Welcome to the App and website operated by KoverNow PTE (“KoverNow”, “we”, “us”, “our”). All uses of our App or Website are subject to the following terms and conditions of use (“Terms of Use”).

Please read these Terms of Use carefully before accessing or using any part of our App and/ or Website. By accessing, or using our App and /or Website, you agree that you have read, understand and agree to be bound by these Terms of Use, as amended from time to time, as well as the KoverNow Privacy Statement, which is hereby incorporated into these Terms of Use. If you do not wish to agree to these Terms of Use, do not download the App or access or use any part of our Website.

We may revise and update these Terms of Use at any time by posting the amended terms to this Website. Your continued use of the KoverNow App and/ or Website means that you accept and agree to the revised Terms of Use. If you disagree with the Terms of Use (as amended from time to time) or are dissatisfied with this App and/ or Website, your sole and exclusive remedy is to discontinue using our App and Website. The most current version of these Terms of Use, which supersedes all previous versions, can be reviewed by clicking on the “Terms of Use” hyperlink.


You agree to use the KoverNow App and Website only for lawful purposes.

  1. Specifically, you agree not to do any of the following: (i) upload to or transmit on the KoverNow App or Website any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (ii) use the KoverNow App or Website to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction; (iii) intercept or attempt to intercept electronic mail not intended for you; (iv) misrepresent an affiliation with any person or organization; (v) upload to or transmit on the KoverNow App or Website any advertisements or solicitations of business; (vi) restrict or inhibit use of the KoverNow App or Website by others; (vii) upload or otherwise transmit files that contain a virus or corrupted data; (viii) collect information about others (including e-mail addresses) without their consent; (ix) download a file or software or include in a message any software, files or links that you know, or have reason to believe, cannot be distributed legally over the KoverNow App and/or Website or that you have a contractual obligation to keep confidential (notwithstanding its availability on the Hippo KoverNow App or Website); (x) post “spam,” transmit chain letters or engage in other similar activities; or (xi) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the KoverNow App or Website, or which, as determined by KoverNow, may harm KoverNow or users of the App and or Website or expose them to liability.
  2. Any content and/or opinions uploaded, expressed, or submitted to a message board, blog, chatroom or any other publicly available section of the KoverNow App or Website (including password-protected areas), and all articles and responses to questions, other than the content provided by KoverNow, are solely the opinions and responsibility of the person or entity submitting them and do not necessarily reflect the opinions of KoverNow. You understand and acknowledge that you are responsible for whatever content you submit, and you, not KoverNow, have full responsibility for such content, including its legality, reliability, and appropriateness. By uploading, or otherwise transmitting material to any area of the KoverNow Website, you warrant that the material is your own or is in the public domain or otherwise free of proprietary or other restrictions and that you have the right to post it to the KoverNow App or Website. You grant to KoverNow the right to use all content, you upload or otherwise transmit to the KoverNow App or Website in any manner KoverNow deems appropriate to maintain and improve its services.
  3. We reserve the right, but do not assume any responsibility, to (i) remove any material posted on the KoverNow App or Website which KoverNow, in its sole discretion, deems inconsistent with the foregoing commitments, including any material KoverNow has been notified, or has reason to believe, constitutes a copyright infringement; and (ii) terminate any user’s access to all or part of the KoverNow App or Website. However, KoverNow can neither review all material before it is posted on the KoverNow App or Website nor ensure prompt removal of objectionable material after it has been posted. Accordingly, KoverNow assumes no liability for any action or inaction regarding the transmission, communication or content provided by third parties. KoverNow reserves the right to take any action it deems necessary to protect the personal safety of users of this App and Website and the public; however, KoverNow has no liability or responsibility to anyone for performance or non-performance of the activities described in this paragraph.
  4. Your failure to comply with the provisions of (1) or (2) above may result in the termination of your access to the KoverNow App and Website and may expose you to civil and/or criminal liability.



The entire contents of the App and Website (including all information, software, text, displays, images and audio) and the design, selection and arrangement thereof, are proprietary to KoverNow, or its licensors and are protected by Republic of Singapore and international laws regarding copyrights, trademarks, trade secrets and other proprietary rights. You are authorized only to use the content on the App and/ or Website for personal use or legitimate business purposes related to your role as a current or prospective customer, supplier, or distributor of KoverNow. You may not copy, modify, create derivative works of, publicly display or perform, republish, store, transmit or distribute any of the material on this App or Website without the prior written consent of KoverNow, except to: (i) store copies of such materials temporarily in RAM, (ii) store files that are automatically cached by your web browser for display enhancement purposes, and (iii) print a reasonable number of pages of the KoverNow Website; provided in each case that you do not alter or remove any copyright or other proprietary notices included in such materials. Neither the title nor any intellectual property rights to any information or material in this App or Website are transferred to you but remain with KoverNow or the applicable owner of such content. Except as expressly authorized by us in writing, you may not reproduce, sell, or exploit for any commercial purposes (i) any part of this APP or Website, (ii) access to the App or Website, or (iii) use of the App or this Website or of any services or materials available through this App or Website.


The term “KoverNow” is a trademark and the KoverNow logo and all related product and service names, designs and slogans on our App and Website are trademarks of KoverNow. You may not use such marks without our prior written permission. All other names, brands and marks not owned by KoverNow are used for identification purposes only and may be trademarks, or registered trademarks of their respective owners.


If you choose to correspond, participate in a promotion, or engage in transactions with any merchant found on, or through this Website, you acknowledge and agree that KoverNow is not a party to, and will not be responsible for, your interaction with such merchant, including its treatment of your information and the terms and conditions applicable to any transaction between you and the merchant. The terms of your interaction with any merchant are solely between you and such merchant. You agree that KoverNow will have no responsibility or liability for any loss or damage of any kind that you may suffer as the result of any such interaction or the presence of such merchants on or App and/ or Website.


KoverNow does not assume any liability for the materials, information and opinions provided on, or available through, our App and Website (the “Site Content”). The Site Content is not and should not be construed as insurance advice. Reliance on the Site Content is solely at your own risk and KoverNow disclaims any liability for injury or damages resulting from the use of any Site Content. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the applicable insurance policy and not the Site Content. Accordingly, you are encouraged to view/download a specimen of your actual policy documentation prior to making any purchase decision.

The KoverNow App and Website, the Site Content and the products and services provided on or available through our App and Website are provided on an “as is” “as available” basis, with all faults. Neither KoverNow or any person associated with KoverNow makes any warranty or representation with respect to the quality, accuracy or availability of the KoverNow App or Website. Specifically, but without limiting the foregoing, neither KoverNow nor anyone associated with KoverNow warrants or represents that the KoverNow App or Website, the Site Content or the services provided on or through the App or Website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that the KoverNow App or Website, or the server that makes it available are free from viruses or other harmful components; or that the KoverNow App and Website will otherwise meet and your needs and expectations.

KoverNow disclaims all warranties of any kind, express or implied, including any warranties or merchantability, fitness for a particular purpose, valuation, or non-infringement. In no event will KoverNow, or its licensors, or contactors be liable for any damages of any kind, under any legal theory, arising out of, or in connection with your use, or inability to use the KoverNow App or Website, the Site Content, any services on or through this App or Website, or any linked site, including any direct, indirect, special, consequential or punitive damages, including, but not limited to, personal injury, lost profits or damages resulting from delay, interruption of service, viruses, deletion of files or electronic communications, or errors, omissions or other inaccuracies in the KoverNow App or Website or the Site Content, whether or not there is negligence by KoverNow and whether or not KoverNow has been advised of the possibility of any such damages.


KoverNow’s use of your personal information and our responsibilities in connection with protecting your privacy are described in our Privacy Statement (available on www.kovernow.com) which is hereby incorporated by reference into these Terms of Use. You are prohibited from using any services or facilities provided in connection with the App or Website to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, KoverNow reserves the right to release your details to system administrators at other web sites to assist them in resolving security incidents. KoverNow reserves the right to investigate suspected violations of these Terms of Use.

KoverNow reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing KoverNow to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.



We welcome your comments. All comments, suggestions or other information sent by you to our App or Website will become

KoverNow’s property, and you agree that all intellectual property rights therein are transferred to KoverNow. You understand that any postings to publicly available portions of the KoverNow App or Website are non-confidential for all purposes.


Our App and Website may contain links to other web sites on the Internet. KoverNow is not responsible for and does not endorse the content, products or services of any third-party Websites, including, without limitation, sites framed within the KoverNow’s App or Website or third-party advertisements, and KoverNow does not make any representations regarding their quality, content or accuracy. Your use of third-party apps and websites is at your own risk and subject to the terms and conditions of use for such web sites.


The owner of this App and Website is licensed as an insurance agent in Singapore where it offers its products and services. Selected, non-insurance services are available in additional jurisdictions. KoverNow makes no representation that the products and services on this App and Website are appropriate or available for use outside of the jurisdiction where KoverNow is currently selling insurance. If you access this App or Website from other locations, you hereby acknowledge and agree that you are viewing the products and services on this App or Website for general informational purposes only.


All quotes generated in this App or Website are based on information you provided on this App or Website, as well as, in some cases, information we obtain from third parties. Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage. The coverage descriptions provided in this App and Website are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. To obtain insurance coverage you must complete all the steps in this App or Website through the final application through this App or Website. Applications are subject to underwriting review and approval.


If you file a claim under your policy, the information you submit, and the loss are subject to review and verification. We reserve the right to request additional information before making a final decision on your claim. Your claim is of subject to the provisions in your policy.




These Terms of Use shall be governed in all respects and construed in accordance with the laws of Singapore. You agree to submit to the jurisdiction of such courts.