The Complainant is Government Employees Insurance Company (“GEICO”) of Chevy Chase, Maryland, United States of America (“U.S.”), represented by Burns & Levinson LLP, U.S..

The Respondent is Diamond Point Enterprises Limited of Saint John’s, Antigua and Barbuda.

2. The Domain Name and Registrar

The disputed domain name <giecocreditcards.com> (the “Disputed Domain Name”) is registered with Fabulous.com (the “Registrar”).

3. Procedural History

The Complaint was filed with the WIPO Arbitration and Mediation Center (the “Center”) on July 21, 2012. On July 23, 2012, the Center transmitted by email to the Registrar a request for registrar verification in connection with the Disputed Domain Name. On July 24, 2012, the Registrar transmitted by email to the Center its verification response confirming that the Respondent is listed as the registrant and providing the contact details.

The Center verified that the Complaint satisfied the formal requirements of the Uniform Domain Name Dispute Resolution Policy (the “Policy” or “UDRP”), the Rules for Uniform Domain Name Dispute Resolution Policy (the “Rules”), and the WIPO Supplemental Rules for Uniform Domain Name Dispute Resolution Policy (the “Supplemental Rules”).

In accordance with the Rules, paragraphs 2(a) and 4(a), the Center formally notified the Respondent of the Complaint, and the proceedings commenced on July 25, 2012. In accordance with the Rules, paragraph 5(a), the due date for Response was August 14, 2012. The Respondent did not submit any response. Accordingly, the Center notified the Respondent’s default on August 17, 2012.

The Center appointed Charné Le Roux as the sole panelist in this matter on August 24, 2012. The Panel finds that it was properly constituted. The Panel has submitted the Statement of Acceptance and Declaration of Impartiality and Independence, as required by the Center to ensure compliance with the Rules, paragraph 7.

4. Factual Background

The Complainant is a U.S. insurance company that has provided a broad range of insurance services since 1936. The type of insurance services that it offers include automobile and motorcycle insurance. The Complainant trades under the name “Geico” and has registered with the USPTO not only the mark GEICO, but also GEICO DIRECT and GEICO MOTORCYCLE, with the first registration dated January 1964. The Complainant registered the domain names <geicocreditcard.com> and <geicocreditcards.com> in January 2005 and June 2006 respectively. The Complainant has over 9 million customers and insures more than 16 million vehicles. It has over 24,000 employees and is the fastest growing auto-insurer in the U.S. The Complainant conducts its business from the website located at “www.geico.com”.

The Disputed Domain Name was registered on February 5, 2007. The website at the Disputed Domain Name resolves to “www.onlineautoinsurance.com” which is a website showing the names of different competing insurers. It offers direct links to them and a service whereby quotes for competing insurance products are provided.

5. Parties’ Contentions

A. Complainant

The Complainant submits that as the fastest growing auto-insurer in the U.S. it has made extensive use of its GEICO trade mark. It contends that it has provided insurance services since 1936 and that, as a consequence of the large sums that it invests to promote and develop its mark through television, print media and the Internet, the GEICO mark has become uniquely associated with it and its services. The Complainant advises that its registered trade marks include its first registration for GEICO in January 1964, with subsequent registrations for the marks GEICO DIRECT and GEICO MOTORCYCLE obtained in June 1987, June 1997, July 2002 and July 2007 respectively.

The Complainant advises that in and around 2006 and for a period of approximately four years, it had a GEICO branded credit card which it promoted through the domain names <geicocreditcard.com> and <geicocreditcards.com>

The Complainant contends that the Disputed Domain Name is confusingly similar to its GEICO trade mark. It submits that the misspelling of the trade mark GEICO as “gieco” in the Disputed Domain Name does not create any distinction with its trade mark. It also submits that the addition of the descriptive words “credit cards” to the word “gieco” should not negate a finding of confusing similarity. The Complainant argues that the Disputed Domain Name will create the impression with Internet users that the website attached to it is associated with the Complainant.

The Complainant contends that the Respondent lacks rights or legitimate interests in the Disputed Domain Name in that:

a) the Respondent has no affiliation with the Complainant and has not been authorized by it to use the Disputed Domain Name;

b) the Respondent has not been commonly known by the Disputed Domain Name;

c) the Respondent is only using the Disputed Domain Name to collect pay-per-click advertising revenue based upon an association with the Complainant and its widely recognized insurance services; and

d) the Respondent’s misappropriation of the Disputed Domain Name was no accident, because it is not a name that it would legitimately choose in connection with insurance services, unless it was seeking to create an impression of association with the Complainant.

The Complainant further submits that the Disputed Domain Name was registered and is being used in bad faith. It contends that its registration of the two domain names in connection with its GEICO credit card program in 2005 and 2007 was followed just months later, by the Respondent’s registration of the Disputed Domain Name. The Complainant argues that this is a clear indication that the Respondent only registered and uses the Disputed Domain Name to derive a benefit from the Complainant’s credit card program.

The Complainant submits that the Respondent registered the Disputed Domain with knowledge of its rights in the GEICO trade marks and that it was inconceivable that it could not have been aware of these rights, since the Complainant engages in extensive advertising, including television advertising, featuring its name and mark throughout the U.S. The Complainant argues that a simple Internet search would have revealed the Complainant’s use of the GEICO marks to identify its services and that the Respondent had constructive notice of the Complainant’s trade mark rights.

As a further indication of the Respondent’s bad faith, the Complainant refers to the links on the website attached to the Disputed Domain Name to websites offering competing services with that of the Complainant.

The Complainant requests that the Disputed Domain Name be transferred to it.

B. Respondent

The Respondent has not responded to the Complaint.

6. Discussion and Findings

In accordance with paragraph 4(a) of the Policy, in order to succeed in the proceeding, the Complainant must prove on a balance of probabilities:

i) That the Disputed Domain Name is identical of confusingly similar to a mark in which it has rights;

ii) That the Respondent has no rights or legitimate interests in respect of the Disputed Domain Name;

iii) That the Disputed Domain Name has been registered and is being used in bad faith.

A. Identical or Confusingly Similar

The Panel finds on the evidence that the Complainant owns both common law and registered rights in the trade marks GEICO, GEICO DIRECT and GEICO MOTORCYCLE and uses the domain names <geicocreditcard.com> and <geicocreditcards.com>.

The GEICO trade mark used by the Complainant is recognizable within the Disputed Domain Name and the addition of the descriptive words “credit cards” is unlikely to prevent user confusion. In fact, the Disputed Domain Name is so close in pronunciation to the Complainant’s <geicocreditcards.com> domain name, that any Internet users who seek the Complainant’s goods or services on the world wide web will likely be confused.

The Panel thus finds that the Disputed Domain Name is confusingly similar to the Complainant’s GEICO mark.

The first requirement of paragraph 4(a) of the Policy is therefore satisfied.

B. Rights or Legitimate Interests

The Panel considers that the Respondent’s use of the Disputed Domain Name is not in connection with the bona fide offering of goods and services, such as to confer on the Respondent rights or legitimate interests for the purposes of the Policy.

In terms of the Policy, once the Complainant has made a prima facia case that the Respondent lacks rights or legitimate interests, the Respondent has to come forward with sufficient allegations or evidence demonstrating rights or legitimate interests in the Disputed Domain Name. The Respondent has not filed a response and does not offer any explanation for its selection of the Disputed Domain Name.

Furthermore, the Respondent used the Disputed Domain Name for a website with links to competing insurance services, no doubt with the intention to generate an income from it. While the use of a domain name to generate advertising revenue is not in itself indicative of a lack of a legitimate interest, the fact that the links associated with the website attached to the Disputed Domain Name are based on the trade mark value of the Complainant’s trade mark, negates the legitimacy of the said activity. See WIPO Overview of WIPO Panel Views on Selected UDRP Questions, Second Edition (“WIPO Overview 2.0”) in connection with the Disputed Domain Names.

The second requirement of paragraph 4(a) of the Policy is satisfied.

C. Registered and Used in Bad Faith

The extent of the Complainant’s extensive trading and promotional activities, prior to the registration of the Disputed Domain Name in February 2007, its domain name and trade marks for GEICO are not in dispute and these could surely not have gone unnoticed by the Respondent. Its selection of a domain name that is confusingly similar to the Complainant’s GEICO trade mark and its use of the Disputed Domain Name in connection with a website offering services that directly compete with that of the Complainant, begs question. So does the fact that it registered the Disputed Domain Name very shortly after the launch of the Complainant’s GEICO credit card program.

The Panel finds that the Complainant has made out a case as required in terms of the UDRP, which the Respondent has not answered. Taking all the undisputed facts into consideration, the Panel is persuaded that the Respondent registered and is using the Disputed Domain Name intentionally to attract Internet users to his website by creating the likelihood of confusion with the Complainant’s trade mark as to the source and affiliation of the Respondent’s website. The Panel finds that the Respondent registered and is using the Disputed Domain Name in bad faith.

The third requirement of paragraph 4(a) of the Policy has been met.

7. Decision

For the foregoing reasons, in accordance with paragraphs 4(i) of the Policy and 15 of the Rules, the Panel orders that the Disputed Domain Name <giecocreditcards.com> be transferred to the Complainant.

Charné Le Roux
Sole Panelist
Dated: September 4, 2012