Legal

Conditions of Use and Regulatory Information

1. Conditions of Use

The following information needs to be read carefully, as it governs your use of the esure website pages, by using the site you agree to the conditions in force at that time.

If you apply for any product or service detailed on this site, these Conditions of Use should be read at the same time as any additional terms and conditions of the product or service. If there is any contradiction between the Conditions of Use and the terms and conditions of the product or service, the terms and conditions of the product or service will be upheld.

This site does not necessarily contain complete descriptions of all terms, conditions, and exclusions. The precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

For more information on the specific terms and conditions applying to each product, and information on how your data is protected please click below:

  1. esure Car Insurance
  2. esure Home Insurance
  3. esure Travel Insurance
     

These Conditions of use apply to esure Motor, Home and Travel Insurance only. For further information click on the links below:

Definitions

On this site "esure" and "we" mean: the members of the esure Group of companies; and in relation to Travel Insurance FirstAssist Insurance Services. "You" and "my" mean the user of this site.

This site is for private individuals only

The information on this site is directed at residents of England, Scotland, Wales and the Isle of Man only. The services described on this site are available to private individuals for their use only. You are not permitted to use this site or to copy any material from the site for any commercial purpose. You must ensure that the details you give to us while using this site are correct.

Printing, copying and saving

You may copy for your own personal use any part of the site but otherwise you are not allowed to copy all, or parts of this site (either on paper or by copying to disk). If you want to retrieve a quote, and for your quote to remain valid for up to 30 days, then you must save it.

Our Intellectual Property Rights

The owner of this site is esure Services Limited. The copyright and other Intellectual Property Rights in this site are owned by esure Services Limited or by third parties that have given us permission to use them. You acknowledge that damages may not be an adequate remedy for any infringement of our Intellectual Property Rights and that we shall be entitled to the remedies of injunction, specific performance and other equitable relief for any threatened or actual breach of our Intellectual Property Rights by you, and that no proof of special damages shall be necessary for the enforcement of these rights.

Availability and content of this site

While we take care to ensure that the information contained in this website is accurate and up-to-date, esure gives you no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site.

We will change the site content occasionally. If we do this, then your continued use of the site will be deemed to be acceptance of the change. However, in relation to insurance products, we won't change the terms and conditions that apply to your policy during the term of your policy, and we'll tell you before you renew your policy if any of the policy terms and conditions have changed.

You acknowledge that there are technical limitations which affect the performance and availability of the site and that conditions affecting transmission and communication links are mainly outside our control.

Sometimes this site will be temporarily unavailable because we are carrying out maintenance or updates. At these times, you can contact us by telephone on: Car Insurance 0345 045 1000 Home Insurance 0345 045 8000 Travel Insurance 0345 600 3949 subject to contact centre hours.

Links and third party information

This site contains links to sites operated by persons and/or companies outside esure. We provide these links for your assistance and information.

We are not responsible for the availability or content of these third-party sites and we are not responsible for any of the goods or services available from these sites.

This site may contain stories provided by the Press Association and marked ©PA Business 2008 and Copyright © Press Association 2009 ("the PA Material"). The PA Material may only be used for your personal use and the distribution or commercial exploitation of the PA Material is prohibited. Use of the PA Material is at your sole risk and neither esure nor the Press Association gives any warranty as to the accuracy of the PA Material.

Quotations and Premiums

The quotations provided on this site are intended as an indication only of the likely premium based on the information you provide. They are not binding quotations. If you decide you want to buy an esure policy, then we'll ask you to confirm the information you've provided. If you fail to disclose any relevant information, or provide any inaccurate information, this may invalidate your insurance policy. If you do not answer our questions fully and honestly, this could result in a claim being rejected or reduced, additional terms imposed or your policy voided. If you provide us with information about other people, then it is your responsibility to check that the information you provide is accurate and that the other people have given you permission to give their information to us.

When you complete the Payment Details section of the site, we will treat this as your proposal of insurance. You are not insured until you receive confirmation from us that we have accepted your payment and proposal. The decision whether to offer you insurance from esure is at our discretion. When you take out motor, home and travel insurance with esure we will make your schedule, policy booklet and, for motor insurance, your Certificate of Insurance available electronically. Additionally, you can opt to receive these documents in the post. You should keep a copy of all information submitted to and/or received from us for your own records.

Jurisdiction

If you live in England or Wales, the courts of England and Wales will have exclusive jurisdiction to adjudicate on any dispute between us. If you live in Scotland, the courts of Scotland will have exclusive jurisdiction to adjudicate on any dispute between us.

2. Compensation Arrangements

esure Services Limited, esure Insurance Limited, Zenith Insurance Plc, UK Insurance Limited, DAS Legal Expenses Insurance Company, and Great Lakes Reinsurance (UK) Plc are all covered by the Financial Services Compensation Scheme (FSCS).

In the unlikely event that any firm providing insurance goes out of business or into liquidation, you may be entitled to compensation from the scheme. Generally the FSCS may arrange to transfer a policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation.

Further information about compensation scheme arrangements can be found at:

www.fscs.org.uk
Tel 020 7892 7300
FSCS at 7th floor Lloyds Chambers
Portsoken Street
London E1 8BN

3. Companies operating on this site

This site is owned and operated by esure Services Limited registered in England and Wales (number 2135610) whose registered office is at:

The Observatory
Reigate
Surrey RH2 0SG

Authorised and Regulated by the Financial Conduct Authority (number 312063)

esure Car Insurance is arranged and administered by esure Services Limited and underwritten by esure Insurance Limited registered in England and Wales (number 3885534) whose registered office is at:

The Observatory
Reigate
Surrey RH2 0SG

esure Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (number 203350)

Green Flag is a trading name of UK Insurance Limited, the underwriter of the Breakdown cover. UK Insurance Limited is registered in England and Wales (number 01179980) and whose registered office is at:

The Wharf
Neville Street
Leeds LS1 4AZ

UK Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (number 202810)

esure Home Insurance is arranged and administered by esure Services Limited and underwritten by esure Insurance Limited registered in England and Wales (number 3885534) whose registered office is at:

The Observatory
Reigate
Surrey RH2 0SG

esure Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (number 203350)

Family Legal Protection, Home Emergency and Pest Cover is underwritten and administered by DAS Legal Expenses Insurance Company registered in England and Wales (number 00103274) whose registered office is at:

DAS House
Quayside
Temple Bath
Bristol BS1 6NH

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (number 202106)

esure Travel Insurance is arranged and administered by Cigna Insurance Services (Europe) Limited. esure Services Limited act as an Introducer to Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is registered in England & Wales (number 4617110). Registered Office:

Chancery House
St Nicholas Way
Sutton
Surrey SM1 1JB

You can check the above details on the Financial Services Register by visiting the FCA website or by calling them on 0800 111 6768.

4. The esure Group of companies

The esure Group of companies is formed by subsidiaries of esure Group plc, which at the moment include:

  • esure Group plc
  • esure Finance Limited
  • esure Holdings Limited
  • esure Services Limited
  • esure Insurance Limited
  • esure broker Limited

Those companies use the following trading names:

  • esure
  • Sheilas’ Wheels
  • esure broker
  • Sheilas’ Wheels Broker
  • Sheilas’ Wheels Broker Model Driver
  • First Alternative
  • Sainsbury's Car Insurance