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
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 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.
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:
|Cover benefits||Third party, fire and theft||Comprehensive|
|Fire and theft||✓||✓|
|Courtesy car 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.
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.
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