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08 Mar 2024

Sheilas' Wheels car insurance review

Name: Sheilas' Wheels car insurance review
Item: Sheilas' Wheels Car Insurance Policy
Rating: 73
Author: Dean Sobers

Read Which?'s expert review of Sheilas' Wheels car insurance. Find out how we rate its policy against 27 other providers

Dean SobersSenior researcher & writer

In this article

What does Sheilas' Wheels offer?
Does Sheilas' Wheels offer the best car insurance?
How good is Sheilas' Wheels car insurance policy?
How did customers rate Sheilas' Wheels car insurance?
How can you save money on Sheilas' Wheels car insurance?
Sheilas' Wheels: How can you claim?

What does Sheilas' Wheels offer?

Sheilas' Wheels entered the car insurance market in 2005, with policies primarily aimed at female drivers. However, it now sells to all drivers.

It's part of the Esure group, along with insurance brands esure and First Alternative, and its policy is underwritten by Esure Insurance Ltd.

Find out more: how to find cheap car insurance.

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Does Sheilas' Wheels offer the best car insurance?

Here's how Sheilas' Wheels scored in our latest survey:

65% customer score, which was joint-7th out of 27 insurers with a customer score
73% policy score on its standard policy, placing it 4th of 28 providers rated – it's a Best Buy
64% claims score, placing it joint-14th of 25 providers with a claims score.

See how this compares with the best car insurance.

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good is Sheilas' Wheels car insurance policy?

With a score of 73%, Sheilas' Wheels' policy was a Best Buy.

It was among the top five standard policies we assessed and in the top 10 of all 61 policies (standard and non-standard) analysed.

The areas in which it performed well included a courtesy car as standard with guaranteed availability during repairs, along with a low compulsory excess for accidental damage claims (£50).

It didn't do brilliantly across the board, though. An example of an area in which it fell short was low provision for personal belongings (£200), which excludes cover for mobile phones, laptops, tablets, money and documents.

Low excess for younger drivers

Not only are younger drivers lumbered with the steepest premiums, they will usually have higher mandatory excesses in their policies, narrowing their cover. The highest compulsory excess for a driver aged 21 to 24 for accidental damage was £400 in the policies we looked at. With the Sheilas' Wheels policy this was £100.

Sheilas' Wheels: key cover areas rated


Fire excess	£100
Theft excess	£250
Accidental damage excess	£50
Windscreen replacement excess	£100
Is the policy holder's NCD affected if car is hit while parked	Yes - but can be reinstated
Windscreen damage - limit per claim	Unlimited / £100
Window damage - limit per claim	Unlimited / £100

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate Sheilas' Wheels car insurance?

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

Sheilas' Wheels received a customer score of 65% – a fraction above the 64% average.

Its claims score was similarly mid-table – 64% (the average was also 64%).

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

Select a table:

Customer satisfaction


Application process	-
Clarity of policy
Dealing with queries
Ease of managing your policy online
Fair treatment of longstanding customers	-
Dealing with complaints
Value for money

Tables last updated February 2024. Next update January 2025. A dash '-' represents where we have insufficient sample size (less than 30) to generate a star rating.

How can you save money on Sheilas' Wheels car insurance?

Sheilas' Wheels' car insurance policy is available on the following price comparison websites:

Compare the Market
Confused.com
Go Compare
MoneySuperMarket

You should be charged the same price regardless of which comparison site you use or if you purchase it directly.

Sheilas' Wheels doesn't provide any discounts for insuring multiple vehicles or buying car and home insurance together.

Above information correct as of December 2023.

Get a car insurance quote with Confused.com

Sheilas' Wheels: How can you claim?

If you need to make a claim with Sheilas' Wheels car insurance, call 0345 604 3570. You can also start a claim online.

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

Sheilas' Wheels car insurance review