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
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
esure provides car insurance only from esure Insurance Ltd, which is authorised and regulated by the Financial Conduct Authority.
esure doesn’t offer third party cover on its own – the lowest level of cover it offers is 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.
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.
esure offers add-ons to boost your cover, including:
|Product Name||esure Third Party, Fire and Theft||esure Comprehensive|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident cover||✓|
|Liabilities to third parties||✓||✓|
|Using the car abroad||✓||✓|
|Alternative travel costs||✓|
|No claims discount||✓|
Cover arranged through esure is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
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.
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.
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).
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.
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