Terms & Conditions

  • Copyrights and Trademarks
  • California License Information
  • Disclaimer of Warranties
  • Entertainment Content
  • Insurance Companies and Agencies in our Group
  • Jurisdiction/Severability
  • Links to Third Party Sites
  • Limitation of Liability
  • Privacy
  • Product Availability
  • Sweepstakes and Contests
  •  

    Terms and Conditions for use of this Website

    Please read these terms and conditions of use carefully before using our website. Your use of our site indicates your agreement with each of them. We reserve the right to modify these terms and conditions at any time without notice. Please visit this page periodically to check for changes.

    Copyrights and Trademarks

    Except where otherwise indicated, all materials contained in this website are the proprietary and Copyrighted property of National General Holdings Corp., its subsidiaries (individually and collectively “we”, “us” or “our”) and/or third party licensors. Our logos, all other service marks and trade names, slogans, and the names of various products and services described within are service marks are owned by us, all rights reserved. All website design, text, graphics, and the selection and arrangement thereof are our exclusive property. Permission to use, electronically copy and distribute the information contained on this website is hereby granted, providing the use is for non-commercial purposes only, that the material is unaltered, and that the our copyright notice appears on all copies.

    Any third party tradenames, product names, service marks, or trademarks used in this website are the property of their respective trademark owners.

    We do not knowingly permit anyone to post materials that infringe on the intellectual property rights of third parties on our website. If you believe that your work has been copied and is available on our website in a way that constitutes copyright infringement, please notify our designated agent (named below) with the following information:

    1. identification of the copyrighted work claimed to have been infringed;
    2. identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
    3. your contact information, including your address, telephone number, and email address;
    4. a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
    5. a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
    6. a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;

    Our designated agent for notices concerning copyright infringement is:

    Director of E-Commerce/Marketing

    1281 Murfreesboro Rd.

    Nashville, TN 37217

    Email at: copyright@ngic.com

    Phone: 877-777-3245 or 615-942-2814

    Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate.

    Limitation of Liability

    To the extent permitted by law, we will not be responsible for any loss, claim, damages, or injuries that accompany or result from your use of our website whether based in contract, tort, strict liability, or otherwise. These include, but are not limited to, damages or injury  caused by any: use of (or inability to use) the website; use of (or inability to use) any site to which you hyperlink to or from this website; failure of performance; error; omission; interruption; defect; delay in operation or transmission; computer virus; or communication line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representatives have been advised of the possibility of such damages – or both.

    In certain states where the law may not allow us to limit or exclude liability for incidental or consequential damages, the above limitation may not apply. In any event, our liability for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you paid to access our website.

    Disclaimer of Warranties

    Our website and the content and materials therein are provided “as is.” We expressly disclaim any and all express or implied warranties or representations of any kind. This includes, but is not limited to, warranties that: the material is of any particular quality or is fit for a particular purpose; non-infringement; that the functional elements contained in the materials will be uninterrupted or error-free; that defects will be corrected; that our website, or the servers that make them available, or any e-mail sent from us are free of viruses or other harmful components or conditions; of that information contained in the website is accurate as of any particular date. We reserve the right to change or terminate all or part of our website at any time without notice. Some states do not allow the disclaimer of implied warranties, so the forgoing disclaimer may not apply to you.

    Links to Third Party Sites

    For your convenience, our website may contain links to other Internet sites not maintained by us. We do not endorse, promote, or otherwise recommend in any way the products, services or information that may be found through those links. Furthermore, we makes no warranties or representations, express or implied, as to the contents, privacy policies, or products or services offered by such third party sites.

    Privacy

    Please review our online [Privacy Policy (/privacy-and-security)], which also governs your visit to this website.

    Companies in Our Group

    Our Insurance Companies include:

    Century-National Insurance Company

    Direct General Insurance Company*

    Direct General Insurance Company of Mississippi

    Direct General Life Insurance Company*

    Direct Auto Insurance Company

    Direct National Insurance Company

    Imperial Fire & Casualty Insurance Company

    Integon Casualty Insurance Company

    Integon General Insurance Corporation

    Integon Indemnity Corporation

    Integon National Insurance Company*

    Integon Preferred Insurance Company*

    MIC General Insurance Company*

    National General Assurance Company*

    National General Insurance Company*

    National General Insurance Online, Inc.

    National General Premier Insurance Company

    National Health Insurance Company

    *California Licensing InformationIn accordance with California law, we are required to provide the following information on our insurance companies authorized to transact insurance in California.

    Name of Company

    State of Domicile

    California License Number

    Direct General Insurance Company

    Indiana

    5948-5

    Direct General Life Insurance Company

    South Carolina

    2939-7

    Integon National Insurance Company

    North Carolina

    6365

    Integon Preferred Insurance Company

    North Carolina

    6244

    MIC General Insurance Company

    Michigan

    6524

    National General Assurance Company

    Missouri

    5220

    National General Insurance Company

    Missouri

    5487

     

    Our Insurance Agencies include:

    ABC Agency Network, Inc. (d/b/a ABC Insurance Agencies) NPN: 3938950

    ABC Agency Network of Texas, LLC (d/b/a ABC Insurance Agencies) NPN: 8902907

    Direct General Insurance Agency, Inc. (d/b/a Direct Auto Insurance and in CA d/b/a Direct Auto Insurance Agency) NPN: 1637622. CA License #0K60659 FL MGA: A300927, TX MGA: 1919020.

    National General Insurance Marketing, Inc. NPN: 963096

    Personal Express Insurance Services, Inc. NPN: 2744722. CA License #0660913

    Right Choice Insurance Agency, Inc. (also d/b/a Direct Auto Insurance and in CA d/b/a Easy Auto Insurance Agency) NPN: 8573167, CA License #: 0J13166

    Other Companies in our Group include:

    Direct Administration, Inc.

    Direct General Consumer Products, Inc.

    National General Motor Club, Inc.

    National General Management Corp.

    Our group also includes companies that now or in the future control, are controlled by, or are under common control with a company in the National General Insurance Group.

    Product Availability

    Our products are not available outside the United States or in any jurisdiction in which we are not licensed and writing business and we are not soliciting business in any such jurisdiction. By completing an on-line request for a quote, you are confirming that you are a resident in a state where we do business.

    Our product and pay plan availability also varies by state. The insurance coverage provided by us is subject to our individual insurance underwriting and other guidelines as well as the terms and conditions of the contracts and policies issued in each state. Cost may vary depending on if you choose to purchase online or if you purchase through a live agent.

    Our product forms are available in English only. Any Non-English advertising is informational only. In the event of a discrepancy between the English version and the non-English version of a document, the English version will be the controlling document.

    Certain insurance products are produced by our insurance agencies as independent producers for third party carriers or as insurance brokers or both. Not all third party products are available through all of our distribution channels. Our agencies are compensated by the insurance companies they represent.

    Our agencies market optional products including but not limited to Roadside Assistance and Auto Protection Plans which are provided through Nation Motor Club, LLC d/b/a Nation Safe Drivers 800 Yamato Rd., Boca Raton, FL 33431. Auto Protection Plan is not available in Missouri. Nation Safe Driver is not affiliated with us.

    Account Access

    If you create an online account with us, you agree to the following:

    • We are authorized to act on the instructions we receive under your password without any requirement to question or otherwise verify those instructions.
    • We are not liable for any unauthorized access to your personal information that is not directly due to our gross negligence or intentional misconduct.
    • You acknowledge, understand, and agree with our electronic transactions agreement. You acknowledge your responsibility to keep your password and other uniquely identifiable information confidential and secret.
    • You will notify us immediately and cooperate with us if you believe anyone else has learned your password or if you think anyone has accessed your account without your authorization.
    • We may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

    Electronic Check and “PAY-by-TEXT” Processing

    Some of the companies in our group use electronic check and “Pay-by-Text” payment processing services are provided by and through FirsTech, Inc., (“FirsTech”) which is not an affiliate of ours. If you choose to use these services, information will flow to and from FirsTech servers. As a result, your use of these services will be subject to FirsTech's terms of use and use of your personal information will be subject to FirsTech’s privacy policy. You should review both carefully before using these services as our Terms of Use do not apply to FirsTech services and we are not responsible for the functionality or security of FirsTech’s services. You can find information about FirsTech, including the terms of use of its website and privacy policy, at firstechpayments.com (http://www.firstechpayments.com/)

    Mobile Messaging and Email

    If you have agreed to receive communications from us via your mobile device or email, you agree that you will be responsible for updating your contact information if it changes and for any fees your wireless service provider charges you for sending and receiving text/data messages. We also do not assume any liability for any losses or damage (a) caused by the disclosure of information to your mobile phone when the phone is another person's possession; or (b) to your data, mobile device, or other equipment unless the damage is directly and solely caused by our gross negligence or willful default. You agree to indemnify, defend and hold us harmless from and against any claims, losses or costs (including reasonable attorneys' fees) if you provided us with a phone number that is not your own or if you violate any applicable state and federal laws and regulations. Remember, you can revoke your consent to receiving email and text messages at any time by notifying us in writing.

    Jurisdiction/Severability

    Use of this website shall be governed by and construed in accordance with the laws of the State of North Carolina without giving any effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Forsyth County, North Carolina. Should any provision of our terms and conditions be held invalid, unlawful, or for any reason unenforceable, the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions and shall not affect the enforceability or validity of any remaining provisions.

    Entertainment Content

    The content provided on certain pages on our website, including on our Blog and Learning Center, is designed for entertainment purposes and/or to give general information on the topics discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. Unless expressly referenced, we are not affiliated with any company or app that may be referenced on those pages and we do not endorse them. We are not responsible or liable for the users reliance on this content or for the availability of links to other websites or resources, or for advertising, products, services or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice.

    Sweepstakes, Contests, etc.

    We may operate sweepstakes, contests, and similar promotions (individually and collectively referred to as “Promotion”) through our website that may require online registration. We typically ask you for certain personally identifiable information when you enter and, if applicable, win a Promotion. We may share this personally identifiable information with third party sponsors of the Promotions (regardless of whether it is hosted by us), or otherwise in accordance with the rules applicable to the Promotion. You should carefully review the rules for each Promotion in which you participate as they may contain additional importation information about use of your personally identifiable information by us and/or our sponsor. In the event there is a conflict between the terms and conditions of the Promotion rules concerning the treatment of your personally identifiable information and this Privacy Statement, the Promotion rules will control.