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 that 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, policy documents and/or conditions of purchase issued to you.

a. Definitions

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

b. 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. 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. You must ensure that the details you give to us while using this site are correct.

We explain how we use the information you give us in Privacy and Security. That section forms part of these terms and conditions.

c. 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.

d. 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.

e. 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, First Alternative gives you no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site.

We will 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 will not change the terms and conditions that apply to your policy during the term of your policy and we will 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 0345 607 0380 (office hours: Monday to Friday 8am - 8pm, Saturday 9am - 5pm and Sunday 9am - 2pm).

f. Links and Third Party Information

This site contains links to sites operated by persons and/or companies outside First Alternative. 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 those sites.

g. 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 First Alternative 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 not misleading and that the other people have given you permission to give their information to us.

New policyholders are entitled to discounts off the normal premium when they buy online. This discount cannot be used in conjunction with any other discounts.

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 have accepted your payment and proposal.

The decision whether to offer you insurance from First Alternative is at our discretion. When you take out insurance with First Alternative we'll make your schedule, policy booklet and 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.

h. Jurisdiction

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

2. Compensation arrangements

First Alternative Car Insurance is underwritten by esure Insurance Limited who is 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

3. Companies operating on this site

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

First Alternative 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
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

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The name, address and regulatory status can be checked by visiting the Financial Conduct Authority (FCA) website or by calling the FCA on 0800 111 6768.

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