Why choose esure car insurance
- Courtesy car - provided while your car is being repaired by our recommended repairers
- Driving other cars - policy holder only, subject to eligibility
- Windscreen cover - windscreen repair or replacement with our recommended windscreen specialists
- Legal liability - unlimited cover for death or injury to other people
- Motoring legal advice line - available day or night
- Guaranteed repair work - for five years if you use one of our recommended repairers
- In car entertainment - cover for loss or damage to permanently fitted electronic equipment
What affects the price of car insurance?
There are lots of things that insurers take into account when it comes to your car insurance quote. We’ll look at all your details to work out how likely it is that you’ll make a claim and what that might end up costing. Once that’s been looked at, we can calculate your quote and get you the best value price we can on your car insurance. Always make sure you get the right cover to suit your needs as sometimes the cheapest car insurance might not always be the best. So, what actually can influence your insurance premium?
Things related to you and your car
Where you live
If you live in an area that reports larger numbers of accidents, like built-up and highly populated areas, you may find this affects the price of your quote. Just as high crime rates might have an affect too
Though it’s not always the case that younger drivers have less experience, statistically they are a higher risk and typically can end up paying more for their car insurance. Usually experience comes with age and therefore, you could see a reduction in your premium the older you are
Your driving history
If you’ve had any claims in the past five years (regardless of who was at fault) you may end up paying more for your premium. If you haven’t made any claims and qualify for a No Claim Discount (NCD), this may help to reduce the cost
Parking your car on your driveway may mean it is safer than being parked on the road overnight, especially if it’s a busy road. Things like this, and whether you use your car for social (popping out to see friends or going to the shops), commuting (going to and from one place of work) or business (client meetings or travelling to different offices) are all taken into consideration. As is how many miles you will drive annually
The make and model of your car will have an impact on your insurance premium. For example, high performance cars and modifications can increase your cost, as parts can be more expensive, this could also be the case for rarer cars too
Your insurance cover
The cost will change depending on what level of cover you choose. So, if you’ve opted for Comprehensive over Third Party, Fire and Theft, or added Optional Extras like Breakdown Cover or Motor Legal Protection, you could see the cost of your cover change
If you’re adding Named Drivers to your policy, we’ll look at their driving history too, so bear that in mind as this could also have an affect on your price
Events relating to the car insurance market and country
Claims in the market
It's not just your claims that can affect your premium. The amount of claims being made overall can have a knock on effect, as well as the types of claims that are being made
As mentioned above, more expensive cars can mean more expensive parts for repairs. But the cost to manufacture parts could also go up, as can the cost for labour too.
Laws, regulations and taxes
Changes to these can mean a lot of different things for insurers and drivers, including having an affect on costs and types of claims. Recent examples include: Insurance Premium Tax (IPT) in 2017 which is added to all car insurance policies, and the 2021 Whiplash Reforms
Severe weather can put a dampener on anyone’s day, but areas that suffer from heavy rain, snow or icy conditions regularly can see increased accidents and claims, which can lead to an increase in premium
Frequently asked questions
Can I drive another car on my insurance?
Many car insurance policies do cover you to drive other cars but this is not included on all policies as standard. To find out if you are covered to drive other cars you can check section 3 of your Certificate of Motor Insurance.
The “drive other cars” extension allows the Car Insurance policyholder to drive someone else’s car with the owner’s permission. Cover on that car is limited to Third Party Damage only, and will not be Comprehensive even if that’s the level of cover on your own car. Third Party Damage does not cover damage to or theft of the borrowed car. The entitlement is only available to the policyholder and not the named drivers on your policy.
What’s a No Claim Discount (NCD)?
Your No Claim Discount (NCD) is related to the number of years you’ve gone without making a claim on your car insurance. Building up your NCD over a number of years can help you get a discount on your Car Insurance premium as it shows you’re a less risky driver to insure.
What’s an excess?
This is the amount of money you’d have to pay, over and above your Premium if you make a claim for loss or damage to your car or other specific situation.
There are two main types of excess – Compulsory, which is set by your insurer and not possible to change, and Voluntary, an additional amount that you may be able to increase with your insurer which should generally, reduce the cost of your premium. There may also be other excesses applicable so check your Schedule to see excesses that apply.
Increasing your Voluntary excess will mean you’ll contribute more towards a claim if you need to make one, so you should make sure you can afford the total amount of all excesses combined should the worst happen and you need to pay it.
Can I insure two cars in my name?
Yes. And you could also get a multicar discount for doing so – why not have a look at our Multicar Insurance.
How much is car insurance?
This depends on a number of things, such as, the level of cover you choose, the car you drive and how long you’ve been driving. These are considered along with other things when assessing the risk and calculating the cost of your car insurance. Saying that, you could reduce this cost by: opting for a higher excess (as long as you’re happy and can afford to pay that excess in the event of a claim): driving cars in low-numbered insurance group; and building up a No Claim Discount (NCD) over a number of years by driving safely.
What does car insurance cover?
This depends on the level of cover you choose. For example, Third Party Only simply covers the costs of damage to another person (third party) and their property in an accident, while Fully Comprehensive covers you and your vehicle in addition to the other party and their vehicle. See the section below for more information about different levels of cover.
Do I need car insurance?
Yes, if you want to drive on UK roads, the law requires you to have car insurance.
Do you insure electric cars?
Yes. We’ll quote for the majority of electric cars available within our market however this is subject to our normal underwriting criteria. Some common electric vehicles we can quote for are: The Nissan Leaf, The Renault ZOE, BMW i3, Kia Soul and the VW e-Golf.
What level of cover should you choose?
Well, that depends on what you’d like the car insurance to cover. We’ve included more information below so you can get a better idea of what type of car insurance might be best for you.
Third Party Only
This is generally the lowest level of car insurance cover offered by insurers. It covers the damage done to another driver’s car or property, and payment for any injuries the other driver may have received, in an accident that was your fault.
Just so you know, the lowest level of cover that meets the legal requirement for driving on UK roads is Road Traffic Act cover. This is rarely issued and doesn’t differ greatly from Third Party Only. esure doesn’t offer Road Traffic Act or Third Party Only cover.
Third Party, Fire and Theft
This is the lowest level of car insurance offered by esure. It expands the cover offered by Third Party Only to include cover if your car’s stolen or damaged by fire or theft.
This is the highest level of car insurance available from esure and covers everything Third Party, Fire and Theft offers, plus it covers you and your own car in the event of an accident. Among other things, it could also provide cover against accidental damage that you have caused to your own car.
Boost your cover
If you are involved in a road traffic accident that was partly or wholly the fault of the other driver, Motor Legal Protection could help you recover some of the uninsured losses, such as loss of earnings or medical expenses.
Motor Legal Protection could fund legal costs up to £100,000 (including VAT). This also could recover the cost of personal injury compensation, alternative travel arrangements, and loss of earnings that are not covered by our insurance policies.
We can also pay up to £100,000 for legal costs to help defend the customer for a motoring incident.
Find out more about our Motor Legal Protection benefit that can be added to your car insurance.
Our wide range of Breakdown Cover options are offered with our partner the RAC.
Why the RAC ?
RAC patrols fix 4 out of 5 vehicles at the roadside, within an hour of call out. So, if you do need their help, it won't be long until you're moving again.
What does the cover include?
Including unlimited labour, if your car cannot be repaired and you are over a quarter of a mile from your home, it will be towed to the nearest garage or destination of your choice within 10 miles.
For a small fee you can add these additional levels of cover:
- Roadside Assistance
- Roadside Assistance and Home Rescue
- Roadside Assistance, Home Rescue and Recovery
- Cover for any car for you and your partner
Find out more about car insurance with breakdown cover.
If your car is stolen and not recovered, or we agree it is a total loss, you will get a similar sized hire car by the end of the next working day for up to 21 days while we process your claim.
The car hire cover offers you the following:
- Up to 21 days car hire while your claim is being processed
- We can collect you from your home or work to pick up the car
- Car hire cover for all named drivers on your policy
Find out more about Car Hire Benefit.
In the event of death or serious injury, we’ll pay up to £100,000 if you (or any named driver) are at fault, or up to £30,000 if not.
What Personal Injury Benefit covers you for:
- Death – £100,000 (Fault) or £30,000 (Not at fault)
- Permanent total disablement – £100,000 (Fault) or £30,000 (Not at fault)
- Loss of (or loss of use of) one limb - £100,000 (Fault) or £15,000 (Not at fault)
- Loss of sight in one or both eyes – £100,000 (Fault) or up to £30,000 (Not at fault)
- Loss of hearing in one or both ears – £100,000 (Fault) or up to £30,000 (Not at fault)
- Loss of speech – £100,000 (Fault) or £30,000 (Not at fault)
- Third degree burns – £100,000 (Fault) or £15,000 (Not at fault)
Find out more about Personal Injury Cover.
If your keys are lost, stolen or damaged, you can call our partner the RAC who will:
- Retrieve your keys if they are accidentally locked in your car
- Take you home to get your spare key
- Replace the car keys and reset the alarm/immobiliser
- Replace the lock if your key breaks inside and is not retrievable
If you can’t get back on the road the same day, overnight hotel accommodation up to £200 for you and up to eight passengers can be provided in necessary circumstances.
Find out more about Car Insurance with Key Cover.
Please note: Misfuelling benefit does not cover fully electric cars.
If you misfuel your car you can call out our partner the RAC who will get you back on the road in no time at all, we will pay or reimburse you for:
- Transporting you, your car and up to eight passengers to the nearest suitable garage within the RAC network
- Costs involved to drain and clean the fuel system
- Replenishing the fuel tank with 10 litres of fuel*
- Hire car to complete your journey, up to £150
- Reimbursement of £25 worth of fuel, on presentation of receipt
*This does not apply if the damage is part of an accidental damage claim
Find out more about Misfuelling Insurance.
You could save money with esure Multicar
More than one car at home? Get Multicar benefits for you, your partner and anyone over 25 who lives at the same address as you.
- A Multicar discount* on all cars once you have two or more cars insured with us.
- 1 year quote promise – your Multicar insurance quote will be guaranteed for 1 year if your details don’t change. You can also add additional cars as and when you’re ready.
- Separate policies – if you make a claim on one policy it won’t affect the No Claim Discount (NCD) on the other. Renewal dates are also kept separate so you can insure your cars at different times.
*Multicar discount doesn't apply to Optional Extras
How do you get a quote? The 5 things we’ll need to know
If you’d like a car insurance quote from us, we’ll need some information from you. Once we’ve got it, we’ll use it to work out any risk associated with insuring you and prepare a quote. Here’s what you’ll need:
1. Your personal information
To get started we’ll need your name, date of birth, contact information (so we can email your quote to you), occupation and a few other personal details.
2. Your driving history
You’ll also have to answer a few questions about your claims history, whether you’ve any previous driving-related convictions, what type of licence you hold, and how many years No Claim Discount (NCD) you’ve got.
3. Details about your vehicle
This will include the make and model, who owns it and who’s the main driver.
4. Information about how you use your vehicle.
As well as your vehicle’s class of use (see below)*, we’ll also need to know an annual mileage estimate and where you park your vehicle.
5. Details about additional drivers
If you’d like to add anyone to your policy as a named driver, simply give us their details and we’ll take it from there.
*Class of use categories are: Social, Domestic and Pleasure (SDP), Social, Domestic and Pleasure + your commute (SDP&C), SDP&C and business use by you, SDP&C and business use by you and your spouse or partner, SDP&C and business use by you and another driver.
So, if you just use your car to drive around town, visit friends or for the school run, choose Social, Domestic and Pleasure. However, if you also commute to work (even if your car’s parked at a train station most of the day), then SDP&C would likely be the best option for you. And if you use your car for business, choose from one the three options that fit best.
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*completed Car Insurance claims in 2020