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17 Sept 2026

Sheilas' Wheels home insurance review

Its standard policy received mediocre scores for both buildings and contents cover

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

The text "Sheilas Wheels" in bold, stylized pink font, with a playful, dynamic design.

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We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does Sheilas' Wheels offer the best home insurance?
What does Sheilas' Wheels home insurance cover?
‘The standard policy from Sheilas' Wheels was underwhelming’
How good is Sheilas' Wheels at handling claims?
How can you save money on Sheilas' Wheels home insurance?
How does Sheilas' Wheels compare with other providers?
Sheilas' Wheels home insurance: how can you claim?
Should you buy Sheilas' Wheels home insurance?

Sheilas' Wheels is better known for its car insurance, but it also offers home insurance.

We've reviewed its standard home insurance policy, which you can buy directly from its website or through comparison websites. It's underwritten by Esure Insurance Ltd.

Sheilas' Wheels also now offers a stripped-back Essentials home insurance policy.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does Sheilas' Wheels offer the best home insurance?

Sheilas' Wheels

Its standard policy received below-average scores for both buildings and contents cover.

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Policies

Home insurance (buildings)68%
Home insurance (contents)60%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Sheilas' Wheels home insurance cover?

We reviewed Sheilas' Wheels' standard policy. Take a look at what it offers and what we scored it.

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Buildings - Alternative accommodation	£75,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£450
Home emergency cover limit	£500
Home emergency - central heating/boiler repair	£500
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£1,500
Contents - Alternative accommodation	£10,000
Contents - Accidental damage	Optional extra
Contents - Guests' belongings	£2,500
Contents - Theft of contents in the open	£2,000
Contents - Damage to contents in the open	£2,000 - optional extra
Contents - Theft from outbuilding	£2,000
Contents - Damage to contents in an outbuilding	£2,000 - optional extra
Contents - Personal possessions cover single item limit	£1,500

Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying. See more on our scores below.

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‘The standard policy from Sheilas' Wheels was underwhelming’

Dean Sobers, Which? home insurance expert, says:

Sheilas’ Wheels’ standard home insurance policy managed lower-than-average scores for both its buildings and contents cover with 68% and 60% respectively (vs average scores of 71% and 67%).

While it didn’t stand out in our analysis, there were areas in which it did well. It covers repairs to burst pipes, as well as water damage resulting from the leak. Its contents cover also extends to business equipment (up to £10,000) and contents stored temporarily away from the home (£7,000).

We didn’t like its steep admin fees, which included a £58 cancellation fee. And it has a claims limit of £1,500 for individual valuables that haven’t been specifically listed on the policy. With most policies, this is at least £2,000.

Index-linked cover

Like many insurers, Sheilas’ Wheels asks you to estimate how much it would cost to rebuild your home and the combined value of your contents. Your ‘sum insured’ – the value your policy is based on – is largely based on these estimates.

Sheilas’ Wheels increases these sums each year in alignment with CPI to reduce the chance of changes in prices making your insurance inadequate.

This is a useful safeguard, but it doesn’t guarantee your sum insured will be correct. You’ll still need to take the time each year to review your policy cover and check it matches your needs.

How good is Sheilas' Wheels at handling claims?

Sheilas' Wheels' underwriter Esure Insurance Limited accepted 40-45% of claims on buildings-only policies – a good bit below the industry average of 62%. Some 10-15% of claimants on these policies lodged a complaint, which was approximately average (13%).

Meanwhile, the underwriter accepted 70-75% of claims on contents-only policies – in line with the average of 71%. Some 0-5% of claimants complained, which is below the 6.6% average.

When it came to claims on combined policies, the underwriter accepted 60-65% of claims – below the 71% average. Some 10-15% of claimants complained, which is in line with the 11.9% industry average.

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

To check if you're getting a good deal, run quotes on several price comparison sites. Sheilas' Wheels' standard home insurance policy can be bought from the following comparison websites:

Compare The Market
Confused.com
GoCompare
MoneySuperMarket

You can also get a quote directly from its website. There is a discount if you take out both buildings and contents cover.

Want to pay monthly? Sheilas' Wheels charges interest (at a variable rate), so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit Sheilas’ Wheels directly to find out more about its home insurance policy.

How does Sheilas' Wheels compare with other providers?

While we didn't have enough claimant feedback to calculate a customer score for Sheilas' Wheels, its standard policy's buildings cover scored 68% and ranks joint 24th in our standard buildings cover table. This is the same 68% score as standard policies from Coverbaloo, the AA and others.

As for contents insurance, its standard policy scored 60% – the same as standard policies from Esure and Privilege – and sits in joint 29th place among standard policies.

Sheilas' Wheels home insurance: how can you claim?

If you need to make a claim with Sheilas' Wheels, call 0345 604 4215.

For home emergency cover claims, call 0345 604 4226.

You can also make a claim online.

Find out more: Is it worth claiming on your home insurance?

Should you buy Sheilas' Wheels home insurance?

We think you can do better than Sheilas’ Wheels’ underwhelming policy. There is much better cover available from its competitors.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).

Find out how Sheilas' Wheels is rated for other products

Sheilas' Wheels car insurance review