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Esure car insurance review

Read Which?'s expert review of Esure car insurance. Find out how we rate Esure's car insurance policy against 30 other providers. 

In this article
Esure car insurance overview Esure's car insurance policy: is it good or bad?
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Esure car insurance overview

Esure was founded in 2000 by Sir Peter Wood, who also launched Direct Line. It began trading on the London Stock Exchange in 2013 as esureGroup plc.

What you need to know about Esure's car insurance:

  • Recalibrarion of ADAS technology within vehicles is covered following accidental damage or windscreen claims.
  • Guaranteed courtesy car cover as standard
  • Unlimited cover for manufacturer-fitted audio equipment and sat navs

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Car Insurance
Esure review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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Esure's car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly, when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.  

Table last updated in January 2019. Next updated in January 2020.

Policy element Rating Details
Interest charged on payment by instalments (APR)

3 out of 5

No fault no claims discount (NCD) benefit?

5 out of 5

Uninsured driver NCD benefit?

5 out of 5

Renewal fee Logged out stars No fee
NCD protection claims (number per year) Logged out stars Unlimited
Theft of keys limit Logged out stars £500 as standard - £1,500 per year (optional)
Fire excess (standard compulsory) Logged out stars £100
Theft excess (standard compulsory) Logged out stars £250
Accidental damage excess (standard compulsory) Logged out stars £150-£750

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