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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