Terms of Service

1 Our services

Bristol-Wests is an independent insurance agency that helps individuals compare and purchase auto, home, and related insurance products from licensed carrier partners. We do not underwrite policies ourselves; coverage is bound and issued by the applicable insurance carrier, subject to that carrier's own terms, conditions, and eligibility requirements.

2 Quotes are estimates

Any quote, rate, or coverage estimate provided through our website, by phone, or by email is preliminary and subject to change based on underwriting review, verification of the information you provide, and the final terms issued by the carrier. A quote is not a binding offer of coverage.

3 Accuracy of information

You agree to provide accurate, current, and complete information when requesting a quote or submitting a claim inquiry. Inaccurate or incomplete information may affect your quote, coverage, or claim, and may result in denial of coverage or cancellation of a policy by the carrier.

4 Acceptable use

You agree not to:

• Use the website for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to our systems or data.
• Submit false, misleading, or fraudulent information.
• Interfere with the proper functioning of the website, including through malware or excessive automated requests.

5 Intellectual property

All content on this website, including text, graphics, logos, and the Bristol-Wests name and marks, is owned by or licensed to Bristol-Wests and is protected by applicable intellectual property laws. You may not reproduce or distribute our content without prior written permission.

6 Third-party links & carriers

Our site may reference or link to third-party insurance carriers or service providers. We are not responsible for the content, policies, or practices of any third party, and your relationship with a carrier once a policy is bound is governed by that carrier's own policy documents and terms.

7 Limitation of liability

To the fullest extent permitted by law, Bristol-Wests shall not be liable for any indirect, incidental, or consequential damages arising out of your use of this website or our services. Nothing in these Terms limits any rights you may have under your insurance policy or applicable state insurance law.

8 Changes to these terms

We may revise these Terms from time to time. Continued use of our website after changes are posted constitutes acceptance of the updated Terms.

9 Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles, unless otherwise required by the state in which your policy is issued.

10 Contact us

Questions about these Terms can be sent to our legal & compliance team: