Terms of Service

Last updated: September 2025

Welcome to Backcountry Insurance ("we," "our," "us"). By accessing or using our website (https://backcountryinsurance.com) (the "Site"), you agree to these Terms of Service (the "Terms"). Please read them carefully.

1. Informational Purpose Only

Backcountry Insurance is not an insurance provider, broker, or financial adviser. The content on this Site, including policy comparisons and descriptions, is provided for general informational purposes only. Nothing on this Site should be interpreted as financial, legal, or professional advice.

2. Provider-Specific Coverage

Coverage terms, including what constitutes a "professional guide" or the circumstances under which certain snow sports activities are covered, vary between providers.

• Each insurer has its own definitions, exclusions, and conditions.
• Activities listed under "Default Coverage", "Guide Required" or similar labels are subject to the provider's rules and may differ significantly.
• You must review the insurer's official policy documents (e.g., PDS, certificate of insurance) for exact wording before relying on coverage.
• We do not guarantee that our descriptions, filters, or comparisons fully capture every provider's requirements.

3. Accuracy of Information

We work hard to keep the Site accurate and up to date. However:

• Policy terms can change without notice.
• We cannot guarantee that the information shown on the Site is always current, complete, or error-free.
• The responsibility to verify details with the insurer rests with you.

4. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any loss, damage, or costs arising from reliance on the information provided on this Site.
• This includes (but is not limited to) losses related to insurance coverage gaps, misinterpretations of provider terms, accidents, or denied claims.
• Your use of this Site is at your own risk.

5. No Endorsement

Inclusion of an insurer or product on our Site does not imply endorsement, recommendation, or guarantee of that provider's services.

6. Third-Party Sites

We link to third-party websites we do not control. We are not responsible for the content, accuracy, or practices of these external sites.

7. Governing Law

These Terms are governed by the laws of Australia. Any disputes will be handled exclusively in the courts of that jurisdiction.

8. Changes to Terms

We may update these Terms from time to time. Updated versions will be posted on this page with a new "Last Updated" date.

9. Contact Us

If you have questions about these Terms, please contact us at: [email protected] .