Helping 10,000+ drivers find non-owner car insurance agents nationwide

Terms of Service

Last updated: April 17, 2026

These Terms of Service ("Terms") govern your access to and use of nocarplan.com (the "Site"). By using the Site, you agree to these Terms.

Not an Insurance Agency

NoCar Plan is an independent directory. We are not a licensed insurance agency, broker, producer, or carrier in any state or jurisdiction. We do not sell, bind, quote, or provide insurance. All coverage decisions and policy information must be verified with a licensed insurance professional in your state.

Accuracy of Information

Directory data (agent names, addresses, phone numbers, website URLs, ratings, services offered) is compiled from publicly available sources and may be inaccurate or out of date. Content on the Site is provided for general informational purposes only and is not legal, financial, or insurance advice. Service indicators on agent listings (such as "Offers Non-Owner Insurance" or "SR-22 Filing Available") are derived from automated analysis of publicly available website content and are not independently verified. Always confirm current service offerings directly with the agent.

Use of the Site

You agree not to:

  • Scrape, copy, or redistribute the directory in bulk.
  • Use the Site for unlawful purposes or to infringe any third party's rights.
  • Interfere with or disrupt the Site's operation or attempt to gain unauthorized access.

Affiliate Links & Referrals

Advertising disclosure: The Site contains links to third-party comparison and quote services. We may receive compensation when you click those links or complete a transaction with a partner. This does not affect the price you pay and does not influence which agents appear in the directory.

User Submissions

If you submit a review, report, or other content through the Site, you grant NoCar Plan a non-exclusive, royalty-free, worldwide license to use, display, and modify that content for operating the Site. You are solely responsible for the accuracy of anything you submit and warrant that your submission does not violate any third party's rights.

NoCar Plan does not pre-screen user submissions and is not the author or publisher of user-generated content for purposes of 47 U.S.C. § 230. We reserve the right (but not the obligation) to remove content that violates these Terms or applicable law.

Agent Listings

Inclusion of an agent in the directory is not an endorsement. Agents may contact us at hello@nocarplan.com to request corrections or removal of their listing; we aim to process verified requests within 14 days.

Copyright / DMCA Takedown

If you believe content on the Site infringes your copyright, send a written notice to hello@nocarplan.com with:

  • Identification of the copyrighted work claimed to be infringed.
  • Identification of the material on the Site claimed to be infringing, with sufficient detail for us to locate it.
  • Your contact information (name, address, phone, email).
  • A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
  • A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner.
  • Your physical or electronic signature.

We will process valid DMCA notices promptly. Submitting a false DMCA claim may expose you to liability under 17 U.S.C. § 512(f).

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

NoCar Plan will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site. Our aggregate liability for any claim relating to the Site is limited to US $100.

Dispute Resolution and Arbitration

Please read this section carefully. It affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site that cannot be resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court. Arbitration will be conducted in English.

Class Action Waiver: You and NoCar Plan agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

Nothing in this section prevents either party from seeking injunctive or other equitable relief in court to prevent irreparable harm pending arbitration. If the class action waiver is found unenforceable, the entire arbitration provision is void.

Governing Law

Governing law and venue will be specified once the operating entity for NoCar Plan is finalized. Until then, for the limited purpose of any dispute not subject to mandatory arbitration above, you and NoCar Plan agree to negotiate in good faith before initiating any legal proceeding.

Changes

We may update these Terms from time to time. Continued use of the Site after updates constitutes acceptance of the new Terms.

Contact

Questions about these Terms? Email hello@nocarplan.com.

These Terms are provided as a starting template and are not legal advice. Consult a qualified US attorney to ensure these Terms meet the requirements of US consumer protection laws (including state UDAP statutes, CCPA/CPRA, and the FTC Endorsement Guides) and to finalize the Governing Law clause once an operating entity is in place.