esure car insurance review

All esure's comprehensive policies come with a courtesy car and a five-year guarantee on repairs done through its network. Here’s what else you need to know.

Last updated:

esure Car Insurance

esure is a 5-star Defaqto-rated car insurer that offers a range of benefits as standard in its comprehensive policy, plus discounts with multi-car cover. We’ve covered the details in our in-depth comparison and review.

esure Comprehensive

esure car insurance

  • 24/7 accident helpline
  • Defaqto 5-star rated
  • Up to £100,000 in the event of death or serious injury, if you (or any named driver) are at fault, or up to £30,000 if not
Promoted

Compare esure’s policies

Updated October 15th, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
esure Third Party, Fire and Theft
esure Third Party, Fire and Theft
Up to 90 days
N/A
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance

Compare up to 4 providers

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, home and travel 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.

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?

Cover benefitsThird party, fire and theftComprehensive
Fire and theft
Accidental damage
Courtesy car cover
Windscreen cover
In-car entertainment cover
Cover for policyholder to drive other cars (subject to eligibility)

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.

Frequently asked questions


Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
Was this content helpful to you? No  Yes
Go to site