Is Esure a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Esure and are wondering if Esure is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Esure: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Esure.
Who is Esure?
Esure was founded in the year 2000 by Sir Peter Wood. Sir Peter Wood is famous in lauching successful insurance companies in the UK with direct sales channel. He also created Direct Line, which does not belong to the same Esure group though.
Esure is part of Esure Insurance Ltd, also owning Sheilas' Wheels and Gocompare. The company mainly provides insurance services over the phone.
Esure provides Car, Home and Travel Insurance. With 2,5 million customers, Esure is now one of the leading UK insurer with total revenue reaching £781,3M in 2017. In 2018, Esure has been acquired by Bain Capital which gave the brand important financial backup. The company has headoffices in Manchester, Glasgow and Reigate.
Defaqto expert rating considers Esure as a top quality insurer. Customers reviews on Trustpilot are average. Esure is well known for providing affordable cover.
Claim and quote process is 100% manageable online with your customer portal My Account. But you also have a wide range of phone lines to call in case you need to speak to a counseller.
What are the main insurance policies available at Esure?
Let's discover below main insurance policies offered by Esure.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more |
Esure expert and consumers reviews: Defaqto, TrustPilot
Esure is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Esure.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 5 |
Is Esure a good car insurance company?
3,8 Safe overall rating for Esure car insurance
Admiral is now one of the most famous UK’s car insurance companies with 4 million policies sold in 2018.
The car insurance covers provided by Esure apart from the comprehensive cover do not seem to cover a lot so this is an indication that the comprehensive cover is the one to go for.
The insurance policy that Esure provides does not include some services like classic car insurance.
Overall, the performance level can be said to be average and it is recommended. But from the customer reviews, Esure car insurance seems to have an average customer satisfaction rate and performance level. The Esure website does not contain all the necessary information and key details for car insurance such as the factors for NCB.
In addition to typical car insurance coverage choices, Esure offers, among other options:
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.
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.
Personal injury policy
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.
Besides main car insurance coverage, you can also get extra car insurance options at Esure. Get to know more, read our complete review on Esure car insurance.
Is Esure a good travel insurance company?
4,6 Safe overall rating for Esure travel insurance
For Travel, they provide Single Trip Policy and Annual Multi Trip Policy as the main covers. Optional additional covers available are Golf, Gadget, Cruise, Wedding and Business Covers.
Due to the above average customer satisfaction rate on Trust Pilot and a 5 star rating on Defaqto, and their competitive prices, we would highly recommend acquiring a travel insurance cover from Esure. However, due to their upper age limit, we would not advise anyone over the age of 65 to sign up with them due to the limitations put in place for people over that age.
For single and annual multi-trip cover, age and maximum number of days limits at Esure are:
| Main travel insurance policies | Available at Esure |
|---|---|
| Esure maximum number of days limit | Single trip: up to 94 days |
| Esure age limit | 65 years old |
You will find Esure cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Esure also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
Wedding Cover is available at Esure Insurance and comes with the following benefits:
- Up to £500 if wedding rings are lost or stolen
- Up to £1,000 if wedding gifts are lost or stolen
- Up to £2,000 if wedding attire is lost, stolen or damaged
- Up to £500 if wedding photos are stolen or lost.
>> MORE: read our complete review on Esure travel insurance.
Is Esure a good home insurance company?
4,4 Safe overall rating for Esure home insurance
Esure provides one level of cover for both building and contents home insurance. Although maximum sum insured limits are good in both policies, they are not among the most popular plans of the market.
Esure does not cover cash kept at home or outside. The company also only provides 30 days of unoccupancy period which is one of the smallest period cover provided when you left your home unoccupied to go on holidays for instance.
However, Defaqto expert rating considers Esure as a top quality insurer. Customers reviews on Trustpilot are average. Esure is well known for providing affordable cover.
Claim and quote process is 100% manageable online with your customer portal My Account. But you also have a wide range of phone lines to call in case you need to speak to a counseller.
Esure building insurance
You will find below building main insurance details for the Home Insurance cover at Esure:
- Maximum sum insured for your property: Unlimited
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £75 000
- Period of home's unoccupancy cover: 30 days
- Trace and access: £5 000
- Keys cover: £1 000
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Esure contents insurance
You will find below contents insurance details for the Home Insurance cover at Esure:
- Maximum sum insured for your contents: £200 000
- Alternative emergency accomodation: £15 000
- Single item limit: £1 500
- Contents in the open: £2 000
- Contents in outbuildings: £200 000
- Money / credit card kept at home: Not covered / Not covered
- Items temporarily removed from home: £7 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Available as extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Esure is £125.
You will find exhaustive cover details, administration fees, contacts etc. on Esure home insurance on our review below.
>> MORE: read our complete review on Esure home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Esure discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | Yes, you can get up to 20% discount if you sign up with them online. |
| Home insurance | Discount is given for buying combined policy. |
How to contact Esure?
Find out how to contact and log in to Esure on our contact page.
