Web Content Viewer (JSR 286)

Terms Of Use

WELCOME TO KEMPER DIRECT

Kemper Direct markets auto and homeowners insurance to consumers via direct mail, the internet, employer-sponsored employee benefit programs and other affinity relationships. Kemper Direct is part of Kemper Corporation, a Chicago-based financial services company with about $8 billion in total assets..

Kemper Direct services policyholders in more than 20 states. Kemper Direct’s underwriting companies are rated “A-“(Excellent) by A.M. Best, the leading insurance industry rating authority. In this website Kemper Direct refers to one or more of the companies listed in the below section entitled, Underwriting Companies, with respect to that company’s operations when writing the business described in this website as Kemper Direct.

The particular company that issue your policy depends on where you live and the coverage(s) you need. For further information, please talk to one of our customer service representatives.

Terms and Conditions

This document and information contained within the site itself provide the Terms and Conditions relating your use of this site. Regardless of how you access this site, your use is expressly conditioned on your acceptance of the Terms and Conditions contained below and within the site itself. If you do not wish to be bound by the Terms and Conditions, please discontinue using and accessing this site immediately.

Kemper Direct reserves the right to change the Terms and Conditions at any time without notice. You agree to be bound to any change to the Terms and Conditions when you access the site after any change is posted.

Purpose of Information on Web Site

The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Only the actual insurance policy or contract can provide the actual terms, language, coverage amounts, conditions, and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverage or other products or services, please contact us. All products and services referenced in this site are subject to certain qualification requirements, and may be changed at any time without notice. Products and services referenced in this site may not be available in all jurisdictions, nor in all underwriting companies.

External Links

Links to other internet sites that are not maintained by us may be accessed through this web site for your convenience only. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of Kemper Direct. We are not responsible for the content of those sites nor do we approve, endorse or certify information available at any external site or linked addresses contained herein. We make no warranties and hereby disclaim all liability as to the accuracy of the content and to any representations made concerning the quality of products or services provided on those sites. We are also not responsible for the privacy policies or practices of those sites. You should read the terms of use and privacy policies of those sites.

Intellectual Property Rights / Reproduction of Information Prohibited

The contents of this site are protected by applicable copyright or other intellectual property laws. The trademarks, service marks, slogans, logos, and other intellectual property are the property of Kemper Direct or its affiliates, unless otherwise disclosed. You may print a copy of the information contained herein for your personal non-commercial use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without prior written permission of Kemper Direct. All copyright and other proprietary notices must appear in all copies in the same manner as the original. In addition, any logo of such entity or service marks may not be used in advertising or publicity pertaining to distribution of this or any other material without specific, prior written permission of Kemper Corporation.

Updating of Information Disclaimer

The information presented on this website was believed to be accurate at the time it was published. While we periodically update the information on this website, the information is subject to change without notice, and we make no guarantee as to the timeliness or accuracy of any material presented on this site at the time accessed. We are not responsible and hereby disclaim liability for any errors, omissions or availability of this information. We reserve the right to add, remove and change information at any time without notice.

Security

Any information received about you through services inherent to all Internet communications, is for our own use so we can analyze the activity of our web site and make improvements based on that activity. Please review the Company "Privacy Policy" regarding all other types of information we collect.

Be aware that all Internet e-mail can potentially be viewed, copied or modified by unauthorized persons. We are not responsible for the security or confidentiality of any information sent using e-mail.

Disclaimer of Warranties and Liability

The information contained on this site, including, without limitation, products and services is provided "as is" without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the disclaimer of implied warranties, so the above disclaimer may be limited by law. In no event shall Kemper Direct, its underwriting companies, affiliates, subsidiaries, or parent companies be liable for any special, indirect, incidental or consequential damages or any other damages whatsoever resulting from or accompanying your use of this site. These include, without limitation, loss of use, data, revenues or profits, regardless of the type of action asserted, whether based on contract, negligence or other tortious conduct, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or disclaim liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortious action, will be limited to the extent required by such law.

Jurisdiction and Severability

These “Terms and Conditions” shall be governed by and interpreted according to the laws of the state of Illinois without respect to any conflict of law provisions. If any provision of the “Terms and Conditions” is held to be invalid or unenforceable, it will not affect the validity or enforceability of any other provision hereof.

Underwriting Companies

Below is a list of underwriting companies with their respective principal places of business and other information:

¹Unitrin Direct Insurance Company