We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Property and Casualty Insurance Company (herein referred to as "Esurance"). "You" and "your" refer to the named insured(s) identified in the Declarations Page ("Declarations Page"), and any spouse of the named insured who resides in the same household. "Insurance Policy Documents" collectively refers to your original application, this Agreement, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that, subject to applicable law, no coverage will be bound if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
If you have chosen to make the premium payments for your policy in installments, an installment fee will apply. The installment fee will apply to each installment payment. Unless the law in your state provides otherwise, this fee is not refundable. The current Installment fee that applies in your state is $3.00.
Late Payment Fee
When you have chosen an installment plan, a late payment fee will be applied to each installment payment that is not received by us on or before your premium payment due date. If you fail to pay your premium installment on time this fee will be applied and billed to you. Unless the law in your state provides otherwise, this fee is not refundable. The current Late Payment fee that applies in your state is $5.00.
When you request that we cancel your Motorcycle policy any time during the 6-month term, a one-time cancellation fee will apply. The fee will also be applied to your policy if it is cancelled due to your failure to pay your premium when it is due. This fee is not refundable and will be deducted from any premium refund due you. The current Cancellation fee in your state is $30.00.
Finance Company Notification Fee
This fee will only apply when the insured cycle is financed or leased. The fee will be applied to your policy on each insured cycle for which notice of coverage must be provided to a lienholder or loss payee. Unless the law in your state provides otherwise, this fee is not refundable. The current Finance Company Notification fee in your state is $3.00.
Paper Documents Fee
This fee will only apply to a policy if you have chosen to receive your policy and other documents in paper form via the United States Mail service. The fee will not be applied when you elect to receive all policy and other documents in an electronic format via electronic mail. Some documents and/or notices, where required by law, will be sent to you only via U.S. Mail. Unless the law in your state provides otherwise, this fee is not refundable. The current Paper Documents fee in your state is $25.00.
California Fraud Assessment Fee
A fraud assessment fee, as assessed by the State of California pursuant to California Insurance Code §1872, §1874.8 (AB 1050), and §1872.81 (SB 940), is charged for each insured cycle.
California Insurance Guarantee Assessment Fund
When assessed by the State of California, this fee will apply.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy. If a cancellation notice is generated, you may be charged a Cancellation Fee and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us, we order one or more reports provided by independent consumer reporting agencies. You previously authorized us to obtain these reports in relation to your policy and agreed that the authorization would remain valid until it is revoked in writing. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
FRAUDULENT INFORMATION STATEMENT
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to email@example.com.
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you have provided this consent to us previously, and have not withdrawn such consent, you will continue to receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the "Technical Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
By accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site.