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.
Esure Group plc also includes insurance brands Sheilas' Wheels and First Alternative, and esure's policy is underwritten by esure Insurance Services Ltd.
What does esure car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim.
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident.
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen.
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost.
£ No Claims Discount protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount.
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident.
Does esure offer the best car insurance?
Here's how esure scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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.
esure's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of esure's car insurance rated
| Weighting | Policy element | Details | Rating |
|---|---|---|---|
| Most important | Courtesy car - included? |
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| Most important | Courtesy car - guaranteed availability? |
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| Secondary | Courtesy car period |
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| Other | Courtesy car provided if car is stolen? |
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| Most important | Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) |
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| Most important | Window damage - limit per claim (Approved Repairer / Non-approved repairer) |
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| Secondary | Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) |
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| Secondary | Personal belongings - limit per claim |
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| Other | Medical expenses - limit per claim |
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| Other | Physio treatment included under medical expenses? |
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| Other | Prescription costs included under medical expenses? |
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| Other | Dental treatment included under medical expenses? |
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| Other | Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) |
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| Other | Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) |
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| Other | Child car seat - Limit per claim |
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| Secondary | Misfuelling cover - included? |
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| Secondary | Misfuelling cover - what's covered? |
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| Secondary | Misfuelling cover - limit per claim |
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Table last updated in February 2022. Next update in February 2023.
To see how esure's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate esure's car insurance?
As well as looking at how esure's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews
esure's car insurance customer satisfaction.
| Customer satisfaction element
|  |
| Application Process |
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| Clarity of Policy |
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| Dealing with queries |
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| Ease of managing your policy online |
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| Fair treatment of longstanding customers |
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| Dealing with complaints |
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| Value for money |
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Table last updated in February 2022. Next update in February 2023.
'-' means we have insufficient sample size (less than 30) to generate a star rating.
How can you save money on esure car insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide – especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy, but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
esure's car insurance policy on the following price comparison websites:
- Compare the Market
- Go Compare
- Confused.com
- MoneySuperMarket
✓ Multi-car discount
Quotes for 2nd vehicles are guaranteed for 180 days.
✓ Joint car and home insurance discount
Taking out car and home insurance from esure will get you a 10% discount.
✘ Dash cam discount
A discount to the premium for having a dash cam installed in your car.
✘ Membership discount
A discount to the premium for being a member of an organisation.
Above information is correct as of December 2021.
- Find out more: get a cheap car insurance quote
What is esure's car insurance claims number?
If you need to make a claim with esure car insurance call 0845 603 7872.
Customers can make claims through their online account.
- Find out more: is it worth claiming on your car insurance?
