Terms of Service

Welcome to the party! We’re so glad you’ve decided to help us reinvent the insurance experience.

Before we get started through, we need to tell you about certain rules of the road related to your use of this website. We get it that legal jargon can be boring to read – so we’ve sought to make these terms of service easy to understand by writing them in plain English. It’s important that you know that these terms form a legally binding contract between you and us. So please read them carefully.

If you have any questions, suggestions, or just want to drop us a note, please feel free to email us at help@withtraverse.com.

NOTE THAT THIS AGREEMENT INCLUDES A MANDATORY ARBITRATION PROVISION.

  1. Accepting the Terms of Services

    Throughout these terms of service, when we say “we”, “us” or “our”, we mean The Travelers Indemnity Company and/or its subsidiaries, affiliates, and parent companies. When we say “Website,” we mean the Traverse website, and all services and materials made available through the website. By accessing or using the Website you agree to be bound by these terms of service. IF YOU DON’T AGREE TO THESE TERMS OF SERVICE, THEN YOU CAN’T USE THE WEBSITE. By using the Website, you confirm that you are at least 18 years of age and are legally able to form a binding contract with us.

  2. Changes to the Terms of Service

    We may change these terms of service at any time. Changes are effective when the revised terms of service are posted to the Website. If you use the Website after we have posted any changes that means that you accept those changes. Changes to the terms of service don’t apply to your prior use of the Website, but will apply to any use of the Website that occurs after the revised terms of service have been posted.

  3. Using the Website

    In building this Website, we’re tried to make it easy for you to purchase and use our products and services. You’re not allowed to use this Website in ways that we don’t intend it to be used, including in ways that may harm our business or the experience of other users. Here are some of our basic rules:

    • Don’t pretend to be someone else. We expect you to be who you say you are. So you’re not allowed to use the Website pretending to be your brother, mother, friend or anyone else. If your roommate needs insurance (which he probably does), just tell him how easy it is to use our Website and he can do it himself. But don’t pretend to be him.
    • Provide accurate information. We rely on the information you provide, so please take a few seconds to make sure it’s correct. By submitting information, you’re agreeing that it is accurate and truthful. It also helps a lot if you update any information when it changes. So if you get a new cell phone number, make sure to tell us in case we need to contact you.
    • Be nice. You’re not allowed to do anything in connection with the Website that could be considered defamatory, indecent, harassing, obscene, violent, intimidating, bullying, stalking, or objectionable. You also can’t use the Website to troll people. This is a troll-free zone.

    In addition to the basic rules, we have to tell you about some of the things we don’t allow.

    • No bots! Some people try to use bots, spiders, and other automated tools to interact with websites. We don’t allow that. You need to be a human to use the Website and you need to use the Website in the way that a normal human would use it interacting through a web browser.
    • No messing with the Website! You can’t use the Website in a way that interferes with or disrupts the operation of the Website. This includes things like sending an unreasonable number of requests to our servers.
    • No spamming! You can’t use the Website to spam people or send unsolicited commercial messages.
    • No viruses! Nobody likes viruses or other software that can mess with our software and systems. So you’re not allowed to send us that stuff.
    • No scraping! You’re not allowed to scrape, index, data mine, systematically download, or otherwise gather content from the Website.
    • No stealing! You’re not allowed to use the Website in an unauthorized manner, or reverse engineer, decompile, or disassemble any portion of the Website.
    • No breaking the law! This one is kind of a no-brainer. You can’t use the Website in a way that breaks the law.
    • Non-commercial use only! The Website is for your personal, non-commercial use only. You’re also not allowed to frame or mirror the Website.
  4. Privacy and Passwords

    We respect and care about your privacy. Any information that we collect from you through this Website is subject to our Privacy Policy.

    If you set up an account on the Website, you may be required to use a user name and password. Your user name and password can only be used by you and you shouldn’t share your user name and password with anyone. If you think someone else is using or has access to your user name or password, please contact us immediately at help@withtraverse.com so we can sort it out. We may monitor your account and account-related activity. If we believe there is suspicious activity on your account, we may disable your account without prior notice to you. But we don’t have to monitor your account for suspicious activity. We’re entitled to rely on any instructions or activity conducted through your account as originating from you.

  5. Other Websites

    We may provide links to third party sites or allow you to access or use third party services through this Website. Third party sites and services are controlled by the applicable third party service provider and may be subject to separate terms and conditions. It’s your responsibility to comply with any third party terms. These terms of service only apply to this Website and not any other website or service and we are not responsible for any third-party sites or services.

    You should also be aware that like lots of companies, we operate other websites. Those other site may even look and feel similar to this Website. But those websites have their own terms of service that will apply to your use of those other websites.

  6. Stripe – Payment Processor

    We use the 3rd party payment platform Stripe (www.stripe.com), the Stripe API, Stripe Connect, and other Stripe services (collectively, the “Stripe Services”) in connection with the Website, including to process your payments and to facilitate payment of claims.

    By using the Website and the Stripe Services, you agree to the Stripe Connected Account Agreement (https://stripe.com/us/connect-account/legal) and agree that Stripe can collect, use, retain, and disclose information that we or you provide to Stripe in accordance with Stripe’s privacy policy (https://stripe.com/privacy).

  7. Business and Delivery

    If you elect to receive your insurance related documents by Electronic Delivery instead of by Mail, we will enroll you in our Electronic Delivery of Documents Program ("Program"). You can choose to enroll your policy, billing account or both in the Program. By enrolling in the Program, you will confirm that you have read and agree to accept our eDelivery Terms and Conditions.

    You should be aware that your consent to Electronic Delivery will remain in effect and will apply to all future renewals, continuations, replacements and changes to any Policy(ies) or Billing Account(s) unless:

    • You withdraw your consent in accordance with the eDelivery Terms and Conditions; or
    • We terminate the Program, your enrollment in the Program or the enrollment of a Policy or Billing Account.

    We are not liable for any loss, liability, cost, expense or claim arising out of your enrollment in the Program or your election to receive Documents by Electronic Delivery.

  8. Intellectual Property

    Just so it’s clear, and subject to your compliance with these terms of service, we’re giving you a limited right to use the Website for your personal, non-commercial use, but we’re not giving you any ownership rights in the Website or any intellectual property contained on the Website. You have to get our prior written permission if you want to use the Website or any information or content on the Website for any other purpose. This extends to all of the software, text, images, audio, and other materials on the Website.

    In connection with the Website and our services, we may request that you provide us with photos, text, video, or other content (“User Content”). User Content helps us know things like the model, year, and what you paid for the things you are insuring. User Content also helps us to process your claims quickly if something ever happened to your stuff. You grant to us a license to use, publicly display or perform, copy, publish, and create derivative works of the User Content. You agree that these rights and licenses are worldwide, royalty-free and can’t be revoked by you, and that we can sublicense these rights to our affiliates and any other third party. If you don’t own the copyright in User Content, you must get appropriate permission from the copyright owner before providing us User Content.

    The name “Traverse” and the Travelers Umbrella logo are trademarks or service marks of The Travelers Indemnity Company in the United States and other countries. Other trademarks, service marks, trade names, logos, and other intellectual property that appear on the Website are owned by us and our affiliated companies. We are not granting to you any intellectual property rights to the Website or any of our intellectual property. In short, you can use the Website, but we own it.

  9. Feedback

    We love hearing from our customers and other users of this Website. If you have any ideas, suggestions, or feedback (collectively, “Feedback”), you can email them to us at help@withtraverse.com, provide them to us through the Website, or otherwise send them to us, including by carrier pigeon. By giving us Feedback, you acknowledge and agree that (i) we may use your Feedback without compensation to you for any purpose, including by incorporating your Feedback into the Website or our products or services, (ii) your Feedback doesn’t contain information that isn’t yours or that you’re not entitled to share with us (such as confidential information from someone else), (iii) we can share your Feedback with third parties, and (iv) the Feedback becomes our property (but you get to keep the carrier pigeon).

  10. Disputes

    While we hope there won’t ever be a dispute between you and us that arises from the Website or these terms of service, we want to make it clear how disputes will be handled. This section contains mandatory arbitration provisions that apply to disputes concerning the Website or these terms of service – they don’t change or impact any terms contained in any insurance policy you purchase from us.

    EXCEPT FOR CLAIMS THAT QUALITY FOR AND ARE FILED IN SMALL CLAIMS COURT, YOU AND WE AGREE TO REVOLVE ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO YOUR USE OF THE WEBSITE OR THESE TERMS OF SERVICE THROUGH FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT. THE PREVIOUS SENTENCE DOES NOT APPLY TO ANY SUIT SOLELY FOR INJUNCTIVE RELIEF TO STOP UNAUTHORIZED USE OR ABUSE OF THE WEBSITE OR INTELLECTUAL PROPERTY INFRINGEMENT. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND US EACH WAIVE ANY RIGHT TO A JURY TRIAL. YOU AND WE EACH AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CLASS.

    The arbitration will be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures, as amended by these terms of service. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, JAMS or the arbitrator will decide. The arbitrator’s decision will follow these terms of service and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of these terms of service, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction. The state and federal courts of the state of New York will have exclusive jurisdiction to settle any claim, dispute or matter of difference that may arise out of or in connection with the arbitration. Notwithstanding any of the foregoing, nothing in these terms of service will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against us for you.

  11. Applicable Law

    We operate and control the Website from the Unites States and by providing the Website don’t intend to subject ourselves to any other laws or jurisdictions. You agree that that Federal Arbitration Act, applicable United States federal law, and the laws of the State of New York, without giving effect to principles of conflicts of laws, will govern these terms of service and any dispute that may arise out of your use of the Website and these terms of service.

  12. Disclaimer of Warranties

    THE WEBSITE, AND ALL INFORMATION, MATERIALS, AND CONTENT ON THE WEBSITE OR MADE AVAILABLE TO YOU THROUGH THE WEBSITE ARE PROVIDED ON AN “AS-IS” “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE WEBSITE, OR AND INFORMATION, MATERIALS, AND CONTENT ON THE WEBSITE OR MADE AVAILABLE TO YOU THROUGH THE WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.

    TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE WEBSITE (I) WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, (II) WILL MEET ALL OF YOU REQUIREMENTS, OR (III) WILL BE UNINTERRUPTED, TIME, OR ERROR-FREE.

  13. LIMITATION OF LIABILITY

    TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE WEBSITE, OR FROM ANY INFORMATION OR CONTENT ON OR MADE AVAILABLE TO YOU THROUGH THE WEBSITE, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, AND PUNITIVE DAMAGES OF ANY KIND. WITHOUT LIMITING THE PREVIOUS SENTENCE, OUR MAXIMUM AGGREGATE LIABILITY FOR ALL CAUSES OF ACTION RELATED TO THE WEBSITE, WHETHER IN CONTRACT OR TORT, SHALL BE $50. IN THE EVENT YOU ARE DISSATISFIED WITH THE WEBSITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE WEBSITE.

    APPLICABLE LAW MAY NOT ALLOW FOR LIMITATIONS ON CERTAIN WARRANTIES, OR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES. IF SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE CERTAIN ADDITIONAL RIGHTS.

  14. Confidentiality of Information for Domestic Violence Victims in NY

    New York Insurance Law §2612 prohibits various types of discrimination based on being a victim of domestic violence. Among its provisions, §2612 provides that if any person covered by an insurance policy delivers to the insurer a valid order of protection against the policyholder or other person covered by the policy, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the victim, or of any person or entity providing covered services to the victim. If a child is a covered person, then the right established by §2612 may be asserted by the child’s parent or guardian. The full text of New York Insurance Law §2612 can be found on the New York State Legislature website.

    If you have an order of protection against a policyholder or other person covered by a Travelers policy, and you are also covered by the policy, you may send the order of protection and any alternative address, telephone number, or other method of contact, to the Consumer Affairs unit at Travelers, as follows:

    Email: consumeraffairs@travelers.com

    Fax: 860-277-5347

    Postal Address:

    Travelers

    Attn: Consumer Affairs

    One Tower Square, 8MS

    Hartford, CT 06183

    You may also contact the Consumer Affairs unit at Travelers by phone at 860-954-2382.

    To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906 (English) or

    (800) 942-6908 (Spanish).

  15. California Residents

    California residents may reach the Complaint Assistance Unit of the Division of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

  16. Termination

    These terms of service are effective until terminated. We may terminate or suspend your use of the Website at any time without prior notice, including if we believe you have violated these terms. Upon such termination, your right to use the Website will immediately cease and we may immediately deactivate your account, without any obligation to provide further access to such materials. Any sections of these terms that by their nature are intended to survive termination will survive, including Sections 3, 4, and 6 – 14.


ELECTRONIC DELIVERY OF DOCUMENTS PROGRAM

eDelivery Terms and Conditions

To receive your insurance related documents by Electronic Delivery instead of by Mail, you must enroll in our Electronic Delivery of Documents Program ("Program"). You can choose to enroll your policy, billing account or both in the Program. By enrolling in the Program, you confirm that you have read and agree to these eDelivery Terms and Conditions ("Terms and Conditions").

The words "we," "us," and "our" mean Traverse and Travelers*. The words "you" and "your" mean you, the Named Insured who is enrolling in the Program. You represent that you are a Named Insured on the Policy(ies) and Billing Account(s) and that you have authority to act on behalf of all Named Insureds on the Policy(ies) and Billing Account(s).

When capitalized, the words "Policy," "Policies" or "Policy(ies)" mean the policy or policies that you choose to enroll in the Program. We require separate enrollment of each policy you want in the Program. By enrolling a Policy or Policies in the program, you agree to receive Policy Documents related to those Policy(ies) by Electronic Delivery. Only one Named Insured's consent is required to enroll a Policy or Billing Account in the Program, regardless of the number of Named Insureds on the Policy or Billing Account.

When capitalized, the words "Billing Account", "Billing Accounts" or "Billing Account(s)" mean the billing account you choose to enroll in the Program. When you purchase a policy with us, a billing account is established. If you purchase more than one policy from us, you can have those policies billed together under a single billing account or you can have those policies individually billed under separate billing accounts. We require separate enrollment of each billing account you want in the Program. By enrolling a Billing Account or Billing Accounts in the Program, you agree to receive Billing Documents related to those Billing Account(s) by Electronic Delivery.

Your consent to Electronic Delivery will remain in effect and will apply to all future renewals, continuations, replacements and changes to any Policy(ies) or Billing Account(s) unless:

  • You withdraw your consent in accordance with these Terms and Conditions; or
  • We terminate the Program, your enrollment in the Program or the enrollment of a Policy or Billing Account.

We are not liable for any loss, liability, cost, expense or claim arising out of your enrollment in the Program or your election to receive Documents by Electronic Delivery.

Documents to be Provided by Electronic Delivery

Policy Documents, Billing Documents and Documents have the following meaning in these Terms and Conditions:

"Policy Documents" means:

  • Insurance policies, policy jackets, endorsements and declarations pages, renewal declarations pages, privacy policy, important notices, automobile id cards, change declarations, consumer bills of rights, newsletters, information about your policy, underwriting documentation, applications, questionnaires, surveys, and any other documents related to your insurance as we may determine.

"Billing Documents" means:

  • Bills, billing notices, billing related disclosure notices not sent with the policy, information about your bill or payment and any other documents related to your bill or payment as we may determine.

"Documents" means:

  • Policy Documents, Billing Documents or both.

Some types of Documents may not be available for Electronic Delivery. We will continue to Mail those Documents to you. However, some or all of those Documents may become available for Electronic Delivery in the future.

When Documents become available for Electronic Delivery, we may automatically start sending those Documents by Electronic Delivery and stop Mailing those Documents to you, without any further notice.

Your consent to Electronic Delivery applies both to Documents that are currently available for Electronic Delivery and to Documents that may become available for Electronic Delivery in the future.

Method of Electronic Delivery

When we say we will send you a Document by Electronic Delivery, it means we will:

  • Send the Document by email, or in an attachment to an email, or
  • Send a notice by email or text that the Document is available for you to view on a particular website. You will need to create a username and password to access the website and view your Document, which you may do during the purchase process.

Whether to email text you the Document or to send you a notice that the Document is ready to view online is our choice. We will send the Document or notice to the Email Address of Record. If we detect that our email to you was not delivered successfully, we may (i) Mail you the Document, or (ii) Mail you a notice, informing you that your Document is available to view online.

We may choose not to use Electronic Delivery for certain Documents or at certain times and, instead, may Mail the Document. In some circumstances, we may choose to send a Document both by Electronic Delivery and by Mail.

A Document we send by Electronic Delivery is considered delivered when sent. This is regardless of whether you actually access or view the Document.

Mail Delivery

When we say we will Mail you a Document, it means we will mail or otherwise physically deliver the Document to the address shown in the Declarations page of the Policy.

Email Address of Record

At the time you enroll a Policy or Billing Account in the Program, you will need to designate an email address ("Email Address of Record") for each Policy and Billing Account that you choose to enroll. We may require the Email Address of Record for each Policy and Billing Account to be the same. This is the email address we will use for Electronic Delivery of Documents for that Policy or Billing Account. An Email Address of Record must be the email address of a Named Insured on the Policy or Billing Account who has authority to act on behalf of all Named Insureds on the Policy or Billing Account.

You can change or update an Email Address of Record either (i) by logging into https://covered.withtraverse.com/ and updating your email address or (ii) by notifying a Traverse service representative at 1-888-678-2114.

The Email Address of Record for a given Policy or Billing account is the last Email Address of Record we have in our files for that Policy or Billing Account. It is your responsibility to notify us of any changes or updates to an Email Address of Record. You are responsible for ensuring that we have the correct Email Address of Record for each Policy and Billing Account. We will not be liable for any loss, liability, cost, expense or claim arising out of an incorrect Email Address of Record.

Withdrawing Consent for Electronic Delivery

You may withdraw your consent to Electronic Delivery of Documents by changing your delivery preference back to delivery by Mail. You can do this by either (i) logging onto https://covered.withtraverse.com/ and updating your delivery preferences or (ii) notifying a Traverse service representative at 1-888-678-2114. You will need to affirmatively change your delivery preference for each Policy and each Billing Account that you wish to withdraw from the Program.

Time for Enrollment, Changes or Withdrawal of Consent to Become Effective

It may take a period of time for us to process your enrollment in the Program, process a change to an Email Address of Record or process any request to withdraw a Policy or Billing Account from the Program. We will send Documents to you by Mail until we process your enrollment. Changes to any Email Address of Record or withdrawal of your consent to receive Documents electronically are not effective until we process the change. We will continue to send Documents to the Email Address of Record until any change becomes effective.

Hardware and Software Requirements

In order to access, view and retain the Documents we send you by Electronic Delivery, you need:

  • A valid email address
  • Regular internet access via a browser that is JavaScript and Cookies enabled. For details on our Cookies policies, click here.
  • one of the following browsers:
    • Internet Explorer 8 or above
    • Chrome 24 or above
    • Firefox 18 or above
    • Safari 5 or above
  • Adobe Reader™, to view Documents in pdf format. If you do not have an Adobe PDF reader, you may be able to download the necessary software at http://get.adobe.com/reader/.
  • Sufficient electronic storage capacity on your computer's hard drive or other data storage unit, and
  • If you want to print any Document, a printer capable of printing a pdf.

We may send our emails in HTML or plain text. Most emails will not be encrypted. However Documents attached to the email may be encrypted. If a Document is encrypted, you will need a password to access the Document, even after it is saved on your local hard drive. Not all Documents will be encrypted.

You may incur costs, including but not limited to, online time and other charges from your internet service provider, in accessing and/or viewing Documents.

By enrolling in the Program, you acknowledge that you have the minimum hardware and software requirements listed in this section.

Termination by Us

We may terminate the Program, your enrollment in the Program or the enrollment of any Policy or Billing Account in the Program at any time. If your enrollment, the enrollment of any Policy or Billing Account, or the Program itself is terminated, we will resume Mailing Documents.

Modification to Terms and Conditions

We may modify these Terms and Conditions from time to time, without your consent. The terms and conditions will always be posted on https://covered.withtraverse.com/. If you do not agree to the Terms and Conditions at any time, you may withdraw consent for Electronic Delivery as set forth in these Terms and Conditions.

Communications in Writing

All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of all Documents and these Terms and Conditions.

Paper Documents

You may request a paper copy of your Documents at any time at no additional charge by calling Traverse service representative at 1-888-678-2114.

Governing Law

Your consent to receive Documents electronically is a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act and to state laws affecting electronic transactions. You and we both intend that these laws apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

*The Travelers Indemnity Company and its property and casualty affiliates. In Florida, some automobile, homeowners and other property policies may be underwritten by


Recurring Credit Card Payment Plan

This authorization allows Travelers to automatically charge the debit/credit card account you have provided for all policy premium and charges, and if necessary credit the account. This is a recurring authorization and it applies to future policy renewals, reinstated policies and replacement policies and to policies you subsequently enroll. In the event of a change to my charge amount or a policy number change, or if policies are added, Travelers will provide advance notice. The advance notice will identify these changes and be sent prior to the scheduled charge to which the change applies. This authorization will remain valid until you provide Travelers with notice of cancellation. Travelers and/or my financial institution can cancel my enrollment at any time. By accepting these terms, you represent that you are the owner and/or authorized signer on the account.


Accessibility

Travelers works to make its website accessible to all, including those with disabilities. If you are having difficulty accessing this website, please call or email us at 800.441.4378 or accessibility@travelers.com so that we can provide you with the services you require through alternative means.