The idea for Esure.com was conceived in February 1999 by the founder and Chairman, Peter Wood. Peter kick-started the direct selling of insurance over the telephone in the UK back in 1985, when he launched Direct Line and reformed the way that insurance is bought and sold. With Esure.com, his aim was to further reduce the price of cover for the majority of good drivers and responsible homeowners - and to harness the power of the internet in doing so. The distinctive Esure.com motor insurance brand with its 'blue man' logo was launched in July 2001 with a ground-breaking policy of insuring only drivers with four years' no claim discount or more. The fact that Esure.com's no claim discount scale then continues to rise from 70% for five years' claim free driving up to 75% for a total of ten years without a claim proved a huge draw for responsible motorists who were previously offered no greater benefit for their good driving record. Esure.com home insurance, which offers its own enhanced no claim discount up to 45% was initially piloted in September 2001 and active marketing began in March 2002. In June 2002, Esure.com hit the headlines with the announcement of a policy of not offering home insurance to ground floor properties in areas that are not adequately protected against repeated flooding. The aim of the policy was to prevent homeowners in low risk areas paying - through their premiums - for floods that could be prevented and Esure.com has consistently called on the Government to improve defence arrangements in such areas. Esure.com launched a telephone and online travel insurance product in January 2003. Its benefits include some of the best medical, personal liability and baggage limits in the market, along with reduced prices for single parents who buy a family policy when compared with other policies where a family automatically includes two adults. Esure.com will provide a household insurance quote, provided you can fulfill the criteria outlined below: The home for which insurance is proposed: - is my main residence and owned by me
- is built of brick, stone or concrete
- has a roof built of slate, tile, asphalt or concrete
- is self contained having its own separate lockable front door
- is occupied solely by me, my family permanently living with me, or any joint named policyholder as permanent residence
- is used as a private residence and not as business premises
- is in a good state of repair and will be maintained in this state
- is not occupied as a holiday home
- is not a listed building
- is not regularly unoccupied throughout the night
- is not unoccupied for a period in excess of 30 consecutive days
- has never been damaged by flood
- has never been damaged by subsidence, heave or landslip
I or any member of my family living permanently with me or any joint named policyholder have not: - made more than one claim, suffered any loss or damage on home insurance within the last 3 years
- had any claim(s) made against us within the last 3 years
- had a burglary at the address being proposed for insurance within the last 3 years
- had home insurance cancelled, refused or renewal refused
- been asked to pay an increased premium (other than normal rating increases) or asked to accept any special conditions or had any special terms imposed
- been convicted of any offence involving dishonesty, fraud, violence, criminal damage, arson, drugs nor is any prosecution or police enquiry pending
- received a police caution in connection with an insurance policy/claim
- got one of the following occupations: actor, actress or presenter in films, stage, TV or radio; music or other performing arts; professional sportsperson including trainers and managers; non UK armed forces diplomatic staff; or connected with gaming, nightclubs, circuses, fairgrounds, amusements, street trading, scrap waste, second hand dealing, jewellery or antique dealing, licensed premises
Additional information can be found on the Esure.com Home Insurance website. (See the links above) | 
esure Home Insurance
