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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?

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

  • 'Unlimited' annual number of claims protected under No Claims Discount Protection
  • Guaranteed courtesy car cover as standard
  • High cancellation fee (£55)

Esure holds a mediocre 21st place in our table - hampered by a 56% Customer Score. The cover in its standard policy is a better-than-average 71%, though - just outside of the top ten insurers rated.

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Esure's car insurance policy: is it good or bad?

We analyse and rate the 53 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 2018. Next updated in July 2018.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content