same extent and under the same conditions as records originated and maintained in paper form, and you agree that you shall not contest the admissibility or enforceability of National General Insurance copies of such electronic documents in a court or any proceeding under any evidentiary rule on the basis that the electronic document was not originated or maintained in paper form.

If at any point you have questions regarding Electronic Signature please contact 1-877-468-3466.

*Reference to the National General Insurance in this notice includes the following companies: National General Insurance Company Online, Inc., National General Insurance Marketing, Inc., GM Motor Club, Inc., Integon Casualty Insurance Company, Integon General Insurance Corporation, Integon Indemnity Corporation, Integon National Insurance Company, Integon Preferred Insurance Company, MIC General Insurance Corporation, National General Assurance Company, National General Insurance Company and, New South Insurance Company and Home State County Mutual Insurance Company - Administered by Integon National Insurance Company or National General Insurance Company.

**Affiliates of the National General Insurance include: companies in the National General Insurance referenced in this notice, Agent Alliance Insurance Company, and companies that now or in the future control, are controlled by, or are under common control with a company in the National General Insurance.

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