esure Motor Insurance




 


Contents Summary of policy 1 Welcome to esure 7 Reporting a claim to us 7 Claims service 8 Our courtesy car service 8 What to do if you have an accident 9 You can help us to prevent a fraudulent claim being made against you 9 Windscreen care 10 Don’t let the criminal win 10 Is your vehicle at risk of being seized by the police? 10 Meaning of words and terms 11 Your policy 12 SECTION 1 Liability to other people and their property 13 SECTION 2 Damage to your car 15 SECTION 3 Fire and theft 16 SECTION 4 Windscreen damage 18 Exceptions which apply to Sections 2, 3 and 4 18 Conditions which apply to Sections 2, 3 and 4 19 SECTION 5 Additional benefits 20 SECTION 6 Territorial limits and use abroad 21 SECTION 7 No claim discount 22 Cancelling your policy and Optional Extras 23 General exceptions which apply to Sections 1 to 7 25 General conditions which apply to Sections 1 to 7 27 Endorsements which may apply to your policy 30 Features & benefits Significant exclusions or limitations Policy reference Comprehensive cover Legal Liability Unlimited legal liability cover for death or injury to other people and up to £20 million per event for damage to their property. Section 1 3 Driving other cars extension - (applicable to the policyholder only) Cover is limited to third party only and only applies as long as the car is not owned by you or hired or leased to you under a hire purchase or leasing agreement or hired or rented to you under a car hire or rental agreement. This cover only applies if: • the car has been manufactured for the carriage of up to eight people which is designed solely for private use and has not been designed, constructed or modified to carry goods. • there is no other insurance in force which covers the same claim • you have the owner’s permission to drive the car • the car is insured by the owner • the car is being driven in the United Kingdom, the Isle of Man or the Channel Islands • you still have your car and it has not been sold, written off or damaged beyond cost-effective repair. Your Schedule and Certificate of Motor Insurance will show if you have this cover. Section 1 See your Schedule, Certificate of Motor Insurance and renewal updates for terms and conditions and eligibility 1 Contents (continued) SECTION 8 Motoring legal protection 31 Exceptions which apply to motoring legal protection 35 Conditions which apply to motoring legal protection 36 SECTION 9 Breakdown assistance cover 38 Things that are not covered 41 Important things to know 43 Who we’ll share your information with 44 SECTION 10 Personal injury benefit 45 Exceptions which apply to personal injury benefit 48 Conditions which apply to personal injury benefit 49 SECTION 11 Car hire benefit 50 Exceptions which apply to car hire benefit 50 Conditions which apply to car hire benefit 51 SECTION 12 Key cover 52 Exceptions which apply to key cover 53 Conditions which apply to key cover 54 SECTION 13 Misfuelling cover 55 Exceptions which apply to misfuelling cover 56 Conditions which apply to misfuelling cover 56 SECTION 14 Excess protection 57 Exceptions which apply to excess protection 57 Conditions which apply to excess protection 58 Our complaints procedure 59 Important information 60 Summary of policy Please note this is a summary of your policy. Full details of the term








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