The rules that govern account use, quote requests, and communications across CapPolicy.
These Terms of Services govern use of the CapPolicy website, any account opened through the signup form, and any communication tied to an auto insurance request. Continued use of the service confirms agreement with everything outlined below.
By visiting cappolicy.com, opening an account, or submitting any quote request, a driver agrees to follow these Terms of Services along with the Privacy Policy referenced within. Anyone who does not agree should refrain from using the site.
Updates to these terms become effective once posted on this page. Continued use after a change signals acceptance of the revised terms.
The CapPolicy service is offered to adults aged 18 and older who legally reside in the United States and meet basic eligibility requirements for personal auto insurance. Each driver represents and warrants that the information provided is accurate, complete, and current.
Accounts found to misrepresent identity, residency, or vehicle details may be suspended or closed without further notice.
CapPolicy connects drivers with carrier quotes for personal auto insurance and provides ongoing policy support across renewal cycles, claim events, and coverage adjustments. The platform does not issue or underwrite insurance directly. Final coverage is bound through the carriers selected during the quote review process.
Service availability may vary by state based on carrier appetite and local regulatory requirements.
Each driver is responsible for keeping login credentials secure and notifying CapPolicy of any suspected unauthorized access. Activity performed under a verified account is treated as authorized by the account holder.
Quotes displayed through CapPolicy are estimates based on the details shared by the driver and current carrier rates. Final premiums, coverage terms, and binding decisions rest with the issuing carrier and may differ once underwriting is complete.
CapPolicy does not guarantee specific outcomes such as claim approval, claim payout amounts, or coverage availability under every scenario.
Use of the site must remain lawful and respectful. Activities that interfere with normal operation, attempt to gain unauthorized access, or misuse other drivers' details are prohibited.
All site content including text, graphics, layout, code, and branding belongs to CapPolicy or its licensors. Copying, redistribution, or derivative use of this content without written permission is not allowed.
Personal use such as printing a single page for individual reference is acceptable as long as branding and copyright notices remain intact.
By providing a phone number and selecting the relevant consent boxes during signup, a driver agrees to receive service related messages and, where opted in, marketing messages from CapPolicy. Standard message and data rates from the wireless carrier may apply.
Reply STOP at any time to opt out of further texts, and reply HELP for short assistance instructions. Withdrawing consent does not affect previously authorized service activity.
The site and its services are provided on an as is and as available basis. CapPolicy makes reasonable efforts to keep information accurate and current but does not warrant that the site will remain uninterrupted, error free, or free of all defects.
Any reliance on the information shown is at the driver's own risk. Final coverage decisions rest with the carriers selected during the quote review.
To the fullest extent allowed by law, CapPolicy and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages tied to the use or inability to use the service, including any loss of data, profits, or business opportunities.
Direct claims, when allowed, remain limited to amounts paid by the driver to CapPolicy during the twelve months preceding the event giving rise to the claim.
Each driver agrees to defend, indemnify, and hold CapPolicy and its affiliates harmless from any claim arising out of misuse of the site, breach of these terms, or violation of any law or third party right tied to that misuse.
Any dispute arising from these Terms of Services or the use of CapPolicy shall be resolved through binding arbitration on an individual basis. Class actions, class arbitrations, and representative actions are not allowed.
Either party may seek small claims relief or injunctive remedies in court where allowed by law. Arbitration runs under the rules of a recognized arbitration body, with proceedings held in or near Columbus, Ohio unless both parties agree to another location.
These Terms of Services and any related disputes are governed by the laws of the State of Ohio, without regard to conflict of law principles. Venue for any allowed court proceeding rests in the courts located in Franklin County, Ohio.
CapPolicy may suspend or close an account that violates these terms, misrepresents driver information, or otherwise interferes with normal service. Each driver may also close an account at any time through the contact channels on the homepage.
Sections related to disclaimers, liability, indemnification, and dispute resolution survive any account closure.
These Terms of Services may be updated to reflect changes in service offerings, carrier relationships, regulatory requirements, or business operations. The updated date appears at the top of this page once changes go into effect.
Reviewing this page periodically is encouraged so each driver remains aware of the current terms.
Questions, concerns, or requests related to these Terms of Services can be submitted through the contact channels listed on the CapPolicy homepage. Each message receives a written response within a reasonable timeframe.
Reach out through the Contact page using the channels listed on the homepage, and a clear written response will follow.
