Esure Motor Insurance Terms and Conditions

What is Esure Motor Insurance?

Esure Motor Insurance is a comprehensive motor insurance policy designed to provide protection for you and your vehicle from any losses or damages that may occur as a result of an accident or other unforeseen circumstances. Esure Motor Insurance offers a range of cover options, including cover for third party property damage, personal injury, legal costs and accidental damage. Esure Motor Insurance also covers the cost of replacing damaged or stolen items, such as audio and navigation equipment, up to the agreed value of the policy.

What is Covered by Esure Motor Insurance?

Esure Motor Insurance covers a range of losses and damages associated with your vehicle and your use of it. This includes cover for any third party property damage and personal injury, legal costs and accidental damage, as well as the cost of replacing damaged or stolen items, up to the agreed value of the policy. Esure Motor Insurance also offers optional extras, such as windscreen cover, breakdown cover and personal accident cover.

What is Not Covered by Esure Motor Insurance?

Esure Motor Insurance does not cover any losses or damages caused by: wilful or malicious acts; war or terrorism; nuclear accidents; or any losses or damages caused by any vehicles that are not insured with Esure. Additionally, Esure Motor Insurance does not cover any deliberate or reckless use of the vehicle, or any illegal activities relating to the use of the vehicle.

How Much Does Esure Motor Insurance Cost?

The cost of Esure Motor Insurance depends on a number of factors, including the type of cover required, the make and model of the vehicle, the driver’s age and driving experience, and the area in which the vehicle is used. Esure Motor Insurance also offers discounts for certain types of customers, such as students, over 50s and those with no-claims bonuses.

What is the Excess on Esure Motor Insurance?

The excess on Esure Motor Insurance is the amount of money that you are required to pay towards any claim. The amount of excess payable will vary depending on the type of cover required, the make and model of the vehicle and the driver’s age and driving experience. The excess is applied to each claim and is non-refundable.

What is the Claims Procedure for Esure Motor Insurance?

If you need to make a claim on your Esure Motor Insurance policy, you should contact the Esure Motor Insurance claims team as soon as possible. The claims team will be able to provide you with information about the claims process and the required documentation. You will also need to provide proof of damage or theft, such as photos or reports from a qualified mechanic or engineer. Once all the required information has been provided, the Esure Motor Insurance claims team will assess the claim and advise you of the next steps.