Esure Home Insurance

Contents

No claim discount
Our no claim discount is as follows:
If your no claim discount is not protected:
No claim discount not protected - Your no claim discount increases for each year you remain claim free.

 No claim  1 claim in  2 claims in  3 or more
 Discount  1 period of  1 period of  claims in 1
 years/%  insurance  insurance  period of
          insurance
 0/0   0   0   0
 1/10   0   0   0
 2/15   10   0   0
 3/25   15   10   0
 4/30   25   15   0
 5/40   30   25   0
 6/41   40   30   0
 7/42   41   40   0
 8/43   42   41   0
 9/44   43   42   0
 10/45   44   43   0


If you have chosen, at renewal, to protect your no claim discount:
NCD protected - Once you reach 5 years no claim discount, provided you have not made a claim in the last 12 months, you will have the option to protect your no claim discount for an additional premium. This can only be added on your renewal date.
If you make a claim we will reduce your no claim discount at your renewal date in line with the following scale:
 No claim  1 claim in  2 claims in  3 or more
 discount  1 period of  1 period of  claims in 1
 years/%  insurance  insurance  period of
          insurance
 5/40 (P)   40   30   0
 6/41   41   40   0
 7/42   42   41   0
 8/43   43   42   0
 9/44   44   43   0
 10/45   45   44   0

General conditions which apply to Parts A to D
Cancelling your policy
a) If you are dissatisfied with the cover provided by your policy, you have 14 days to cancel from the date you receive your documents if you are a new customer, or from your renewal date if you are an existing customer. As long as no incidents have arisen which could result in a claim under your policy, we will refund the premium you have paid. If any incidents have arisen, we will refund the premium you have paid less a pro-rata charge for the time you have been on cover. If you do not exercise your right to cancel during the 14 day period, your policy will continue as normal.
b) We have the right to cancel your policy at any time by giving you seven days notice in writing. We will send our letter to the latest address we have for you.
c) If you are paying by instalments and you miss a payment, we may cancel your policy. We will give you seven days notice in writing before we do this as set out in paragraph (b) above. You will still have to pay any outstanding premium and any administration fees due to us and we may take any outstanding premium and any administration fees due to us from any claim payment we make to you.
d) If you decide to cancel after the initial 14 day period, you must contact us before the cancellation date either in writing or by telephone. Should you wish to cancel your policy on that same day, you must contact us by telephone.
If we decide to cancel your policy or you decide to cancel your policy after the initial 14 day period, we will refund your premiums as follows: -
- If you cancel your policy before the first renewal date, we will refund the part of your premium which you have not yet used less an administration fee to take account of our costs in providing your policy.
This fee may change from time to time. We will tell you if it changes.
If the amount of premium you have paid and not yet used is less than the administration fee you must pay us the difference. If a claim has been made, we will cancel your cover but will not refund any of your premium and if you are paying by instalments, you must still pay us the balance of your full annual premium.
- If you cancel your policy after the first renewal date, we will refund the part of your premium which you have not yet used less an administration fee of £6.00. This fee may change from time to time. We will tell you if it changes.
If the amount of premium you have paid and not yet used is less than the administration fee you must pay us the difference. If a claim has been made, we will cancel your cover but will not refund any of your premium and if you are paying by instalments, you must still pay us the balance of your full annual premium.

When the number of bedrooms in your home exceeds 5, Esure are unable to offer an online quotation.
You are therefore required to contact the centre on 0845 603 7873 during office hours.

Contents - making a claim
It is important that you read the general conditions and exclusions which apply to Parts A to D of your policy. We will not pay the combined amount of contents excesses, shown in your latest Schedule that apply to Part B of your policy. If your contents are lost or damaged in any of the circumstances explained in Part B,
Sections 1 to 20 of your policy, we can choose to:
pay the cost of repairs;
arrange for repairs;
give you an equivalent replacement;
pay you cash based on the cost of an equivalent replacement.
We will not pay for the cost of altering or replacing any items or parts of items which are not lost or damaged and which form part of a set, suite or other article of the same type, colour or design. The sum insured should represent the full replacement value. If the sum insured is less than this, you may not be properly covered and we may reject or reduce any claim you make or your contract may be invalid and we may even treat you as being uninsured. If we choose to reduce the claim we will only pay a proportion of the loss.

PART B
Contents
This part of your policy only applies if you have chosen to insure your contents and the words 'standard' or 'AD/AL' appear in your latest Schedule.
It is important that you read the general conditions and exclusions which apply to Parts A to D of your policy.

Section 14
Credit, debit, charge, cheque or cash cards
We will insure your household up to the policy limit, shown in your latest Schedule for all sums which they must pay under the terms of any credit, debit, charge, cheque or cash card which is only used for domestic purposes and which is lost and then used by an unauthorised person in the United Kingdom, the Republic of Ireland or Europe.
Exclusions:
- Liability resulting from a lost card which you did not report to the police and the organisation which gave you the card within 24 hours of discovering you had lost it.
- Liability which happens if you break the terms and conditions of the organisation which gave you the card.
- Liability if anyone related to you uses your card fraudulently.
- Liability more specifically insured under any other policy.

PART B
Contents
This part of your policy only applies if you have chosen to insure your contents and the words 'standard' or 'AD/AL' appear in your latest Schedule.
It is important that you read the general conditions and exclusions which apply to Parts A to D of your policy.

Section 16
Freezer and refrigerator contents
We will pay up to the policy limit, as shown in your latest Schedule, if the contents of your freezer or refrigerator are spoiled by:
- the accidental failure of the freezing unit
- fumes from your freezer or refrigerator; or
- accidental failure or the electricity or gas supply not caused by the deliberate act of the supplier.
Exclusions:
We will not pay for the following:
1. Loss or damage caused by:
- vermin, insects (unless they cause failure of the freezing unit, or the electricity or gas supply), or mildew
- any process of cleaning, repair or alteration
- freezers or refrigerators breaking down if they are more than ten years old.
2. Loss or damage to:
- the contents of freezers or refrigerators not in a building forming part of your home
- any item held totally or partly for business purposes or in connection with any employment
- the contents of freezers or refrigerators where the plug has been accidentally removed or the appliance has been switched off in error
- the contents of freezers or refrigerators if the house is unfurnished or unoccupied.

PART B
Contents
This part of your policy only applies if you have chosen to insure your contents and the words 'standard' or 'AD/AL' appear in your latest Schedule.
It is important that you read the general conditions and exclusions which apply to Parts A to D of your policy.

Section 16
Freezer and refrigerator contents
We will pay up to the policy limit, as shown in your latest Schedule, if the contents of your freezer or refrigerator are spoiled by:
- the accidental failure of the freezing unit
- fumes from your freezer or refrigerator; or
- accidental failure or the electricity or gas supply not caused by the deliberate act of the supplier.
Exclusions:
We will not pay for the following:
1. Loss or damage caused by:
- vermin, insects (unless they cause failure of the freezing unit, or the electricity or gas supply), or mildew
- any process of cleaning, repair or alteration
- freezers or refrigerators breaking down if they are more than ten years old.
2. Loss or damage to:
- the contents of freezers or refrigerators not in a building forming part of your home
- any item held totally or partly for business purposes or in connection with any employment
- the contents of freezers or refrigerators where the plug has been accidentally removed or the appliance has been switched off in error
- the contents of freezers or refrigerators if the house is unfurnished or unoccupied.

Part F Home emergency (optional extra)
Provides you with access to approved contractors, day or night, 365 days a year if a sudden unforeseen home emergency occurs such as damage to your roof, blocked drains, failure of your domestic power supply or the failure of your main heating system, which requires immediate corrective action to:
prevent damage or further damage to your home; or
make your home safe or secure; or
alleviate unreasonable discomfort, risk or difficulty to any insured person
We will pay, for the call out charge and up to 2 hours labour and up to £100 (Inc VAT) for parts and materials, and subject to an overall limit of £500 (Inc VAT).
For home emergency claims, if youve bought this cover 0845 601 7624

Part F Home emergency (optional extra)
Provides you with access to approved contractors, day or night, 365 days a year if a sudden unforeseen home emergency occurs such as damage to your roof, blocked drains, failure of your domestic power supply or the failure of your main heating system, which requires immediate corrective action to:
prevent damage or further damage to your home; or
make your home safe or secure; or
alleviate unreasonable discomfort, risk or difficulty to any insured person
We will pay, for the call out charge and up to 2 hours labour and up to £100 (Inc VAT) for parts and materials, and subject to an overall limit of £500 (Inc VAT).

PART A
Buildings
Buildings - making a claim
It is important that you read the general conditions and exclusions which apply to Parts A to D of this policy.
We will not pay the combined amount of buildings excesses shown in your latest Schedule, that apply to Part A of your policy.
If your buildings are damaged in any of the circumstances explained in Part A, Sections 1 to 10 of your policy, we can choose to:
- pay the cost of work carried out to rebuild, replace or repair your buildings; or
- arrange for your buildings to be rebuilt, replaced or repaired.
If the repair or replacement to your buildings cannot be economically carried out, we will pay the difference between the market value of the buildings immediately before the loss or damage happened, and the market value of the buildings immediately after the loss or damage happened. However, this must not be more than the cost to rebuild or repair the buildings for any loss or damage as a result of any of the circumstances listed in Part A, Section 1.
We will not pay any extra cost for extending or improving your buildings once they are rebuilt as new.
We will not pay for any extra cost of altering or replacing any items or parts of items which are not lost or damaged and which form part of a set, suite or other article, of the same type, colour or design.
The sum insured should represent the full rebuilding value. If the sum insured is less than this, you may not be properly covered and we may reject or reduce any claim you make or your contract may be invalid and we may even treat you as being uninsured. If we choose to reduce the claim, we will only pay a proportion of the loss, which is determined by using the following fraction:
For example:
Sum insured    £125000
--------------------     --------------------  = 50% or 1/2
Rebuilding cost    £250000



PART B
Contents
Contents - making a claim
It is important that you read the general conditions and exclusions which apply to Parts A to D of your policy.
We will not pay the combined amount of contents excesses, shown in your latest Schedule that apply to Part B of your policy.
If your contents are lost or damaged in any of the circumstances explained in Part B, Sections 1 to 18 of your policy, we can choose to:
- pay the cost of repairs;
- arrange for repairs;
- give you an equivalent replacement;
- pay you cash based on the cost of an equivalent replacement.
We will not pay for the cost of altering or replacing any items or parts of items which are not lost or damaged and which form part of a set, suite or other article of the same type, colour or design.
The sum insured should represent the full replacement value. If the sum insured is less than this, you may not be properly covered and we may reject or reduce any claim you make or your contract may be invalid and we may even treat you as being uninsured. If we choose to reduce the claim we will only pay a proportion of the loss, which is determined by using the following fraction:
For example:  
Sum insured        £30000
-----------------------------       -----------  = 50% or 1/2
Total replacement cost       £60000

The most we will pay under this section:
- For household goods we will pay up to the sum insured for household goods as shown in your latest Schedule.
- For high risk items we will pay up to the sum insured for high risk items as shown in your latest Schedule.
- For loss or damage caused by theft or attempted theft from your domestic sheds, summer houses, greenhouses or garages we will pay up to the policy limit, shown in your latest Schedule.
- For money we will pay up to the policy limit shown in your latest Schedule.
- For any one pedal cycle, including accessories, we will pay up to the policy limit shown in your latest Schedule (unless a different amount is specified in your Schedule).
- For home entertainment equipment we will pay up to the sum insured for high risk items shown in your latest Schedule.



PART C
Personal possessions - making a claim
It is important that you read the general conditions and exclusions which apply to Parts A to D of this policy.
We will not pay for the combined amount of any excesses for contents shown in your latest Schedule.
If your personal possessions are lost or damaged in any of the circumstances explained in Part C, Sections 1 and 2 of your policy, we can choose to:
- pay the cost of repairs
- arrange for repairs
- give you an equivalent replacement
- pay you cash based on the cost of an equivalent replacement.
We will not pay for the cost of altering or replacing any items or parts of items which are not lost or damaged and which form part of a set, suite or other article of the same type, colour or design.
The sum insured should represent the full replacement value. If the sum insured is less than this, you may not be properly covered and we may reject or reduce and claim you make or your contract may be invalid and we may even treat you as being uninsured. If we choose to reduce the claim, we will only pay a proportion of the loss, which is determined using the following fraction:
For example :
Sum insured    £30000
------------------    --------------  = 50% or 1/2
Total replacement cost   £60000

The most we will pay under this section:
- For any single item, excluding pedal cycles, not specified in your latest Schedule - £1500.
- For any one pedal cycle, including accessories, we will pay up to the policy limit shown in your latest Schedule unless the pedal cycle is a specified item.
- The maximum sum insured as shown in your latest Schedule for personal possessions cover.
- For money we will pay up to the policy limit shown in your latest Schedule.


Specified items - making a claim
It is important that you read the general conditions and exclusions, which apply to Parts A to D of your policy.
We will not pay for the combined amount of any excesses for contents shown in your latest Schedule.
If your specified items are lost or damaged in any of the circumstances explained in Part D of your policy, we can choose to:
- pay the cost of repairs
- arrange for repairs
- give you an equivalent replacement
- pay you cash based on the cost of an equivalent replacement.
We will not pay for the cost of altering or replacing any items or parts of items which are not lost or damaged and which form part of a set, suite or other article of the same type, colour or design.
The sum insured should represent the full replacement value. If the sum insured is less than this, you may not be properly covered and we may reject or reduce any claim you make or your contract may be invalid and we may even treat you as being uninsured. If we choose to reduce the claim, we will only pay a proportion of the loss, which is determined by using the following fraction:
For example:
Sum insured     £30000
------------------------------    -----------  = 50% or 1/2
Total replacement cost    £60000

The most we will pay under this section:
- The sum insured for that specified item shown in your latest Schedule.

General conditions which apply to Parts A to D
Making a claim
You must tell us as soon as possible about any event which may result in a claim under this policy.
Do not admit responsibility or make an offer or promise to pay a claim against you without our permission in writing.
Tell the police as soon as possible about:
- all incidents of accidental loss, theft, attempted theft or vandalism, loss, damage or injury caused by malicious people.
We can do the following:
- defend or settle any legal action in your name, or in the name of any other person insured by this policy
- recover any payment we make under the policy to anyone else at our own expense and for our own benefit and we can do it in your name, or in the name of any other person insured by this policy
- ask you and any other person insured by this policy for all the information and help we need.
Your duty of care
You must keep your property in a good state of repair. An insurance policy does not cover the cost of maintaining your property.
You must do all that you reasonably can to prevent accidents, loss or damage.
Salvage
We can enter any building where there has been loss or damage and deal with
any salvage in a reasonable manner. However, you cannot just abandon property for us to deal with.
Your duty of disclosure
You have a duty to tell us as soon as possible about any change in the information you give us, including the sums insured and about any other new facts we should take into account when providing you with insurance. If you do not, your contract may be invalid and we may reject or reduce any claim you make, or even treat you as being uninsured.
We may charge an administration fee for making changes. This fee may change from time to time. We will tell you what the current fee is if you ask us.
We can change the terms of your policy at any time if we find out about something that you should have told us about which may affect the cover provided by your policy.
Sending us required information
You must send us every writ, summons, legal document or other letter about the claim as soon as you get it.
Dishonest claims
We will not pay any claim made under this policy if you or anyone acting for you knows it is dishonest or exaggerated in any way. If this happens, we will also cancel all cover immediately and are entitled to tell the police of any such dishonest claim.
Other insurances
If you make a claim under this policy and you were covered for the same loss, damage, or liability by any other insurance, we will only pay our share of the claim.
Cancelling your policy
a) If you are dissatisfied with the cover provided by your policy, you have 14 days to cancel from the date you receive your documents if you are a new customer, or from your renewal date if you are an existing customer. As long as no incidents have arisen which could result in a claim under your policy, we will refund the premium you have paid. If any incidents have arisen, we will refund the premium you have paid less a pro-rata charge for the time you have been on cover. If you do not exercise your right to cancel during the 14 day period, your policy will continue as normal.
b) We have the right to cancel your policy at any time by giving you seven days notice in writing. We will send our letter to the latest address we have for you.
c) If you are paying by instalments and you miss a payment, we may cancel your policy. We will give you seven days notice in writing before we do this as set out in paragraph (b) above. You will still have to pay any outstanding premium and any administration fees due to us and we may take any outstanding premium and any administration fees due to us from any claim payment we make to you.
d) If you decide to cancel after the initial 14 day period, you must contact us before the cancellation date either in writing or by telephone. Should you wish to cancel your policy on that same day, you must contact us by telephone.
If we decide to cancel your policy or you decide to cancel your policy after the initial 14 day period, we will refund your premiums as follows: -
- If you cancel your policy before the first renewal date, we will refund the part of your premium which you have not yet used less an administration fee to take account of our costs in providing your policy.
This fee may change from time to time. We will tell you if it changes.
If the amount of premium you have paid and not yet used is less than the administration fee you must pay us the difference. If a claim has been made, we will cancel your cover but will not refund any of your premium and if you are paying by instalments, you must still pay us the balance of your full annual premium.
- If you cancel your policy after the first renewal date, we will refund the part of your premium which you have not yet used less an administration fee of £6.00. This fee may change from time to time. We will tell you if it changes.
If the amount of premium you have paid and not yet used is less than the administration fee you must pay us the difference. If a claim has been made, we will cancel your cover but will not refund any of your premium and if you are paying by instalments, you must still pay us the balance of your full annual premium.
Changes to your policy
If you change your policy details or cover at any time during the cover period, we may charge an administration fee of £6.00. This fee may change from time to time. We will tell you if it changes.

General exclusions which apply to Parts A to D
War risks
This policy does not insure any consequence of:
- war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not) or civil war.
- mutiny, civil commotion assuming the proportions of, or amounting to, a popular rising, military rising, insurrection, revolution, or military or usurped power.
Sonic booms
This policy does not insure damage caused by pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds.
Radioactive contamination
This policy does not insure loss of, or damage to, any property or any consequential loss or any legal liability caused by any of the following:
- ionising radiations or contamination by radioactivity from any nuclear fuel or from any waste resulting from nuclear fuel burning or exploding
- the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear installation or equipment or part of it.
Consequential loss
This policy does not insure consequential loss of any kind incurred by your household.
Pollution or contamination
This policy does not insure any loss, damage or liability arising from pollution or contamination unless it is caused by:
- a sudden, unexpected and unidentifiable accident
- leakage of oil from any fixed heating installation or from any domestic appliance in your home.
Deliberate acts
This policy does not insure any loss or damage caused by acts which you or adult members of your household do on purpose.
Confiscation
This policy does not insure any loss or damage caused by items being confiscated or legally taken by customs officers or other officials.
Terrorism
This policy does not insure any loss or damage to property, cost or expense, legal liability and/or consequential loss directly or indirectly caused by terrorism.
Terrorism is defined as the use of biological, chemical and/or nuclear force or contamination by any person(s) whether acting alone or on behalf of or in connection with any organisation(s) or governments(s) committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put the public or any section of the public in fear.
Other exclusions
This policy does not insure loss of or damage arising from or consisting of the following:
- wear and tear or loss of value over time
- faulty workmanship, design or materials
- reduced value after it has been repaired or replaced
- a gradual operating cause
- the failure or inability of any equipment or any computer program to recognise or correctly to interpret or process any date as the true or correct date, or to continue to function correctly beyond that date. This shall not exclude any resulting loss or damage otherwise insured by this policy
- loss or corruption of computer software or data caused by computer viruses, malfunction, user error or where no adequate back-up copies have been kept
- damage of any item owned or used totally or partly for business purposes or connected with any employment (except property defined as office equipment).