Legal

1. TERMS AND CONDITIONS OF USE

You should read the following information carefully, as it governs your use of this website. By using this website, you agree to the conditions set out on this page.

Product specific terms and conditions will apply to any products and/or services which you buy on this website. We’ll bring these to your attention when you browse and apply for our insurance products and/or services.

We urge you to check this page from time to time as we may make changes. If we do this, your continued use of the website is deemed to be acceptance of those changes.

2. DEFINITIONS:

The following definitions apply on this page:

"esure" "we" and/or “us” means one or more of the companies trading under esure, Sheilas’ Wheels and/or First Alternative.

"you" and/or “your” means the user of this website.

3. THIS WEBSITE IS FOR YOUR PERSONAL USE ONLY

This website is for your personal use only and is directed at residents of England, Scotland and Wales.

You must not use this website for any commercial purpose and you must not intentionally cause interruption (or any other harm) to this website.

4. PRIVACY AND COOKIES

By using this website, you agree to our privacy policy which can be found here and our cookies policies which can be found here.

5. OUR INTELLECTUAL PROPERTY RIGHTS

We own this website. We have the rights to use all copyright, design rights and/or any other intellectual property rights relating to it.

You may:

• Copy parts of our website for your own personal use.
• Post a link to this website on other web pages; however, you must not damage or take advantage of our reputation or suggest any form of association with us (unless you’ve obtained our prior approval to do so).

You must:

• Promptly remove any link to our website which is on other web pages if we ask you to do so.
• Not copy any material from our website for any commercial purpose.
• Not breach our intellectual property rights. We may seek multiple remedies (including damages) if you do.

This website may contain links to websites operated and/or owned by persons and/or companies outside of the esure Group of companies. We provide these links for your assistance and information only. We’re not responsible for the availability of or content on any third-party websites, or for the goods or services available on them.

6. AVAILABILITY OF AND CONTENT ON THIS WEBSITE

This website doesn’t give any financial or other advice.

You must not rely solely on the information provided on this website to decide if our products and/or services are right for you.

If you buy a policy from this website, you must read all policy documentation and/or terms and conditions relating to that policy before proceeding with the purchase.

We’ll make an effort to keep this website available for your use. However, we have the right to suspend access or withdraw this website entirely, temporarily, or permanently without any prior notice.

While we take care to ensure this website is correct and up to date, we can’t guarantee that everything you find is always accurate, complete or reliable. We can’t confirm the suitability of any information provided.

7. LIABILITY

We’re not liable for any losses and/or damages resulting from the use of this website or its information.

We’re not liable for any viruses or technical difficulties which may affect your computer or equipment caused by using this website.

8. GOVERNING LAW AND JURISDICTION

This website is governed by the laws of England and Wales. If there’s a legal dispute, it’ll be handled by the English Courts.

If any of the conditions on this website are deemed to be unlawful, void or unenforceable then that particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

 

REGULATORY INFORMATION

1. THE ESURE GROUP

The principal trading companies of esure are:

• esure Group PLC company number 07064312
• esure Services Limited company number 02135610
• esure Insurance Limited company number 03885534

These companies are all registered in England and Wales. The registered office is:
The Observatory, Reigate, Surrey, RH2 0SG.

The trading names are: esure, Sheilas’ Wheels and First Alternative.

You can find out more about the esure Group on the corporate website here:
https://www.esuregroup.com/

2. ABOUT US

This website is owned and operated by esure Services Limited, which is authorised and regulated by the Financial Conduct Authority (reference number 312063).

The following insurance products are arranged and administered by esure Services Limited and underwritten by esure Insurance Limited: esure Car Insurance, esure Flex Car Insurance, esure Home Insurance, esure Flex Home Insurance, Sheilas’ Wheels Car Insurance, Sheilas’ Wheels Home Insurance and First Alternative Car Insurance.

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

Breakdown cover is provided by RAC Motoring Services a company registered in England with company number 01424399, and RAC Insurance Ltd, a company registered in England with company number 2355834. The registered office for both is RAC House, Brockhurst Crescent, Walsall, WS5 4AW.

RAC Motoring Services is authorised and regulated by the Financial Conduct Authority (reference number 310208) in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (reference number 202737).

Family Legal Protection is administered by Arc Legal Assistance Limited, a company registered in England and Wales with company number 04672894, whose registered office is The Gatehouse, Lodge Lane, Langham, Colchester, Essex, CO4 5NE. It is underwritten by AmTrust Europe Limited, a company registered in England and Wales with company number 01229676, whose registered office is Market Square House, St. James's Street, Nottingham, NG1 6FG.

Arc Legal Assistance Limited is authorised and regulated by the Financial Conduct Authority (reference number 305958).

AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 202189).

Home Emergency and Pest Optional Extras (these are optional extras in relation to the home policies we sell) are administered by AXA Assistance (U.K.) Limited, a company registered in England and Wales with company number 02638890, whose registered office is The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR. It is underwritten by Inter Partner Assistance SA (UK Branch) whose registered office is also at The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR. Inter Partner Assistance SA (UK Branch) is a branch of Inter Partner Assistance S.A., a Belgian firm authorised under the National Bank of Belgium under registered number 0487.

AXA Assistance (U.K.) Limited is authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 439069).

Inter Partner Assistance SA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 202664).

Esure Travel Insurance and Sheilas’ Wheels Travel Insurance are sold and administered by Hood Travel Limited, a company registered in England and Wales with company number 08318836, whose registered office is 2nd Floor, Dencora Court, Tylers Avenue, Southend-On-Sea, SS1 2BB.

Hood Travel Limited is authorised and regulated by the Financial Conduct Authority for Financial Services (reference number 597211).

Primary travel insurance is underwritten by ERGO Travel Insurance Services Ltd (ETI), a company registered in England and Wales with company number 11091555, whose registered office is at 10 Fenchurch Avenue, London, EC3M 5BN. ETI is authorised and regulated by the Financial Conduct Authority (reference number 805870).

Sections 1-15 and 17 of esure Travel Insurance and Sheilas’ Wheels Travel Insurance are underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of AWP Assistance UK Ltd, 102 George Street, Croydon CR9 6HD. AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority (reference number 311909).

AWP P&C SA is authorised in France and the United Kingdom and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority.

Allianz Global Assistance acts as an agent for AWP P&C SA for the receipt of customer money, settling claims and handling premium refunds.

Hood Travel Limited acts as an agent for AWP P&C SA for the receipt of customer money and handling premium refunds.

Section 16 of esure Travel Insurance and Sheilas’ Wheels Travel Insurance is underwritten by certain underwriters at Lloyd’s and is administered by International Passenger Protection Limited (“IPPL”), IPP House, 22-26 Station Road, West Wickham, BR4 0PR United Kingdom. IPPL and certain underwriters at Lloyd’s are authorised and regulated by the Financial Conduct Authority. The FCA reference for IPPL is 311958.

You can check the above details by visiting the FCA’s website or by calling them on 0800 111 6768, or by visiting the PRA’s website.

 

COMPENSATION ARRANGEMENTS

In the unlikely event that any firm providing insurance goes out of business or is placed into liquidation, the Financial Services Compensation Scheme (FSCS) may arrange to transfer an existing policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation to you.

Further information about compensation scheme arrangements is available from the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU. Tel: 0800 678 1100 or 020 7741 4100 or visit www.fscs.org.uk.

Last updated May 2024