Using the OrbitMoto website means accepting these terms in full. Anyone who does not agree with any part of them should stop using the website. These terms apply to every visit, every quote request, and every account created on the website.
OrbitMoto is an information and comparison service for auto insurance. The website helps visitors explore coverage concepts, request quote comparisons, and understand policy language. OrbitMoto is not an insurance carrier and does not underwrite, issue, or service insurance policies. Any policy ultimately purchased is a contract between the driver and the issuing insurance provider.
The website is intended for adults residing in the United States. By creating an account or submitting a quote request, you confirm that you are legally an adult, reside in the United States, and hold or are seeking a valid driver license.
Accurate information keeps quote comparisons meaningful. When using the website, you agree to:
Certain communications, such as text messages and calls, are sent only after consent is given during signup. Consent choices are described next to each checkbox on the signup form and can be withdrawn at any time by replying STOP to a text message or by making a request through the contact details below. Standard message and data rates may apply, and message frequency may vary.
Quotes shown through the service are estimates prepared by insurance providers from the details submitted. Final pricing, eligibility, and policy terms rest solely with the issuing provider and may differ from the initial estimate. Nothing on the website constitutes a promise that any particular coverage or rate will be available.
The content on this website, including text, layout, graphics, and branding, belongs to OrbitMoto or its licensors. It may not be copied, reproduced, distributed, or used commercially without prior written permission. Viewing and printing pages for personal reference is permitted.
The website may reference or link to insurance providers and other outside services. Those parties operate under their own terms and policies. OrbitMoto does not control outside websites and accepts no responsibility for their content, accuracy, or practices.
The website and its content are provided on an as-is and as-available basis. To the fullest extent permitted by law, OrbitMoto is not liable for indirect, incidental, or consequential damages arising from use of the website, reliance on its content, or decisions made based on quote comparisons. Insurance decisions should always account for personal circumstances and the final policy documents issued by the provider.
You agree to hold OrbitMoto harmless from claims, losses, or expenses that arise out of misuse of the website, violation of these terms, or infringement of any rights of another party while using the service.
Any dispute connected to these terms or to use of the website will first be addressed through good-faith discussion. If a resolution cannot be reached, the dispute will be settled through binding individual arbitration rather than court proceedings, except where the law provides otherwise. Class actions and collective proceedings are waived to the extent the law allows.
Access to the website or an account may be suspended or ended where these terms are violated or where continued access poses a risk to the service or other users. You may stop using the website and request account closure at any time.
These terms may be updated as the service evolves or as legal requirements change. The date at the top of this page reflects the most recent revision. Continued use of the website after an update means the revised terms apply.
These terms are governed by the laws of the State of Ohio, without regard to conflict of law principles. Where arbitration does not apply, any proceedings will take place in the courts located in Ohio.
Questions about these terms can be raised through any of the following: