Terms & Conditions

Effective Date: 08/01/2026

Welcome to the 8 Star Insurance website.

These Terms & Conditions govern your use of this website and the insurance information, quote-request tools, forms, and services made available through it.

By using this website or submitting information through it, you agree to these Terms & Conditions.

1. Insurance Information Only

Information provided on this website is intended for general informational purposes and should not be considered a binding insurance quotation, policy, coverage confirmation, or guarantee of coverage.

Insurance coverage is subject to:

Carrier underwriting requirements
Eligibility guidelines
Application information
Verification of information
Policy terms and conditions
Applicable exclusions and limitations
Required inspections or documentation
Final approval by the insurance carrier

2. Quote Requests Are Not Binding Coverage

Submitting a quote request through this website does not create insurance coverage.

A policy is not considered bound or effective until all required steps have been completed and coverage has been formally confirmed by an authorized insurance carrier or insurance representative.

You should not cancel any existing insurance policy until replacement coverage has been confirmed in writing.

3. Accuracy of Information

Insurance quotations and recommendations depend on the accuracy and completeness of the information provided.

By submitting information to us, you represent that the information provided is accurate and complete to the best of your knowledge.

Incorrect, incomplete, or omitted information may affect:

Eligibility
Premium
Coverage
Policy issuance
Claims
Renewal
Cancellation or rescission rights

4. Comparing Insurance Options

8 Star Insurance may review insurance options from multiple available insurance carriers or markets.

The number of available options may vary depending on:

Type of insurance
Location
Risk characteristics
Carrier availability
Underwriting requirements
Market conditions

Not every insurance company or insurance product available in the marketplace may be represented or available through us.

Our goal is to help identify an appropriate combination of coverage, cost, and overall value based on the information available at the time of review.

5. Insurance Premiums and Availability

Insurance premiums, discounts, underwriting requirements, and product availability may change at any time.

A preliminary estimate or quotation may therefore differ from the final premium offered by an insurance carrier.

Quotes may also expire after a specified period.

6. Our Compensation

You generally do not pay us a separate consulting fee simply for helping you shop, compare, and review insurance options unless a separate fee has been specifically disclosed and agreed upon.

Insurance agencies and producers are commonly compensated by insurance carriers through commissions or other permitted compensation when insurance coverage is placed.

Any compensation arrangement is subject to applicable insurance laws and carrier agreements.

7. Coverage Recommendations

We may assist you in understanding insurance options and identifying coverage that may be suitable based on the information you provide.

However, you remain responsible for reviewing:

Coverage limits
Deductibles
Exclusions
Endorsements
Conditions
Policy forms
Premiums

before accepting coverage.

If you have questions about any policy provision, please ask us before purchasing or renewing coverage.

8. Policy Reviews and Renewals

We may assist customers with policy reviews, renewal comparisons, premium changes, or alternative coverage options.

However, we cannot guarantee that:

A lower premium will always be available
Current coverage can always be duplicated
A particular carrier will continue offering coverage
Renewal terms will remain unchanged

Insurance markets and carrier underwriting requirements may change over time.

9. Electronic Communications

By submitting a quote form or contacting us electronically, you consent to receive communications related to your inquiry through methods such as:

Email
Telephone
Text message, where permitted
Other electronic communication methods

You are responsible for providing accurate contact information.

10. Website Availability and Accuracy

We work to keep information on this website accurate and current, but we cannot guarantee that every page will always be complete, current, or error-free.

Insurance products, carrier requirements, state regulations, premiums, and eligibility criteria may change without immediate updates to the website.

11. Third-Party Websites

Our website may provide links to insurance carriers, payment platforms, government resources, or other third-party websites.

These third-party websites operate independently, and 8 Star Insurance is not responsible for their:

Content
Security
Availability
Privacy practices
Terms of use
Products or services

12. Intellectual Property

Unless otherwise stated, the content of this website, including text, branding, graphics, design elements, and original materials, is owned by or licensed to 8 Star Insurance.

Website content may not be reproduced, distributed, copied, or commercially used without authorization.

13. Prohibited Use

You agree not to use this website to:

Provide intentionally false or fraudulent information
Attempt unauthorized access to website systems
Interfere with website security
Distribute malicious software
Misuse quote forms or communication systems
Violate applicable laws or regulations

14. Limitation of Liability

To the extent permitted by applicable law, 8 Star Insurance will not be responsible for indirect, incidental, special, or consequential losses arising solely from the use or inability to use this website.

Nothing in these Terms is intended to limit obligations or rights that cannot legally be limited under applicable insurance or consumer-protection laws.

15. Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we may collect, use, protect, and share information.

16. Changes to These Terms

We may modify these Terms & Conditions periodically.

Any updated version will be posted on this website with a revised effective date. Continued use of the website after an update constitutes acceptance of the revised Terms.

17. Governing Law

These Terms will be interpreted according to the laws applicable to 8 Star Insurance and its operations, subject to applicable insurance and consumer-protection requirements.

18. Contact Us

Questions regarding these Terms & Conditions may be directed to:

8 Star Insurance
1000 North Brook Drive,
Trevose, PA 19053
Phone: 215-501-4159
Email: instantloans@rakshamtg.com