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Sheilas' Wheels car insurance review

Read Which?'s expert review of Sheilas' Wheels car insurance. Find out how we rate its policy against 30 other providers
Dean SobersSenior researcher & writer

In this article

Sheilas' Wheels entered the car insurance market in 2005, with policies primarily aimed at female drivers. However, it now sells to all drivers.

It's part of the Esure group, along with insurance brands Esure and First Alternative, and its policy is underwritten by Esure Insurance Ltd.

It will insure drivers between 19 and 90 years old.

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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Is Sheila's Wheels a good insurer?

With a score of 67%, Sheilas' Wheels' policy is a Which? Best Buy. 

Its score places it in the top fifth of the 76 (standard and non-standard) policies we analysed.

Areas in which it performed well include £5,000 personal accident cover as standard. This is a cash sum that's paid if you suffer a lifechanging injury as a result of a car accident.  You'll also not lose your no-claims discount if you claim because your car has been vandalised.  

It didn't do brilliantly across the board, though. An example of an area in which it fell short was low provision for personal belongings (£150), and just £100 cover to replace a damaged car seat.

  • We didn't get enough respondents to our claimants survey to rate Sheilas' Wheels' customer and claims service

No-claims discount protection

Sheilas' Wheels' no-claims discount protection covers an unlimited number of claims per year.

Most car insurers offer no-claims discount protection (NCDP) for an extra charge. As the name suggests, this will shield your no-claims discount against some of your claims – reducing the effect claiming will have on your renewal price (though importantly, it won't stop claims from affecting your price altogether). 

See how this compares with the best car insurance.

What does Sheilas' Wheels offer?

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Fire excess£100

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Theft excess£250
Accidental damage excess£50
Windscreen replacement excess£15
Is the policy holder's NCD affected if car is hit while parkedYes, but can be reinstated
Windscreen damage - limit per claimUnlimited / £100 (non-approved repairs)
Window damage - limit per claimUnlimited / £100 (non-approved repairs)

Tables last updated January 2025. Next update January 2026. We recommend checking policies before buying.

How can you save money on Sheilas' Wheels car insurance?

Sheilas' Wheels' car insurance policy is available on the following price comparison websites:

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

You should be charged the same price regardless of which comparison site you use or if you purchase it directly.

Sheilas' Wheels provides a multicar discount if you insure more than one car on its policy.

Above information correct as of December 2024.

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How does Sheilas' Wheels compare with other providers?

Sheilas’ Wheels earned a policy score of 67% and was awarded a Best Buy status in our latest survey. 

It sits comfortably alongside First Alternative, which also holds a Best Buy badge and the same score. Both outperform Axa car insurance, which received a 45% policy score.

Sheilas' Wheels: How can you claim?

If you need to make a claim with Sheilas' Wheels car insurance, call 0345 604 3570. You can also start a claim online.

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About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


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4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


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