Legal

Conditions of Use and Regulatory Information

1. Conditions of Use

Please read the following information carefully as it shall govern your use of these web pages.

By using this site you hereby agree to these conditions of use in force at the time.

If you apply for any product or service detailed on the site, these Conditions of Use should be read in conjunction with any additional terms and conditions relating to that product or service and, in the event of any contradiction between these Conditions of use and the specific product of service terms and conditions, the latter shall prevail.

The information and descriptions on the site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

For more information on the specific terms and conditions of use applying to each product, and information on data protection including the use of your personal information, please click below:

  1. Sheilas' Wheels Car Insurance
  2. Sheilas' Wheels Home Insurance
  3. Sheilas' Wheels Travel Insurance
     
Definitions

On this site "esure" and "we" mean: the members of the esure Group of companies. "You" and "my" means the user of this site.

This site is for private individuals only

The information on this site is directed at residents of England, Scotland, Wales and the Isle of Man only. Unfortunately we are unable to insure cars and homes in Northern Ireland and the Channel Islands. The services described in this site are available to private individuals for their use only. You are not permitted to use this site or to copy any material from the site for any commercial purpose.We explain how we use the information you give to us in Privacy and Security. That section forms part of these terms and conditions. The terms and conditions that apply to Sheilas' Wheels insurance policies are set out in the policy. You must ensure that the details you give to us while using this site are correct.

Printing, copying and saving

You may copy for your own personal use any part of the site but otherwise you aren't allowed to copy parts or all of this site (either on paper or by copying to disk). If you want to retrieve a quote and, for your quote to remain valid for 30 days, then you must save it.

Our Intellectual property rights

The owner of this site is esure Services Limited. The copyright and other Intellectual Property Rights in this site are owned by esure Services Limited or by third parties that have given us permission to use them. You acknowledge that damages may not be an adequate remedy for any infringement of our Intellectual Property Rights and that we shall be entitled to the remedies of injunction, specific performance and other equitable relief for any threatened or actual breach of our Intellectual Property Rights by you and that no proof of special damages shall be necessary for the enforcement of these rights.

Availability and content of this site

Whilst we take care to ensure that the information contained in this website is accurate and up-to-date, Sheilas' Wheels gives you no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site.

We'll change the site content from time to time. If we do this, then your continued use of the site will be deemed to be acceptance of the change. However, we won't change the terms and conditions that apply to your policy during the term of your policy and we'll tell you before you renew your policy if any of the policy terms and conditions have changed.

You acknowledge that there are technical limitations which affect the performance and availability of the site and that conditions affecting transmission and communication links are mainly outside our control.

Sometimes this site will be temporarily unavailable because we are carrying out maintenance or updates. At these times, you can contact us by telephone on:
Car Insurance 0345 604 3550
Home Insurance 0345 604 4206
Travel Insurance 0345 604 3562
Subject to contact centre hours.

Links and third party information

This site contains links to sites operated by persons and/or companies outside Sheilas' Wheels. We provide these links for your assistance and information. We're not responsible for the availability or content of these third party sites and we're not responsible for any of the goods or services available from these sites.
This site may contain stories provided by the Press Association and marked ©PA Business 2008 and Copyright © Press Association 2009 ("the PA Material"). The PA Material may only be used for your personal use and the distribution or commercial exploitation of the PA Material is prohibited. Use of the PA Material is at your sole risk and neither esure nor the Press Association gives any warranty as to the accuracy of the PA Material.

Quotations and premiums

The quotations provided on this site are intended as an indication only of the likely premium based on the information you provide. They're not binding quotations. If you decide you want to buy a Sheilas' Wheels policy, then we'll ask you to confirm the information you've provided. If you fail to disclose any relevant information, or provide any inaccurate information, this may invalidate your insurance policy. If you don’t answer our questions fully and honestly, this could result in a claim being rejected or reduced, additional terms imposed or your policy voided. If you provide us with information about other people, then it is your responsibility to check that the information you provide is accurate and that the other people have given you permission to give their information to us.

When you complete the Payment Details section of the site, we'll treat this as your proposal of insurance. You're not insured until you receive confirmation from us that we've accepted your payment and proposal. The decision whether to offer you insurance from Sheilas' Wheels is at our discretion. When you take out motor, home and travel insurance with Sheilas' Wheels we'll make your schedule, policy booklet and, for motor insurance, your Certificate of Insurance available electronically. Additionally you can opt to receive these documents in the post. You should keep a copy of all information submitted to and/or received from us for your own records.

Jurisdiction

If you live in England or Wales, the courts of England and Wales will have exclusive jurisdiction to adjudicate on any dispute between us. If you live in Scotland, the courts of Scotland will have exclusive jurisdiction to adjudicate on any dispute between us.

 

2. Compensation arrangements

esure Services Limited (t/a Sheilas’ Wheels), esure Insurance Limited, AXA Insurance PLC, Brit Insurance Limited, UK Insurance Limited, DAS Legal Expenses Insurance Company, and Great Lakes Reinsurance (UK) PLC are all covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that any firm providing insurance goes out of business or into liquidation, you may be entitled to compensation from the scheme.

Generally the FSCS may arrange to transfer a policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation. Further information about compensation scheme arrangements is available from the FSCS at 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN. Tel: 020 7892 7300 or www.fscs.org.uk

3. Companies operating on this site

This site is owned and operated by esure Services Limited (trading as Sheilas’ Wheels) registered in England and Wales number 2135610 whose registered office is at:
The Observatory
Reigate
Surrey
RH2 0SG
Authorised & Regulated by the Financial Conduct Authority number 312063

Sheilas’ Wheels Car Insurance is arranged and administered by esure Services Limited and underwritten by esure Insurance Limited registered in England and Wales number 3885534 whose registered office is at:
The Observatory
Reigate
Surrey
RH2 0SG
esure Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, number 203350

Green Flag is a trading name of UK Insurance Limited, the underwriter of the Breakdown cover. UK Insurance Limited is registered in England and Wales number 01179980 and whose registered office is at:
The Wharf
Neville Street
Leeds
LS1 4AZ
UK Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, number 202810

Sheilas’ Wheels Home Insurance is arranged and administered by esure Services Limited and underwritten by esure Insurance Limited registered in England and Wales number 3885534 whose registered office is at:
The Observatory
Reigate
Surrey
RH2 0SG
esure Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, number 203350

Family Legal Protection and Home Emergency and Pest Cover is underwritten and administered by DAS Legal Expenses Insurance Company registered in England and Wales number 00103274 whose registered office is at:
DAS House
Quayside
Temple Bath
Bristol
BS1 6NH
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, number 202106

Annual Travel Insurance (Home Optional Extra) is administered by FirstAssist Insurance Services , which is a trading name of Cigna Insurance Services (Europe) Limited, and is underwritten by Cigna Europe Insurance Company S.A.-N.V.. Cigna Insurance Services (Europe) Limited is registered in England and Wales number 4617110 at:
Chancery House
St Nicholas Way
Sutton
Surrey
SM1 1JB
Authorised and regulated by the Financial Conduct Authority, number 310671.

Sheilas' Wheels is a trading name of esure Services Limited. esure Services Limited and Cigna Insurance Services (Europe) Limited are not members of the same group. Cigna Insurance Services (Europe) Limited is a subsidiary of Cigna Europe Insurance Company S.A.-N.V. CIGNA Europe Insurance Company S.A.-N.V., is registered in Belgium with limited liability (Brussels trade register no. 0474624562), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection.

Sheilas’ Wheels Travel Insurance is arranged and administered by Cigna Insurance Services (Europe) Limited. Sheilas’ Wheels is a trading name of esure Services Limited. esure Services Limited act as an Introducer to Cigna Insurance Services (Europe) Limited.
Cigna Insurance Services (Europe) Limited is registered in England & Wales (Company No.4617110). Registered Office:
Chancery House
St Nicholas Way
Sutton
Surrey
SM1 1JB
Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority, register number 310671. esure Services Limited and Cigna Insurance Services (Europe) Limited are not part of the same group.

This policy is underwritten by Cigna Europe Insurance Company S.A.-N.V., UK Branch, Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. Registered in Belgium with limited liability (Brussels trade register no. 0474624562), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection and subject to limited regulation by the Financial Conduct Authority. Details of the extent of their regulation by the Financial Conduct Authority are available on request. esure Services Limited and Cigna Europe Insurance Company S.A.-N.V are not part of the same group.

You can check the above details on the Financial Services Register by visiting the FCA website or by calling them on 0800 111 6788.

4. The esure Group of companies

The esure Group of companies is formed by subsidiaries of esure Group plc, which at the moment include:

esure Group plc
esure Finance Limited
esure Holdings Limited
esure Services Limited
esure Insurance Limited
esure broker Limited

Those companies use the following trading names:

esure
Sheilas’ Wheels
esure broker
Sheilas’ Wheels Broker
Sheilas’ Wheels Broker Model Driver
First Alternative
Sainsbury's Car Insurance