Esure car insurance review

Esure offers car, home and travel insurance. It has two comprehensive car insurance policies: its standard policy and Esure Flex.

Esure Group's brands also include Sheilas' Wheels and First Alternative. 

It was founded by insurance entrepreneur Sir Peter Wood, who also launched Direct Line. 

Its policies are underwritten by Esure Insurance Services and cover drivers aged between 19 and 90.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does Esure offer the best car insurance?

Here's how Esure scored in our latest survey:

• 54% customer score – joint 17th out of 19 insurers we compared.
• 67% policy score on its standard policy ‒ joint 7th out of 31 providers we reviewed
• 53% claims score – 19th out of 19 providers rated.

See how this compares with the best car insurance.

What does Esure offer?

How good are Esure's car insurance policies?

Esure's standard policy was in the top fifth of policies we rated.

With a score of 67%, Esure's standard policy sat just outside the top 10 (of 76) policies we reviewed.

However, it missed out on being a Best Buy because of its poor customer scores.

We were impressed by its low compulsory excesses for accidental damage (£50) and fire damage (£100), and by its no-claims discount protection add-on ‒ which shields your discount against an unlimited number of claims.

We were less impressed by the fact you had to wait 20 years before you earn its maximum no-claims discount. And if you don't use an approved repairer to fix damage, you'll pay a £200 excess. 

Electric car cover

Like a lot of policies we reviewed, Esure covers electric and hybrid vehicles, including damage to the battery, charging cable and charging adaptors. 

However, Esure's policies also provide an electric or hybrid replacement for use while yours is under repair (though this is subject to availability). Only a quarter of policies we examined offer this.  

Esure vs Esure Flex

Esure Flex strips away many of the features the standard policy has, such as personal belongings cover, misfuelling cover (putting the wrong fuel in your car), or cover for lost, stolen or damaged keys. 

It also has higher compulsory excesses. In an accidental damage claim, you'll need to pay £250 with Flex compared to £50 with the standard policy. 

The policy received a score of 51% ‒ below the standard policy's 67%, below the average of 61% and among the bottom 20% of policies we rated.

How did customers rate Esure's car insurance?

We asked Esure customers who have recently made a claim how they felt about their car insurance.

Esure scored a poor 54% when customers rated their overall experience, placing it second from bottom in our survey. 

Customers were also asked to rate their most recent claim. Esure's score of 53% was even worse: 19th out of 19 companies rated.

Here's how customers rated Esure in various areas of service:

How can you save money on Esure car insurance?

Esure's car insurance policies are available from the following price comparison websites:

• Compare the Market
• Confused.com
• GoCompare
• MoneySuperMarket

Esure offers discounts to drivers insuring multiple vehicles, but you must be purchasing direct to benefit from this and meet certain criteria.

Shop around using multiple comparison sites, and consider haggling if you think the price offered is too high.

Above information is correct as of December 2024.

How does Esure compare with other providers?

Esure earned a 54% customer score and a 53% claims score, placing it at the bottom of our rankings. 

In contrast, Aviva, LV, and Tesco Insurance all delivered stronger performances in claims handling, making them worth considering if service quality is a top priority.

Esure: How can I claim?

If you need to make a claim with Esure car insurance, call 0345 603 1373 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Find out how Esure rates for other products

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• Esure contents insurance review