Esure car insurance review

What does Esure offer?

Esure offers car, home and travel insurance. It has two comprehensive car insurance policies: its standard policy and Esure Flex, which is available through price comparison websites.

Esure Group's brands also include Sheilas' Wheels and First Alternative. 

Esure was founded by insurance entrepreneur Sir Peter Wood, who also launched Direct Line. Its policies are underwritten by Esure Insurance Services.

• Find out more: how to find cheap car insurance 

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Does Esure offer the best car insurance?

Here's how Esure scored in our latest survey:

• 60% customer score, joint 22nd out of 27 insurers we compared
• 72% policy score on its standard policy ‒ 6th out of 28 providers we reviewed
• 62% claims score, joint 17th out of 25 providers rated

See how this compares with the best car insurance.

How good are Esure's car insurance policies?

Esure's standard policy score of 72% placed it just below the top 10 policies we analysed.

We were impressed by its low compulsory excesses for accidental damage (£50) and fire damage (£100), and by its no-claims discount protection add-on ‒ which shields your discount against an unlimited number of claims.

We were less impressed by how long it takes for you to get its maximum no-claims discount ‒ 20 years. And if you don't use an approved repairer to fix damage, you'll pay a £200 excess. 

Electric car cover

Like a lot of policies we reviewed, Esure's cover electric and hybrid vehicles, including damage to the battery, charging cable and charging adaptors. 

However, Esure's policies also provide an electric or hybrid replacement for use while yours is under repair ‒ only a quarter of policies we examined have this feature.  

Flex

Esure Flex is available exclusively via comparison sites and strips away many of the features the standard policy has, such as personal belongings cover, misfuelling cover (putting the wrong fuel in your car), or cover for lost, stolen or damaged keys. 

It also has higher compulsory excesses. In an accidental damage claim, you'll need to pay £250 with Flex compared to £50 with the standard policy. 

The policy received a score of 57% ‒ below the average of 64%.

Esure: key cover areas rated

How did customers rate Esure's car insurance?

We asked Esure customers who have recently made a claim how they felt about their car insurance.

Esure scored a poor 60% when customers rated their overall experience, placing second from bottom in our survey. 

Customers were also asked to rate their most recent claim. Esure's score of 62% was slightly better here, but still uninspiring. It placed 17th out of 25 companies scored.  

Here's how customers rated Esure in various areas of service:

How can you save money on Esure car insurance?

Esure's car insurance policies are available from the following price comparison websites:

• Compare the Market
• Confused.com
• Go Compare
• MoneySuperMarket

It doesn't offer discounts to drivers insuring multiple vehicles, buying different products together or with dash cams. Nor does it offer membership discounts or incentives. 

Shop around using multiple comparison sites, and consider haggling if you think the price offered is too high.

Above information is correct as of December 2023.

Esure: How can I claim?

If you need to make a claim with Esure car insurance, call 0345 603 7872 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Find out how Esure rates for other products

• Esure buildings insurance review
• Esure contents insurance review
• Esure travel insurance review