Terms and Conditions

BEFORE YOU CAN USE OUR VCHECK SERVICE,
WE NEED TO OBTAIN YOUR UNDERSTANDING OF AND AGREEMENT TO THE FOLLOWING TERMS:

I understand that submitting payment does not guarantee coverage. Coverage is not effective until confirmed by The Novick Group. Unless authorized in writing by the carrier, coverage cannot be backdated or reinstated. If you authorize us to collect premium through this service, we will create a written demand draft ("Vcheck") and present it to your financial institution for payment against your designated account. Please ensure that you have sufficient funds in your designated account. If the Vcheck is not honored for any reason, the insurance covered by the Vcheck will be cancelled retroactive to the coverage effective date. You agree to pay $25.00 to us for each Vcheck that is returned unpaid for any reason.

LIMITATION OF LIABILITY. We offer the Vcheck Service as a courtesy only. We assume no obligation to ensure that it is available for your use. There may be times when the Service is unavailable due to system maintenance or outages.

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