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Terms of Use

These Terms of Use outline the terms and conditions relating to your use of and provide additional information about IronRock Insurance Company Limited, its affiliates and subsidiaries (“IronRock”). These Terms of Use are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.

Privacy Policy

To receive information about IronRock’s Privacy Policy, please visit our Notice of Privacy Policy.

Your Use of This Site

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, IronRock reserves the right to disclose any information you provide through the use of this site or other IronRock owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of IronRock. You agree that any information you provide through this site will be truthful and accurate. IronRock reserves the right to require a customer change their User ID or answers to security questions if they are deemed inappropriate at IronRock’s sole discretion and judgment.

Emails to IronRock Addresses

The IronRock email system is a private email system intended only for purposes authorised by IronRock. You are not authorised to send numerous unsolicited commercial email messages to any email addresses IronRock reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorised parties.

Disclaimer of Warranties

Any information, services, materials, software, calculators or other items on this site are provided “as is” without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. IronRock does not warrant that this site will be uninterrupted or error free. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will IronRock be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.

Secured Areas/Passwords

Some portions of this site are restricted and require authorisation for access. Unauthorised use of or access to these areas is prohibited. Actual or attempted unauthorised use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorisation may be viewed, monitored and recorded and any information obtained may be given to law enforcement organisations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorised user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorised user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. IronRock will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorised activity related to your account, you should contact IronRock. IronRock will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information IronRock encourages you to change your password every six months.

IronRock Intellectual Property Rights

The IronRock logo, the term “IronRock” and all other IronRock trademarks are the intellectual property of the IronRock Insurance Company Limited and its affiliates and subsidiaries. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of IronRock and are protected by copyright or other intellectual property laws.
IronRock reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorised to use any portion of this site or any other IronRock intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not duplicate, distribute, display, perform, create derivative works, or otherwise use any of this site’s content or frame this site within any other site.

Links to/from Other Sites

For your convenience, IronRock may provide links to other Internet sites that IronRock does not maintain. You should not interpret any link to/from other sites as indicating that IronRock sponsors or endorses the sites or their materials or that the sites are affiliated with IronRock in any manner. IronRock is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. IronRock is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.

Other Agreements

These Terms of Use apply to your use of this site and do not change or alter any other contract or agreement between you and IronRock.

Insurance Quotes/Coverages

At this time, on-line quotes may not be available for all products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by IronRock, please contact IronRock.

All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to IronRock. All applications are subject to underwriting approval. Coverages and availability may vary; and additional minimum coverage limits may be available. For additional information, please contact IronRock.

Online Claims Submissions

If you are an IronRock customer, you may elect to report an insurance claim online. Your submission does not commit IronRock to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. IronRock reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact IronRock.

SMS Texting Terms and Conditions

IronRock provides standard-rate SMS (Short Messaging Service) programs which provide various types of information to our IronRock customers.

If you have any questions or concerns about sending and/or receiving SMS messages, you can contact us at +1-876-656-8000. 

IronRock is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the customer and their data. Neither IronRock nor our supported carriers are liable for delayed or undelivered messages.

Changes to this Document

The content of this site and of these Terms of Use are subject to change without prior notice.

Applicable Law/Severability

These Terms of Use shall be governed by and interpreted according to the laws of Jamaica without respect to any conflict of laws provisions. If any portion of these Terms of Use is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

Private Car Insurance

Learn more about IronRock's Private Car Insurance policy here:
Car Insurance Simplified

Home Insurance

Learn more about IronRock's Home Insurance policy here:
Home Insurance Simplified