esure

esure car insurance review

Comprehensive car insurance from esure includes a range of benefits as standard, and multi-car cover gets you a decent discount. Find out what else is covered and compare policy options.

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Liz Edwards

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All esure’s comprehensive policies come with a courtesy car and a five-year guarantee on repairs done through its network. Plus, you can get a 10% discount if you take out a multi-car policy. We’ve compared the details of what’s covered in our in-depth review.

Compare esure’s policies

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Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
esure Comprehensive
esure Comprehensive
Optional extra
esure Third Party, Fire and Theft
esure Third Party, Fire and Theft
N/A
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Who is esure?

esure was set up in 2000 and has sold more than than 2 million insurance policies to UK drivers. It offers car, travel and home insurance policies. Customers select cover based on their age, location, car make and cover level.

esure is a trading style of esure Services Ltd, part of esure Group plc.

Who underwrites the car insurance from esure?

esure provides car insurance only from esure Insurance Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are esure’s levels of cover?

esure doesn’t offer third party cover on its own – the lowest level of cover it offers is third party, fire and theft.

Third party, fire and theft

You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.

Comprehensive

This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.

Optional extras

esure offers add-ons to boost your cover, including:

  • Motor legal protection
  • Breakdown cover
  • Car hire cover
  • Personal injury cover
  • Key cover
  • Mis-fuel cover
  • No-claims bonus protection

What types of car insurance are available?

  • MultiCar insurance. If esure already insures your car, you or your spouse could get up to 10% off insurance for other cars registered to your address.

What is covered under my esure policy?

Product Nameesure Third Party, Fire and Theftesure Comprehensive
Damage to your car✓
Damaged windscreen and window glass✓
Fire and theft✓✓
Personal accident cover✓
Medical expenses✓
Personal belongings✓
Liabilities to third parties✓✓
Using the car abroad✓✓
Alternative travel costs✓
No claims discount✓
Check your policy carefully to ensure it covers everything you need it to cover.

General exclusions

Cover arranged through esure is likely to become invalid if any of the following arises:

  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • Your car is being driven by an unnamed driver on your policy or by a person who does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through esure

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
  • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How do I make a claim?

esure has a claims helpline: 0345 603 7872. Lines are open Monday – Friday, 8am – 8pm, and Saturday 9am – 5pm. Outside of these hours, you will need to call the esure accident recovery line on 0800 085 8533. This is a 24-hour line open 7 days a week.

You’ll need to have your insurance policy details as well as all facts about the incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

esure car insurance customer reviews

On customer review platform Trustpilot, esure has 3.6 out of 5 stars and a rating of “Average”, based on more than 9,200 reviews.

On similar platform, Reviews.io, the company has 3.7 out of 5 stars, based on more than 1,300 reviews. 68% of customers say they would recommend the service.

Customers report affordable premiums and an easy application process, but some complain of poor customer service (updated December 2020).

Pros and cons for esure car insurance

Pros

  • Affordable policies.
  • Courtesy car included as standard.
  • Five-year guarantee on approved repairs.

Cons

  • No 24/7 claims line (emergency helpline available out of operating hours).
  • No third party only policy.

Verdict

esure’s comprehensive policy provides a good level of cover for relatively affordable prices. However, some other providers include more benefits as standard in their cover.

There is no third party only policy on offer, and the third party, fire and theft policy is limited in what it includes.

If you’re looking for a decent policy for potentially cheaper premiums, this could be a good option for you. If you have read this review and decided that esure car insurance is not for you, you can also compare other car insurance policies on the market.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (June ’23). 51% of car insurance customers could save £488.46

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