These terms govern your use of this website and the insurance brokerage services provided by Policy Holder Cover.
These terms govern your use of this website and the insurance brokerage services provided by Policy Holder Cover.
Last updated: 1 September 2026
By accessing or using the Policy Holder Cover website, or by engaging us to provide insurance advice or brokerage services, you agree to be bound by these Terms and Conditions and by our Privacy Policy. If you do not agree, please do not use the site or our services.
We may update these Terms from time to time. The revised version applies from the effective date shown at the top of this page, and continued use of the site after that date constitutes acceptance of the revised Terms.
Policy Holder Cover is an independent insurance brokerage, not an insurance company. We do not underwrite risk, we do not assume any obligation to pay claims, and we are not a party to the insurance contract itself. Our role is to advise you, to compare available coverage, to place the policy you choose and to assist you for the life of that policy.
All coverage is provided by the insurance carrier named in your policy, subject to the terms, conditions, limits and exclusions set out in that policy document. In the event of any inconsistency between anything said on this website and your issued policy, the policy document governs.
Submitting a form on this website is a request for information or a quotation. It does not create coverage, does not bind any insurer and does not establish a broker-client relationship until we confirm placement in writing. No coverage exists until an insurer has accepted the risk and issued a binder or policy, and any required premium has been paid.
If you need coverage to begin on a specific date, tell us that date explicitly and confirm in writing that a binder has been issued. Do not assume coverage has begun because a form was submitted.
Insurance is underwritten on the accuracy of the information supplied. You are responsible for ensuring that the details you give us — about property, vehicles, occupants, drivers, health, pets, business operations, prior losses and prior coverage — are complete and accurate.
Material misrepresentation, concealment or omission can result in a claim being denied, a policy being rescinded, or premiums being adjusted retrospectively. Please tell us promptly if any information on an application changes, including changes in occupancy, use, mileage, health status or business activity.
Quotations presented to you are indications based on the information available at the time they are prepared. They are not offers capable of acceptance until confirmed by the insurer, and they may change if underwriting information changes, if inspection results differ, or if the carrier withdraws or reprices a programme.
Premiums are set by the insurer. Where we present a comparison, we present the options available to us from our carrier panel; we cannot guarantee that every product in the wider market has been included.
Our advice, quotations, coverage reviews and renewal audits are provided at no charge. Broker compensation is normally paid by the insurer as commission already included within your premium. Where a service carries a direct fee, we will disclose it in writing before you incur it and will not proceed without your agreement.
You are responsible for paying premiums when due. Late or failed payment can result in cancellation, a lapse in coverage or a reinstatement fee imposed by the insurer. If you use a premium finance arrangement, the finance company's terms apply in addition to these Terms.
We will assist you in reporting and pursuing claims, and we will advocate on your behalf with the carrier where a claim is delayed or disputed. However, the decision to accept, deny or settle a claim rests solely with the insurer under the terms of your policy, and we cannot guarantee any particular claim outcome or payment amount.
Your policy imposes duties on you, including prompt notice of loss, protection of property from further damage, cooperation with the investigation and provision of documentation. Failure to meet those duties can prejudice a claim, so please contact us as soon as a loss occurs.
We may suspend or restrict access to users who breach these Terms, without notice where necessary to protect the site, our clients or our staff.
The Policy Holder Cover name, logo, design and all text, graphics and other content on this website are owned by us or used under licence, and are protected by copyright and trademark law. You may view and print pages for your own personal, non-commercial use. You may not reproduce, modify, distribute or commercially exploit our content without our prior written consent.
This website may contain links to carrier websites, maps, calculators and other third-party resources. We do not control those resources and are not responsible for their content, accuracy or availability. Following a link to a third-party site is at your own risk and is governed by that site's own terms.
This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.
General information on this website is provided for educational purposes and does not constitute a determination of coverage for any specific policy, loss or circumstance. Coverage questions must always be answered against the wording of your issued policy.
To the maximum extent permitted by law, Policy Holder Cover and its advisors will not be liable for indirect, incidental, consequential, special or punitive damages, or for loss of profits, revenue, goodwill or anticipated savings, arising out of or in connection with your use of this website or our services.
Nothing in these Terms limits or excludes liability for fraud, for gross negligence or wilful misconduct, or for any liability that cannot lawfully be limited or excluded under applicable law.
You agree to indemnify and hold harmless Policy Holder Cover, its advisors and staff from claims, losses, damages and expenses, including reasonable legal fees, arising from your breach of these Terms, your misuse of the website, or your provision of inaccurate or misleading information.
Our handling of personal information is described in our Privacy Policy, which forms part of these Terms. By using the website you consent to the practices described there.
You agree that we may communicate with you by email, telephone or post in connection with your enquiries and policies, and that marketing communications will only be sent where you have subscribed and can be stopped at any time through our unsubscribe page.
These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the website will be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California, unless applicable law requires otherwise.
Nothing in this section removes any mandatory consumer protection available to you in your state of residence, and it does not affect your right to complain to your state department of insurance or other regulator.
If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and the unenforceable provision will be modified only as much as necessary to make it enforceable. Our failure to enforce any provision is not a waiver of it. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding use of this website.
Questions about these Terms and Conditions can be directed to Policy Holder Cover, 770 W Solana Cir, Solana Beach, CA 92075, USA, by email at info@policyholdercover.com, or by phone on +1 858-755-1141.
Email info@policyholdercover.com or call +1 858-755-1141 and an advisor will walk you through any part of it.