Sheilas' Wheels 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 Sheilas' Wheels 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 Sheilas' Wheels 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 Sheilas' Wheels 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 Sheilas' Wheels’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,3 Safe overall rating for Sheilas' Wheels

Safe ratingOur opinion
Customer service & satisfaction
and claims

5 stars by Defaqto and 3,9 by Trustpilot
UK-based call centres

Cover provided for your home

No maximum sum insured limit for building insurance
£200 000 maximum sum insured for your contents
High compensation amounts in overall for standard excess of £125
Unoccupancy period cover of only 30 days

Value for money

Affordable rates (50% of new customers paid £194)
Family legal protection and home emergency cover free the first year
High cancellation fees of £58, and APR rates of £27,90

Financial strength

High, Sheilas’ Wheels is part of Esure group underwritten by Esure Insurance Limited
Esure Insurance Limited is covered by the UK Financial Services Compensation Scheme (FSCS)
Its home insurance is underwritten by esure Insurance ltd

Technology

Well organized website
Livebot available
MyAccount customer portal

Safe rating for Sheilas' Wheels home insurance

Expert and customer satisfaction reviews for Sheilas' Wheels home insurance

Review organisationSheilas' Wheels home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot3,9/5 based on 2,543 customers reviews
Which? Score

64% for building insurance
56% for contents insurance

Consumer satisfaction rates on reviews for Sheilas' Wheels home insurance

Our general opinion on Sheilas' Wheels home insurance

Sheilas’ Wheels is part of the Esure group. The company offers one level of home insurance rated 5 stars by Defaqto.
The building insurance at Sheilas’ Wheels offers great cover for maximum sum insured or alternative accommodation. However, the company only covers an unoccupancy period of 30 days which is among the shortest period of the market.

The contents insurance at Sheilas’ Wheels does not cover credit card and money at home or away from home. Limits for items in the open or outbuildings are not high. But you can insure up to £200K of contents value.

What does Sheilas' Wheels 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 Sheilas' Wheels 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 Sheilas' Wheels covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Sheilas' Wheels buildings and contents insurance

Sheilas' Wheels 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:

Sheilas' Wheels building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 000 000

Alternative emergency accomodation

£75 000

Period of home’s unoccupancy cover

30 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

Sheilas' Wheels 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

£200 000

Owner liability

£2 000 000

Alternative emergency accomodation

£10 000

Period of home’s unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

£2 000

Contents kept in outbuildings (garage included)

£200 000

Thefts from outbuildings

£2 000

Single item limit for valuables

£1 500

Items temporarily removed from home

£7 000

Money in and outside the homeInside:

£750


Outside:

Not covered

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£10 000

Student equipment

£5 000

Keys cover

£1 000

Sheilas' Wheels contents insurance

Sheilas' Wheels home insurance additional cover

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

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £10 000 for single item limit away from home
  • Up to £750 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £10 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £10 000 limit

Sheilas' Wheels 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 claims£125
Excess for escape water claims£450
Excess for subsidence claims£1 000
Excess for personal possessions£125
Excess for keys£125
Sheilas' Wheels home insurance main excess

Sheilas' Wheels home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Sheilas' Wheels fees are as follows:

Fees applied to manage your Sheilas' Wheelshouse policy
Interests on payment installments27,90%
To renew my policy£0
To adjust my policy£20
To duplicate documents£0
To cancel my policy during cooling-off period£20
To cancel my policy outside cooling-off period£58
For payment default£0
To switch from one insurer to Sheilas' WheelsNot covered
Home insurance fees at Sheilas' Wheels

How much does Sheilas' Wheels home insurance cost?

You will below indicative quotes for building and contents insurance at Sheilas' Wheels:

Building insuranceContents insurance
Excess£125£125
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£178,81£350,86
Home insurance quotes at Sheilas' Wheels

It is very difficult to give a precise range of how much exactly will your home insurance cost at Sheilas' Wheels 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.

Sheilas' Wheels 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.

Sheilas' Wheels home insurance discounts available

  • Discount for buying combined policy
  • Family protection and Legal expenses optional extras free the first year

How do I a claim on Sheilas' Wheels home insurance?

There are two ways to claim at Sheilas’ Wheels. It is either you claim online through the customers portal section of the company’s website or by making a 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 Sheilas' Wheels home insurance?
Claim online

Claim form

Claim by phone

0345 604 4215

How to claim on my home insurance at Sheilas' Wheels

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

How can I cancel Sheilas' Wheels house insurance?

To cancel your Sheilas' Wheels house insurance, here is what you need to know: 

Cancelling your home insurance at Sheilas' Wheels
Cancellation notice if Sheilas' Wheels cancel your policy7 days
Cancellation feesFees during cooling-off period: £20
Fees outside cooling-off period: £58
Cancel by phone

0345 6043 683

How to cancel my Sheilas' Wheels home insurance

How to contact Sheilas' Wheels home insurance?

ServicesPhone numbersOpening hours
Claims

0345 604 4215

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Quotes ans Sales

0345 045 9000

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Renewals

0345 045 9000

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Customer service

0345 045 9000

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

How to contact Sheilas' Wheels home insurance

Sheilas' Wheels home insurance contact details

Sheilas' Wheels contact details
Sheilas' Wheels address

Sheilas wheels Home Insurance
19 Cadogan St,
Glasgow G2 6QQ,
United Kingdom

Customer service email

Not available

Chatbot available

Available on the landing page.

Sheilas' Wheels contact details

How do I log in to Sheilas' Wheels customer portal?

You can log in to your customer portal My Account at Sheilas’ Wheels.
The customer portal at Esure will allow you to fully manage your policy online:

  • see your documents
  • claim
  • manage your policy, make changes
  • manage your NCD etc.

Go on the esure website with your policy number. You will be able to connect to My Account entering both your policy number and your password. If you’ve forgotten your password, just click on the "forgot your password?" button and follow the whole process to reset one.

How do I get Sheilas' Wheels home insurance quotes? 

To get a quote online at Sheilas' Wheels, 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 Sheilas' Wheels 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 Sheilas' Wheels 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 Sheilas' Wheels 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.