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Why Choose Esure for Your Car Insurance Needs?

  • Worried about finding reliable car cover that fits your budget? Esure, a trusted insurance company, has you covered.
  • With over 2 million car and home insurance customers, Esure brings a wealth of experience to the table.
  • Esure's comprehensive car insurance policy boasts a coveted five-star rating from Defaqto, reflecting its exceptional quality.
  • On Trustpilot, 60% of customers gave Esure a perfect five-star rating, contributing to an impressive overall score of 3.5 for the group.
  • In 2022, Esure settled an impressive 98% of claims pursued, offering peace of mind when you need it most.
  • Esure's comprehensive insurance comes with valuable perks like a five-year repair guarantee, windscreen cover, and a courtesy car.
Why Choose Esure for Your Car Insurance Needs

Esure's Car Insurance Options: Tailored to Your Needs

Esure provides a variety of car cover options to suit different drivers and budgets, ensuring you get the right protection for your unique situation.

Comprehensive Cover: The Top-Tier Choice

Comprehensive insurance from Esure offers the highest level of car insurance, covering damage to your vehicle, as well as third party, fire, and theft. Benefits include:

  • Protection against loss, theft, fire, flood, and accidental damage to your car
  • A five-year warranty on repairs by Esure's approved garages
  • Unlimited cover for legal liability in case of death or injury to others, and up to £20 million for property damage
  • New car replacement if your vehicle is less than a year old and stolen or damaged beyond repair
  • Up to £1,000 cover for permanently installed car entertainment systems
  • 24/7 access to legal advice through the motoring legal helpline
  • Windscreen repair and replacement cover
  • A courtesy car while your vehicle is being repaired by an approved garage

Third Party, Fire and Theft (TPFT) Cover: The Budget-Friendly Option

TPFT cover is a basic level of protection that covers damage or injuries to third parties, as well as fire damage, attempted theft, or theft of your own car. It includes:

  • Unlimited legal liability cover for death or injury to third parties
  • £20 million in legal liability cover for third party property damage
  • A five-year repair guarantee when using Esure's approved garages
  • Up to £1,000 cover for permanently fitted electronic equipment

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Esure Car Insurance: How Do They Stack Up?

Esure's cover levels offer robust protection where it matters most. Here's how they compare:

Cover Rating
Fire excess ★★☆☆☆
Theft excess ★★☆☆☆
Accidental damage excess ★★☆☆☆
Windscreen replacement excess ★★★☆☆
NCD affected if hit while parked? ★☆☆☆☆
Windscreen damage limit per claim ★★★☆☆
Window damage limit per claim ★★★☆☆
Cancellation fee after cooling off ★★☆☆☆
Repairs guarantee ★★★☆☆
Total loss courtesy car ★★★☆☆
Replacement car as standard ★★★★★
Replacement car guaranteed? ★★☆☆☆
Misfuelling cover ★☆☆☆☆
Onward travel -
Driving other cars cover ★☆☆☆☆
Driving other cars for emergencies ★☆☆☆☆

Customise Your Cover with Esure's Optional Extras

Since every driver is unique, Esure allows you to personalise your policy with a range of optional extras:

  • Motoring Legal Protection: Get up to £100,000 in legal costs covered if you're in an accident that wasn't your fault or if someone claims against you.
  • RAC Breakdown Cover: Enjoy peace of mind with roadside assistance for unexpected car troubles.
  • Car Hire Benefit: If your vehicle is stolen or written off, you'll have access to a hire car for up to 21 days.
  • Personal Injury Cover: Receive up to £100,000 for medical expenses if you're seriously injured or pass away due to an at-fault accident, or up to £30,000 for a not-at-fault incident.
  • Key Cover: If your car keys are lost, stolen, or damaged, RAC will assist you in retrieving, repairing, or replacing them, plus provide transport to get you home or to a garage if needed.
  • Misfuelling Cover: If you accidentally use the wrong fuel, this cover takes care of the cost to get you back on the road.

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What Affects the Cost of Your Esure Car Insurance

What Affects the Cost of Your Esure Car Insurance?

Several factors can impact the price of your Esure car insurance policy premiums:

  • Age and driving experience: Younger, less experienced drivers typically face higher premiums.
  • Location: Local crime rates and traffic levels can influence your insurance costs.
  • Claims history: If you've made a claim within the past five years, your premiums may be higher.
  • Level of cover: Comprehensive insurance tends to be more expensive than TPFT, but offers more protection.
  • Voluntary excess: Opting for a higher voluntary excess can lower your premiums, but ensure it's an affordable amount.
  • Optional extras: Adding policy extras can increase your premium, but provides additional cover.

Tips for Cutting Costs on Your Esure Car Insurance

Looking to save on your car cover? Here are some tips to help you get the best deal:

  • Pay annually: While monthly instalments may seem more manageable, paying your premium in one lump sum can save you money on interest charges.
  • Increase your voluntary excess: A higher voluntary excess can lead to lower premiums, but make sure it's an amount you can comfortably afford if you need to make a claim.
  • Reduce your mileage: The fewer miles you drive each year, the lower your insurance costs could be.
  • Build up your no-claims discount: By driving safely and avoiding claims, you can accumulate a no claim discount that can significantly reduce your premiums over time.
  • Review optional extras: Carefully consider whether you need each policy add-on, as they can increase your premium. In some cases, standalone cover may be more cost-effective.
  • Improve vehicle security: Installing alarms and parking in safe locations can help lower your insurance costs.

Esure Flex: Adaptable Cover for Life's Twists and Turns

Available through Esure's website, Esure Flex is an innovative comprehensive insurance solution designed for drivers whose needs may change throughout the year:

  • Adjust your policy as your circumstances evolve, ensuring you always have the right level of cover.
  • Easily increase or decrease your cover level to match your changing needs.
  • Add or remove optional extras without fuss, creating a policy that adapts to your lifestyle.
  • Enjoy the same great benefits as Esure's standard policy, with added flexibility.
  • Perfect for drivers whose insurance requirements may fluctuate over time.

Esure's Electric Car Insurance: Protecting Your Eco-Friendly Ride

As more drivers switch to environmentally-friendly electric vehicles and hybrid vehicles, Esure has developed specialised cover to meet the unique needs of EV and hybrid owners:

  • Bespoke cover designed specifically with electric cars and hybrid vehicles in mind.
  • Battery cover and charging cable protection included as standard.
  • Discounted premiums for eco-conscious drivers, where applicable.
  • Optional extras like EV-specific breakdown cover for added reassurance.

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Making a Claim with Esure: Hassle-Free When You Need It Most

Esure aims to take the stress out of making a claim with their straightforward, customer-focused process:

  • Dedicated 24/7 claims helpline, so you can report incidents and receive guidance any time, day or night.
  • Online claims portal, making it easy to track your claim's progress and submit supporting documents.
  • Access to a network of approved repairers to get your car back on the road promptly.
  • All repairs carried out by Esure's approved garages are guaranteed for five years, for long-lasting peace of mind.
Making a Claim with Esure Hassle-Free When You Need It Most

Esure's Additional Insurance Products: Protecting What Matters Most

Esure's Home Insurance: Safeguarding Your Castle

Protect your pad and everything in it with Esure's home insurance:

  • Buildings insurance to cover the structure of your home against damage or loss
  • Contents insurance to protect your personal belongings inside the house
  • Optional extras like accidental damage cover and away-from-home cover for your belongings
  • Save money by bundling your buildings and contents insurance together

Esure's Travel Insurance: Globetrotting Without the Stress

Whether you're jetting off for business or pleasure, Esure's travel insurance has you covered:

  • Single trip and annual multi-trip policies to suit your travel style
  • Cover for medical emergencies, trip cancellations, delays, and lost luggage
  • Optional extras like winter sports cover, gadget cover, and increased cancellation limits
  • 24/7 emergency assistance if things go wrong while you're away

Esure's Host Insurance: Airbnb Without the Anxiety

Renting out your place on Airbnb or similar sites? Esure's host insurance gives you peace of mind with:

  • Cover for accidental damage caused by guests staying in your property
  • Liability protection in case a guest is injured while staying with you
  • Compensation for lost rental income if your property is damaged and unrentable
  • Legal expenses cover for disputes with guests or neighbours related to your rental

Esure's Customers Can't Stop Raving

Esure has built a loyal fanbase, with thousands of satisfied customers praising their experience:

  • 4.3 out of 5 stars on Trustpilot from over 10,000 reviews
  • 91% of customers would recommend Esure to a friend
  • Lots of glowing reviews about Esure's great value, top-notch customer service, and speedy claims handling

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Your Esure Car Insurance Questions, Answered

Absolutely! Esure rewards safe drivers with a no claim discount that grows with each claim-free year. You can even protect your NCD, so it won't be affected if you do need to make a claim.

Yes, Esure offers the flexibility to pay for your car insurance in 12 monthly instalments, making budgeting easier. Keep in mind that paying monthly may result in a slightly higher overall cost compared to paying annually.

You can cancel your Esure policy at any time. However, if you cancel after the 14-day cooling-off period, you will face a £54 cancellation fee and may need to pay for the time you were covered. Add-ons might not be refundable.

No, personal injury cover is an optional extra that you can choose to add to your Esure policy for an additional cost. It provides a payout if you or your passengers are injured in an accident, regardless of who was at fault.

Esure's windscreen cover aims to get you back on the road quickly if your windscreen or windows are damaged. If your windscreen can be repaired, there's no excess to pay. If it needs replacing, you'll be responsible for the standard excess of £115.

With a strong focus on providing quality car cover, a range of flexible options, and top-notch customer service, Esure is a reliable choice for affordable car insurance that you can count on.

So why wait? Get a quote today and discover how Esure can help keep you and your car protected on the road. Whether you're looking for a standard policy or a more tailored approach, Esure has the expertise and options to meet your needs. Plus, as an insurance company regulated by the Financial Conduct Authority (FCA), the insurance industry regulator, you can trust that Esure adheres to the latest rules and new regulations designed to protect policyholders like you.

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