Website FAQs

1. How secure is this site?

We believe that security is of the utmost importance to our customers, which is why we have what we believe are the most secure systems on the market.

We use the latest encryption technology, SSL or Secure Socket Layer, which protects your payment details and all your personal information. We're also registered with Norton Secured, a leading Internet Security Company. To verify the site security, click on the padlock at the bottom of the page in the quote process or click on the Norton Secured logo below, and this will immediately display our registration certificate. This is proof of our commitment to ensuring your security.

If you pay for your policy by credit card, then you'll also have the additional protection of the Consumer Credit Act. Your maximum liability on your credit card is £50 in the event that it is lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.

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2. Why do you conduct identity checks?

We conduct an identity search to verify your identity. This is one of our anti fraud processes to help keep your premium down.

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3. Are identity checks and credit scoring the same?

No. With the identity scoring process only a "soft footprint" will be left on your credit file, which means that this can only be seen by yourself and no-one else. Your credit score will not be affected by any identity check we carry out.

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4. What is 3D Secure, Verified by Visa & MasterCard SecureCode?

3D Secure is a security initiative which gives you enhanced protection when making payments online. 3D Secure includes two security programmes – “Verified by Visa” and “Mastercard SecureCode”.

Why do esure use it?

Like many online retailers, esure takes the privacy and security of its customer data and payment details very seriously. esure already employs a number of advanced fraud prevention and detection initiatives that are detailed in our Privacy and Security policy to protect your details while they are being entered into our systems, as well as during the administration of your policy. 3D Secure is a card payment industry initiative that is designed to prevent the fraudulent use of credit/ debit card details by requiring the person using the card to know an additional piece of information that is not physically present on the card. This helps reduce the potential for your card being used without your permission if it is lost or stolen. Additionally, this information cannot be “skimmed” from the card.

Verified by Visa / MasterCard SecureCode

These are security programmes created by the major card Suppliers (Visa and MasterCard). They allow you to create your own personal password/ PIN, known only to you, for use as an extra security measure each time you use your Visa or MasterCard (including Maestro) payment card to make a future payment online on a participating website.

How does it work?

You only need to register each card with Verified by Visa or MasterCard SecureCode once to create your password or PIN for your credit / debit card. Then whenever you make a payment online using your card on a participating site you will be asked to enter this password/ PIN as additional validation before the payment is confirmed.

What do I need to do to register?

To register for Verified by Visa or MasterCard SecureCode you need to register your card at the website of your card issuer, or during the purchase process on this website. After entering your card and personal details you will then be asked to create a personal password/ PIN which will be used to authenticate future payments made online with your card. The details you enter in this process will be submitted to your card issuer over a secure link; this information will not be held/viewed on any esure systems.

What if I am already registered?

If you have already registered you just need to enter your personal Visa or MasterCard SecureCode password/ PIN as instructed.

Which cards are checked for 3D Secure?

All major debit and credit cards, including Maestro are checked for participation within 3D Secure.

If I haven’t enrolled can I still make a payment?

Yes, you can. But you may not be protected against fraud if your card details are used without it being checked for 3D Secure (though other security checks will be performed on this website). esure is working hard with card providers to reduce the level of online fraud and we want all our customers to benefit from this increased level of protection.

Any other questions?

If you have any questions regarding 3D Secure please contact your card issuer, or use the links below:

http://www.visaeurope.com/personal/onlineshopping/verifiedbyvisa/main.jsp

http://www.mastercard.com/us/business/en/corporate/securecode/sc_popup.html

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5. How do you use cookies?

Cookies are small text files which are placed on your computer. We use sessional and persistent cookies to enhance the level of service we provide to you.

Please view the following page How do we use cookies to see all information regarding cookies and how we use them on our website.

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6. Geographic telephone numbers

esure uses non-geographical numbers as this is the most efficient way for us to handle and distribute incoming calls that may need to be handled in either our Manchester or Glasgow office depending on staff shifts and callers' requirements. Many telephone companies' calling plans are starting to recognise the need to treat 0845 numbers in the same way as geographical numbers, so that they don't incur a cost to people with inclusive call packages. This will help to ensure that people who do not pay for geographical calls don't incur a cost when calling us. In the meantime, we are able to accept calls on the following geographical numbers but please be aware that it may be slightly slower for us to route your call correctly.

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