Terms and Conditions

Terms and Conditions 

Welcome to Direct Insurance Group. These Terms and Conditions govern your access to and use of our website, products, and services. By using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services. 

1. Definitions 

• “Company,” “we,” “our,” “us” refers to Direct Insurance Group. 

• “You,” “your” refers to any customer, policyholder, or user of our services. 

• “Services” refers to insurance brokerage services provided by Direct Insurance Group, including policy recommendations, quotes, and assistance with claims. 

2. Scope of Services 

Direct Insurance Group acts as an independent insurance broker, assisting clients in obtaining coverage from third-party insurers. We do not underwrite policies or assume financial responsibility for claims. 

3. Eligibility 

By using our services, you confirm that you: 

a) Are at least 18 years old; 

b) Have the legal capacity to enter into a binding agreement; and 

c) Provide accurate and complete information when applying for insurance. 

4. Quotes and Policy Issuance 

• Insurance quotes provided are estimates and are subject to approval by the insurer. 

• Final rates and coverage details are determined by the insurance provider. 

• We do not guarantee policy issuance or acceptance by any insurer. 

5. Payment and Fees 

• Payment terms for insurance policies are determined by the issuing insurer. 

• Direct Insurance Group may receive commissions or fees from insurers for policies sold. 

• Failure to pay premiums may result in policy cancellation. 

6. Policy Cancellations and Refunds 

• Cancellation policies are governed by the terms of your specific insurer. 

• Refund eligibility is subject to the insurer’s policy terms. 

• Direct Insurance Group is not responsible for refund processing or decisions. 

7. Limitation of Liability 

• Direct Insurance Group is not responsible for denied claims, policy cancellations, or insurer insolvency. 

• We do not guarantee specific coverage or financial reimbursement. 

• We are not liable for any losses or damages arising from reliance on our services. 

8. Privacy and Data Protection 

• We collect and process personal data in accordance with our Privacy Policy. 

• Your information may be shared with third-party insurers for the purpose of obtaining coverage. 

• We implement security measures to protect your data, but we cannot guarantee absolute security. 

9. Third-Party Links and Services 

Our website or communications may contain links to third-party websites. We do not endorse, control, or assume responsibility for any third-party content, policies, or practices. 

10. Changes to These Terms 

We may update these Terms and Conditions at any time. Changes will be effective upon posting. Your continued use of our services constitutes acceptance of any revisions. 

11. Governing Law and Dispute Resolution 

• These Terms are governed by the laws of Arizona/USA. 

• Any disputes shall be resolved through arbitration or mediation before litigation, where applicable. 

12. Contact Information 

If you have any questions about these Terms and Conditions, please contact us at: 

Direct Insurance Group 

1166 E Warner Rd Ste 101N 

(480) 378-3566 

bthomas@directinsurancegrp.com 

By using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.