Who is esure
esure was founded in 2000 and originally sold car and home insurance over the phone. It went on to streamline the process of buying car and home insurance by selling policies online, passing savings on to the policyholder in the form of more competitive premiums. The business has now expanded to provide travel and pet insurance in addition to launching the ‘Sheila’s Wheels’ brand originally aimed at providing car insurance for women.
esure car insurance policies
esure offers 2 main car insurance policy types
Single car insurance
Car insurance cover for a single car either Third Party Fire and Theft or Fully Comprehensive.
Multicar insurance
If there are two or more cars registered at the same address then you can obtain a discount on the premium for each additional car. Each policy can have separate renewal dates and No Claims Discounts.
esure car insurance extra benefits
Car Hire Benefit
If you add Car Hire Benefit to your policy and your car is either stolen and not recovered or is a total loss (uneconomical to repair) then you will get a similar type and size hire car by the end of the next working day. The hire car will be available for up to 21 days while your claim is being processed with the ability to extend the hire period at a discounted rate at your own expense. You can also arrange to be collected from your home or work to pick up your hire car.
No Claims Discount Protection
For an additional premium, you may be able to protect your No Claims Discount Protection (NCD) for the life of your policy meaning your NCD will not reduce regardless of the number of claims you make. To qualify for this benefit you must have four years or more NCD.
Breakdown Cover
esure offers a wide range of breakdown cover options for an additional premium. Cover is provided by the RAC and prices are calculated based on the option selected.
Motor Legal Protection
If you are involved in an accident that is not your fault then for an additional premium you can be covered for up to £100,000 towards any legal costs incurred when recovering uninsured losses.
Personal Injury Cover
You can be covered for up to £100,000 for personal injury incurred in an accident.
Key Cover
If your car or garage keys are lost, stolen or damaged then you can obtain cover for the cost involved in sourcing a replacement key up to a maximum of £300. There is a maximum of £1,500 per claim for replacement locks for your car or garage.
Misfuelling Cover
In the event misfuelling, transport will be provided for you, your car and up to 8 passengers to the nearest suitable garage and the cost of draining and refuelling (up to £25) will be covered.
Guaranteed Repair Work
Repairs will be guaranteed for five years so long as an esure recommended repairers is used.
In-car Entertainment Cover
Unlimited cover for audio, navigation and entertainment equipment fitted by the manufacturer. If there is equipment fitted that was not part of the original specification then a limit will apply to any claim as detailed in the policy document.
Windscreen Cover
Windscreen Cover is available (Comprehensive policies only) for damage to the windscreen and other windows together with scratches to any paintwork. You can arrange repairs direct with Autoglass and any claims will not affect your No Claims Discount.
New car cover
If your car is damaged in an accident and the cost of repairs is more than 55% of the list price or it is stolen and not recovered then your car will be replaced with a new one of the same make and model.
Child car seat
A maximum sum of £100 for the replacement of child car seats if they were in the car at the time of the accident.
How do esure car insurance extra benefits compare with other insurers?
esure |
AXA |
Direct Line |
LV= |
|
| Guaranteed hire car | Yes | Yes | Yes | £9.90 for small hatchback, £29.90 for similar car to own |
| No Claims Discount Protection | Yes | Yes | Yes | Yes |
| Breakdown Cover | Individual cost calculation | From £29.99 p.a. | £25 p.a. | From £26 p.a. |
| Motor Legal Protection (£100,000) | Individual cost calculation | £29.99 p.a. | £28 p.a. | £29 p.a. |
| Multi-car Discount | Yes | Yes | Yes | Yes |
| Black Box available | No | No | Yes | No |
| Admin fee for policy amendments | £26 | Free online £10 by phone | No | £15 |
| Available on comparison sites | Yes | Yes | No | Yes |
How to make a claim with esure car insurance
Claim online by logging in to the 'My Account' section of the esure website
Claim by phone on: 0345 603 7872
When making a claim the following information is important to ensure a quick response:
- policy details
- contact details
- vehicle registration
- details of any other vehicles or individuals involved
- details of any available witnesses
esure customer reviews
esure is rated as 'Great' on independent review site Trustpilot with rating of 4.2 out of 5.0 stars. Many of the reviews mention the competitive price and easy online application process. Which? scored esure 68% on the 'Best and worst car insurance companies' league table placing it 8th out of 39 car insurance providers.
Summary
esure is a car insurance provider that focuses on providing a low-cost online policy with many customers citing the competitive premiums as the reason for buying. The individual cost calculation for Breakdown and Motor Legal Protection makes the policy difficult to compare with other providers and the admin fee of £26 for policy amendments is one of the highest on the market.
