Terms and Conditions

The rules that apply when you browse this site, open an account or send a request through it.

Last updated August 2026

Agreement to These Terms

These Terms and Conditions govern access to and use of the VergeCars website, accounts and related messages. Browsing the site, creating an account or sending a form means the visitor accepts these terms. Anyone who does not accept them should stop using the site.

What the Site Offers

VergeCars provides general information and guidance on auto insurance, such as explanations of cover types, policy language and quote options. VergeCars is not an insurance carrier and does not issue policies, set premiums or decide claims.

  • Site content is educational and is not legal, tax or financial advice.
  • Any quote comes from an insurance provider and depends on that provider's review.
  • Cover, pricing and approval are never promised by VergeCars.

Who May Use the Site

The site is meant for adults living in the United States who can enter a binding agreement. Account holders agree to:

  • Give information that is accurate, current and complete.
  • Keep login details private and never share account access.
  • Report any suspected misuse of the account without delay.

Details You Submit

Information entered in forms, including contact details and vehicle or driver details, is used to answer requests and prepare cover information. How that information is handled is set out in the Privacy Notice, which is part of these terms.

Text Messages and Other Contact

A user who gives consent on the signup form may receive service and marketing messages by SMS and other channels. Consent is never a condition of any purchase.

  • Reply STOP at any time to stop text messages.
  • Reply HELP for assistance.
  • Message frequency varies, and standard message and data rates may apply.

Fair Use of the Site

Visitors agree not to misuse the site. Examples of misuse include:

  • Entering false details or another person's details without permission.
  • Trying to reach accounts, systems or data without authorization.
  • Copying, scraping or reselling site content for commercial gain.
  • Uploading harmful code or disrupting how the site runs.

Ownership of Content

The VergeCars name, logo, text, images and page design are protected by intellectual property law. Pages may be viewed and printed for personal, noncommercial use only.

Outside Links

The site may link to insurance providers or other outside services. VergeCars does not control those sites and is not responsible for their content, policies or practices. Visiting them is at the visitor's own choice.

Disclaimer

The site and its content are offered on an as is and as available basis. VergeCars gives no warranty that the content is complete, current or suited to any particular situation, and does not promise uninterrupted or error free access.

Limits on Liability

To the fullest extent the law allows, VergeCars is not liable for indirect, incidental or consequential losses that arise from using the site, relying on its content or making decisions about any insurance policy.

Arbitration

Any dispute about these terms or the site will be settled through binding individual arbitration instead of in court, except where the law does not allow it. Claims may not be brought as part of a class or group action.

Updates to These Terms

These terms may change from time to time. The date at the top of this page shows the latest version, and continued use of the site after a change means the updated terms are accepted.

How to Reach VergeCars

Questions about these Terms and Conditions can be sent using the details below.