Terms and Conditions

HiRoad® Terms and Conditions

HiRoad Terms of Use for hiroad.com and the HiRoad Mobile App

These hiroad.com Terms of Use outline the terms and conditions relating to your use of hiroad.com and the HiRoad Mobile App and provide additional information about HiRoad Assurance Company. Throughout these “Terms of Use,” “site” means both hiroad.com and the HiRoad Mobile App. These Terms of Use are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.

Your Use of This Site and the HiRoad Mobile App

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, HiRoad reserves the right to disclose any information you provide through the use of this site or other HiRoad owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of HiRoad. You agree that any information you provide through this site will be truthful and accurate. HiRoad reserves the right to require a customer change their User ID or answers to security questions if they are deemed inappropriate at HiRoad's sole discretion and judgment.

Emails to HiRoad Addresses

The HiRoad email system is a private email system intended only for purposes authorized by HiRoad. You are not authorized to send numerous unsolicited commercial email messages to any email addresses @hiroad.com. HiRoad reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.

Disclaimer of Warranties

Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. HiRoad does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will HiRoad be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.

Secured Areas/Passwords

Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. HiRoad will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact HiRoad. HiRoad will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information HiRoad encourages you to change your password every six months.

HiRoad Intellectual Property Rights

The HiRoad logo, the terms "HiRoad" and "HiRoad Assurance Company" as well as all logos and graphics using the HiRoad name are the intellectual property of and/or federally registered trademarks/servicemarks owned by HiRoad Assurance Company and its affiliated organizations. HiRoad may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of HiRoad and are protected by copyright or other intellectual property laws.

HiRoad reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.

You are not authorized to use any portion of this site or any other HiRoad intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.

Links to/From Other Sites

For your convenience, HiRoad may provide links to other Internet sites that HiRoad does not maintain. You should not interpret any link to/from other sites as indicating that HiRoad sponsors or endorses the sites or their materials or that the sites are affiliated with HiRoad in any manner. HiRoad is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. HiRoad is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.

Availability of Products and Services

HiRoad does business in certain states in the United States of America. Home offices are located in Bloomington, Illinois unless otherwise indicated.

Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and HiRoad reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.

Other Agreements

These "Terms of Use" apply to your use of this site and do not change or alter any other contract or agreement between you and HiRoad.

Insurance Quotes/Coverages

At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by HiRoad, please visit hiroad.com or contact Customer Care.

All quotes generated by this site are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must proceed to purchase after receiving the quote from HiRoad. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please visit hiroad.com or contact Customer Care.

Online Claims Submissions

If you are a HiRoad customer, you may elect to report an insurance claim in the HiRoad Mobile App or online where available. Your submission does not commit HiRoad to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. HiRoad reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please visit hiroad.com or contact Customer Care.

Changes to This Document

The content of this site and of these "Terms of Use" are subject to change without prior notice.

Applicable Law/Severability

These "Terms of Use" shall be governed by and interpreted according to the laws of the State of Illinois without respect to any conflict of laws provisions. If any portion of these "Terms of Use" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

About HiRoad Assurance Company

HiRoad Assurance Company is organized under the laws of the State of Illinois and licensed by each state where products are available. The company is principally engaged in writing personal lines insurance. NAIC number: 16138

Language Notice

HiRoad insurance policies, agreements, applications, forms and required notices are written in English. This document has been translated for your convenience. In the event of any difference in interpretation, the English language version controls.

Contact Information

For more information, please visit hiroad.com or contact Customer Care.