1. Acceptance of Terms
By accessing and using MySport Insurance services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Service Description
MySport Insurance provides sports equipment and liability insurance coverage for various athletic activities. Our services include:
- Personal property coverage for sports equipment
- Personal liability coverage for sports-related injuries
- Personal accident coverage
- Claims processing and support
- 24/7 customer service
3. Eligibility Requirements
To be eligible for our insurance services, you must:
- Be at least 18 years of age
- Provide accurate and complete information
- Have a valid home insurance policy (for coordination purposes)
- Reside in a jurisdiction where we provide coverage
- Not have been convicted of insurance fraud
4. Coverage Limitations
Our insurance coverage is subject to the following limitations:
- Coverage is limited to the sports and activities specified in your policy
- Equipment coverage is subject to depreciation and actual cash value
- Claims are subject to deductibles as specified in your policy
- Coverage may be voided for intentional acts or fraud
- Professional or commercial use may require additional coverage
5. Premium Payments
Insurance premiums are due monthly and must be paid on time to maintain coverage. Late payments may result in:
- Policy cancellation
- Late fees and penalties
- Loss of coverage for new claims
- Reporting to credit agencies
6. Claims Process
To file a claim, you must:
- Report the incident within 30 days
- Provide all requested documentation and evidence
- Cooperate with our investigation process
- Not admit fault or make payments without our approval
- Maintain records of all related expenses
7. Policy Cancellation
You may cancel your policy at any time by providing written notice. We may cancel your policy for:
- Non-payment of premiums
- Material misrepresentation
- Fraudulent claims
- Violation of policy terms
- Changes in risk assessment
8. Dispute Resolution
Any disputes arising from these terms or our services will be resolved through:
- Direct negotiation with our customer service team
- Mediation if direct resolution is not possible
- Arbitration as a final resolution method
- Legal action only as a last resort
9. Limitation of Liability
MySport Insurance's liability is limited to the coverage amounts specified in your policy. We are not liable for:
- Indirect or consequential damages
- Emotional distress or punitive damages
- Losses exceeding policy limits
- Claims arising from intentional acts
10. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
11. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Continued use of our services constitutes acceptance of modified terms.
12. Governing Law
These terms are governed by the laws of the jurisdiction in which MySport Insurance operates. Any legal proceedings must be brought in the appropriate courts of that jurisdiction.
13. Contact Information
For questions about these terms or our services, contact us at:
Email: legal@mysportinsurance.com
Phone: 1-800-MYSPORT
Address: MySport Insurance, Legal Department, [Address]
Last Updated: December 2024
