Esure Car Insurance Review

This is the ultimate review to guide you through Esure car insurance.

So if you want to get cover details, better value for money for your car insurance and tips to lower your insurance premium, then you might love the following article.

Let’s dive right in!

Is Esure a good car insurance company?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Esure car policy terms and conditions and given our own ratings based on different criteria.

4,6 Safe overall rating for Esure

Expert and customer reviews on Esure

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Esure’s reputation.

Review organisation	Consumer satisfaction rates for Esure
Defaqto expert rating for Esure
TrustPilot	3,9/5 based on 7891 opinions

To check if Esure is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Our opinion on Esure car insurance policy

With esure Car Insurance, customers will get comprehensive cover rated 5 Stars by Defaqto at affordable prices. Every esure comprehensive policy includes as standard the following benefits:

• 5 year repair guarantee
• Unlimited legal liability cover for death or injury to other people
• Unlimited cover for manufacturer fitted audio, navigation and entertainment systems
• European third party only cover for up to 90 days
• UK Call Centres and 24h accident recovery helpline
• Quick online self-service claims
• Up to £100 to replace each child seat after an accident.

Additionnaly, you can add extras suchs as Motor Legal Protection, Personal Injury Benefit, Car Hire Benefit, Misfuelling Cover, Key Cover. Customer reviews as well as expert rating are good (3,9/5) and esure paid out 97% of car insurance claims last year.

What does Esure car insurance policy cover?

Esure offers 2 levels of cover:

• Third Party Fire and Theft
• Comprehensive

What does Esure Comprehensive car insurance cover in details?

Breakdown cover

• Roadside assistance is provided in the case of a breakdown.
• Option to tow your car to the nearest garage if you are far from home and it cannot be fixed.
• Option to transport the customer’s car and affected party to the nearest garage in the case of misfuelling.

Courtesy car

A replacement car is provided for the driver in the case that his/her vehicle has been stolen or is damaged.

Personal accident

In the event of death or serious injury, Esure will pay up to £100,000 if the driver is at fault and £30,000 if the driver isn’t.
Below is a breakdown of the personal policy cover that Esure offers and what it covers:

• In the case of a permanent total disablement, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
• In the case that a limb is lost, £100,000 is offered if it was the driver fault and £15,000 if it wasn’t
• If there is loss of sight in one or both eyes, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
• If one or both ears are affected hearing wise, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
• If the speech is affected in an accident, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t
• For third degree burns, £100,000 is offered if it was the driver fault and £30,000 if it wasn’t.

Windscreen cover

• Claim on windscreen, window doesn’t affect NCB. Sunroof does.
• The cover option can be either added as an upgrade or is directly included in the fully comprehensive cover policy.

Motor legal protection

A legal fee of up to £100,000 is provided to cover legal charges if the case is deemed worthy.

Other guarantees offered at Esure

• Courtesy car:
  

• Courtesy car limit: time needed to repair
  

• Total loss courtesy car period: 21 days (as optional extra)
  

• Windscreen/window damage: unlimited if approved repairer (or £100)
  

• Sunroof damage: not covered
  

• Personal belongings: 150
  

• Medical expenses: £300 (physiotherapy treatment included)
  

• Audio equipment: unlimited if manufacturer fitted, or £1.000
  

• Sat Nav: unlimited if manufacturer fitted, or £1.000
  

• Child car seat: £100
  

• Misfuelling cover: engine damage only as standard, fuel drainage optional
  

• Repairs guarantee: 5 years
  

• Coverage abroad: 90 days (as optional extra)
  

• Personal accident cover (hospitalisation): £2,000 (extra)
  

• Liability limit for property damage (including legal expenses): £20M
  

• Onward travel cost if accident: Not covered
  

• Accomodation cost: £500
  

• Driving other cars extension: third-party only, no emergency cover
  

• Claim-free years for maximum NCB: 14
  

• Can other drivers get NCB?: No
  

• NCB protection: Optional, unlimited claims
  

• New car benefit: 55%, 12 months

Excess and fees at Esure

Excess

• Fire & theft excess: £100
  

• Accidental damage excess: £0
  

• Non-approved repairer excess: £200
  

• Windscreen replacement excess: £100 – £150
  

• Windscreen repair excess: £15
  

• Young driver excess: £350
  

• Excess protection: no

Fees

• Interest on monthly payment: 27,80%
  

• Cancellation fees during cooling off period: £0
  

• Cancellation fee outside cooling off period: £26
  

• Renewal fee: £0
  

• Adjustment fee: £26
  

• Payment default fee: £0
  

• Underwritter: esure Insurance ltd

Esure car insurance terms and conditions

How much does Esure car insurance cost?

You’ll find below indicative car insurance quotes at Esure:

Costs of Esure insurance car policies vary widely based on different factors such as:

• The driver’s age 
• The date on which they received their driving licence
• The type of car 
• Expected repair costs if the car is damaged
• The performance, safety and security of the car 
• The driver’s address and how busy the streets in the neighbourhood are
• Who drives the car (any additional driver on the policy) 
• The driver’s record of accidents and claims (number of injuries, No Claim Bonus etc.) 
• Insurance taxes.

Is there any promo codes or discounts available at Esure?

Esure offers a discount on the services offered.

• New customers can pay as low as £172 for a cover policy.
• They also provide a multi car discount which takes effect when two or more cars are registered under the same address.
• They offer guaranteed quotes for a year and also individual policies so each car is still under a discount but can be treated separately.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

What are the other car insurance policy types available at Esure?

Esure learner driver car insurance

This is dependent on the details of the learner driver in question. If it is satisfactory enough, it can be added to an already existing cover plan.

Esure business car insurance

Class of use categories are:

• Social, Domestic and Pleasure (SDP)
• Social, Domestic and Pleasure + your commute (SDP&C)
• SDP&C and business use by you, SDP&C and business use by you and your spouse or partner
• SDP&C and business use by you and another driver.

If you commute to work (even if your car’s parked at a train station most of the day), then SDP&C would likely be the best option for you. And if you use your car for business, choose from the 3 options that fit best.

Esure van insurance

Esure provides insurance for small vans that are used for personal purposes. Large vans and vans meant for business do not have any form of insurance policy.

How to contact Esure car insurance?

Esure phone numbers 

You will find all important phone numbers to contact Esure auto insurance:

Esure other contact details

You’ll find below Esure main contact details:

You can also contact them by mail by writing to Esure car insurance:

esure
The Equinox
19 Cadogan Street
Glasgow G2 6QQ

To claim on your car insurance, always prepare upfront:

• your policy number
• evidences of claim.

How to cancel your car insurance at Esure?

Since car insurance is a legal requirement, Esure will renew your policy automatically at the end of the policy period without any notification from your side. However, Esure has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days – the cooling off period – to cancel your policy at reduced cancellation fees.

You can cancel your esure car insurance by calling the number 0345 606 1374.

You would need to have various documents ready such as:

• your policy number (right hand corner of your documents);
• your bank details; and
• your payment method in case there are cancellation fees.

>> Download our free and online car insurance cancellation letter template.