These conditions apply when you access or use Simple Shield services. Review them before purchasing or activating coverage.
These website rules form an agreement between each service user and Simple Shield, Inc., a Texas insurance provider. References to the customer mean the person using the service; references to Simple Shield mean the company operating it. Accessing the website or application, or purchasing a Simple Shield product, confirms that you have reviewed and accepted every part of these conditions.
An applicant for an eligible Simple Shield service must satisfy each requirement below:
Keeping account and application details accurate is your responsibility. A material omission, false statement, or misleading answer can lead to a denied claim or cancelled policy and may qualify as insurance fraud under governing law.
Current request categories include personal automobile and homeowners protection. Planned life and health offerings may initially be announced to people registered on an interest list.
A final rate is based on underwriting. Relevant factors can include the product requested, address, prior losses, characteristics of a vehicle or property, selected limits, deductible choices, discounts, and rules in the applicable state.
Submitting an application does not create coverage. A binding contract begins only after the application is accepted, underwriting is completed, and formal policy documents are issued. An application may be declined when permitted, subject to state rules that prohibit unlawful discrimination.
The effective date is the date confirmed in writing after policy issuance and successful payment. Official documents and any available digital insurance card are sent to the email on the account. Do not assume protection exists before written activation is received.
For a monthly selection, the saved payment method is charged automatically on the recurring payment date. Your authorization permits Simple Shield to collect the premium and any disclosed taxes or fees on that date.
A yearly option is charged in full at purchase and again at each annual renewal. It may reflect savings of as much as 17% compared with twelve monthly payments. Once the initial satisfaction window ends, an annual premium will not be returned unless applicable law requires it.
When a charge is unsuccessful, another attempt is normally made within three business days. A seven-day grace window starts on the original due date. An unpaid balance after that window can cause suspension, and protection may be restricted during suspension. A policy can be cancelled if the unpaid amount continues beyond a thirty-day period.
Where approved by the relevant insurance regulator, the premium may change at renewal. Notice of an increase will be provided no fewer than thirty days ahead of renewal. Continuing the service after that notice indicates acceptance of the revised amount.
You can request cancellation through the online account or customer support without a separate cancellation charge. Unless another rule applies, the cancellation takes effect after the current payment period. A partial monthly refund is not offered unless state law mandates one.
Subject to required state notices, Simple Shield can cancel or choose not to renew for reasons that include:
Written notice will follow the timing required by the customer's state, which is often delivered ten to thirty days ahead of cancellation.
A new customer may cancel during the first 30 days and receive paid premium back when no claim has been reported or remains pending. Each customer may use this guarantee only once.
Notify the appropriate channel promptly when an event could lead to a claim, either through the online account or the 24-hour claims number. An unnecessary reporting delay can affect whether benefits are available.
A claim submission must accurately describe the incident and include available damage photos, relevant police records, and contact details for involved people. Knowingly supplying false claim information is fraud and can result in denial and cancellation.
Each loss is investigated under the language of the issued policy. A customer may request an internal review of a denial and retains any outside complaint or dispute rights available through state insurance law.
By applying or continuing coverage, you confirm that:
Unless the issued policy expressly states otherwise, protection does not apply to:
To the fullest degree allowed by law, responsibility for a covered insurance loss cannot exceed the applicable amount stated in the policy. For use of the Services, Simple Shield disclaims indirect, special, incidental, consequential, and punitive damages unless a state rule prevents that limitation.
Before beginning a formal proceeding, email legal@simpleshieldinsurance.com and allow an opportunity to resolve the issue in good faith. Our goal is to respond within ten working days.
Nothing here removes your ability to contact the Department of Insurance in your state. Simple Shield will cooperate with a lawful regulatory inquiry.
A dispute that remains unresolved and is outside an insurance regulator's jurisdiction will be decided by binding arbitration under the American Arbitration Association Consumer Rules. Proceedings may occur remotely or in Dallas County, Texas. To the extent the law permits, claims must be brought individually rather than through a class action.
Texas law governs these conditions without applying its conflict-of-law principles. The insurance contract itself remains controlled by mandatory insurance rules in the policyholder's state.
Simple Shield can revise these conditions. A significant update will be announced electronically no fewer than thirty days ahead of its effective date. Using the Services after that date signifies agreement with the updated version.
These conditions, the issued policy, the Privacy Policy, and incorporated documents form the full agreement concerning the Services. They replace earlier discussions, statements, representations, or agreements about the same subject.
Questions about these conditions may be directed to:
Important: This demonstration website presents sample terms for informational use. Before a public launch, qualified insurance counsel should prepare and approve the final conditions and policy documents for compliance with every relevant state and federal requirement.