Endsleigh Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Endsleigh is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Endsleigh home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Endsleigh the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Endsleigh’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,2 Safe overall rating for Endsleigh

Safe ratingOur opinion
Customer service & satisfaction
and claims

24/7 home emergency helpline
Contact details are available
1 star rating for content cover and 2 stars rating for building cover on Defaqto

Cover provided for your home

£1000 is provided to insure credit cards
Up to £50,000 only for emergency accommodation with building insurance
Max contents sum insured of £80,000
£2000 worth of cover for trace access which is on the low side compared to other insurers

Value for money

20% discount is given for buying combined policy
NCD is available
Admin fees are not known as this information is only available to policyholders
£30 is charged for policy adjustments

Financial strength

Endsleigh Home Insurance is underwritten by Endsleigh Insurance Services Limited.


Live chat option is available
Detailed FAQs are provided as guides
Website is easy to navigate and is customer friendly
Customer online portal is available for policy management
Policy documents cannot be accessed

Safe rating for Endsleigh home insurance

Expert and customer satisfaction reviews for Endsleigh home insurance

Review organisationEndsleigh home insurance reviews

Defaqto expert

Content: 1 star
Building: 2 stars

Smartmoneypeople4,6/5 based on 254 customer reviews
Overall Which? Score


Consumer satisfaction rates on reviews for Endsleigh home insurance

Our general opinion on Endsleigh home insurance

Endsleigh was founded in 1965 by NUS and their aim is to provide cheap and affordable insurance. Apart from home insurance services, they also offer car insurance, home insurance, gadget, travel, life and landlords insurance. The Endsleigh Home Insurance is underwritten by Endsleigh Insurance Services Limited.

Endsleigh offers different types of insurance services including building and contents cover, landlord insurance, unoccupied home insurance, subsidence home insurance and holiday home insurance. They have an average rating of 52% on Which, a low rating of 2 stars on Defaqto and a 4,6/5 rating on TrustPilot.

The buildings cover offers insurance for fixtures and fittings, £10,000 worth of liability cover, personal liability cover of up to £2M, £50,000 for alternative accommodation, cover for fire and smoke damage, theft and malicious damage, flooding, subsidence, vehicle impact, accidental damage to windows and sanitary ware, accidental damage to pipes and cables and alternative accommodation if the property becomes uninhabitable. The exact sums payable will depend on the level of insurance you choose. You can also purchase legal cover and ‘home emergency’ cover as optional extras.

Contents insurance protects your belongings from damage, fire and theft, with an option for accidental damage. Endsleigh offers up to £80,000 for content building insurance, cover for student’s belongings, business equipment and many others. Their services are recommended as they offer affordable insurance rates.

What does Endsleigh home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Endsleigh will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Endsleigh covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Endsleigh buildings and contents insurance

Endsleigh provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Endsleigh building insuranceLimits
Maximum sum insured

£500 000

Owner liability

£2 000 000

Alternative emergency accomodation

£50 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£2 000

Burst pipe

As standard

Blockage of sewer pipe

Optional extra

Gradual build-up of groundwater

Not covered


As standard

Underground services

As standard

Keys cover


Flood and storm damage (except for fences)

As standard

Endsleigh building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£80 000

Owner liability

30% of sum insured

Alternative emergency accomodation

£7 500

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

Not Stated

Contents kept in outbuildings (garage included)

£3 000

Thefts from outbuildings


Single item limit for valuables

£1 500

Items temporarily removed from home

£7 500

Money in and outside the homeInside:




Credit cards in and outside the homeInside:

£1 000


£1 000

Business equipment kept at home

£5 000

Student equipment

£1 500

Keys cover


Endsleigh contents insurance

Endsleigh home insurance additional cover

On top of your Endsleigh buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Home Emergency cover as optional extra
  • 24/7 Emergency Assistance
  • Up to £500 to cover call out charges, labor, costs of materials and parts
Boiler cover
  • Part of the home emergency cover which is an optional extra
  • Emergency cover is provided for boilerDetails are only stated in the policy schedule
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions

Only stated in schedule

Mobile cover

Only stated in schedule

Bicycle cover

Only stated in schedule

Endsleigh home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claimsOnly stated in schedule
Excess for escape water claimsOnly stated in schedule
Excess for subsidence claimsOnly stated in schedule
Excess for personal possessionsOnly stated in schedule
Excess for keysOnly stated in schedule
Endsleigh home insurance main excess

Endsleigh home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Endsleigh fees are as follows:

Fees applied to manage your Endsleighhouse policy
Interests on payment installmentsNot Stated
To renew my policy£0
To adjust my policy£30
To duplicate documentsNot Stated
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£30
For payment default£20
To switch from one insurer to EndsleighNot covered
Home insurance fees at Endsleigh

How much does Endsleigh home insurance cost?

You will below indicative quotes for building and contents insurance at Endsleigh:

Building insuranceContents insurance
ExcessOnly stated in scheduleOnly stated in schedule
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Endsleigh

It is very difficult to give a precise range of how much exactly will your home insurance cost at Endsleigh as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Endsleigh will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Endsleigh home insurance discounts available

20% discount is given for buying combined policy.

How do I a claim on Endsleigh home insurance?

At Endsleigh, Claims can be made online and via phone call.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Endsleigh home insurance?
Claim online

Claim form

Claim by phone

0333 234 1688

How to claim on my home insurance at Endsleigh

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Endsleigh house insurance?

To cancel your Endsleigh house insurance, here is what you need to know: 

Cancelling your home insurance at Endsleigh
Cancellation notice if Endsleigh cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £30
Cancel by phone

0333 234 1558

How to cancel my Endsleigh home insurance

How to contact Endsleigh home insurance?

ServicesPhone numbersOpening hours


Mon-Fri: 8am to 6pm
Sat: 9am to 5pm
Sun: Closed


0333 234 1552

Mon-Fri: 8am to 6pm
Sat: 9am to 5pm
Sun: Closed

Policy Renewal

0333 234 1552

Mon-Fri: 8am to 6pm
Sat: 9am to 5pm
Sun: Closed

Change your Policy

0333 234 1552

Mon-Fri: 8am to 6pm
Sat: 9am to 5pm
Sun: Closed

Cancelling your policy

0333 234 1558.

Mon-Fri: 8am to 6pm
Sat: 9am to 5pm
Sun: Closed

How to contact Endsleigh home insurance

Endsleigh home insurance contact details

Endsleigh contact details
Endsleigh address

Endsleigh Home Insurance
Shurdington Road
GL51 4UE
Cheltenham, Gloucestershire
United Kingdom

Customer service email

[email protected]

Chatbot available

Live chat is available

Endsleigh contact details

How do I log in to Endsleigh customer portal?

You can login by clicking on the "Account" option on the Homepage of the website.
To access, it, you can follow this link: https://client.endsleigh.co.uk/

How do I get Endsleigh home insurance quotes? 

To get a quote online at Endsleigh, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Endsleigh is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Endsleigh home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Endsleigh house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.