Car insurance


Defaqto 5 Star rated Car Insurance or Defaqto 3 Star rated esure Flex - the choice is yours!

We'll give you a price for both products, so you can choose which is right for you.

Existing customer?


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Choose the product that meets your needs

To help you get the cover that's right for you, we'll now give you two prices when you get a quote direct with us - one for esure Flex Car Insurance, and one for esure Car Insurance. Take a look at how the two compare:

  esure Flex logo esure logo
Defaqto rating information iconDefaqto is one of the UK’s most trusted sources of financial product and market intelligence. The Defaqto 3 Star rated logo The Defaqto 5 Star rated logo
Windscreen cover information iconCover to repair or replace your windscreen if it's accidentally damaged.
Uninsured driver promise information iconIf you're involved in an accident that isn't your fault and the other driver isn't insured, your excess won't apply. The uninsured driver will need to be identifiable.
Vandalism promise information iconIf your car gets vandalised, report it to the police to get a crime reference number and we will protect your no claims discount.
Personal belongings information iconProvides cover towards the loss or damage to your personal belongings following a claim involving your vehicle, up to a specified limit. ✔ £150
Stolen keys information iconCovers the cost to replace your keys if they are stolen, up to a specified limit. ✔ £500
Legal advice helpline information iconWe provide you with a motoring legal advice helpline as part of your policy.
Child seat cover information iconCovers the cost to replace your child seat even if it isn’t obviously damaged, up to a specified limit. £100 £100
Non-original nav & audio cover information iconProvides cover towards the replacement of non-manufacturer fitted audio and navigation equipment following loss or damage, up to a specified limit. ✔ £150
Courtesy car to use while yours is being repaired information iconA temporary replacement car to use while yours is being repaired, when using an esure appointed garage.
Hotel expenses (UK) information iconIf you are unable to get home, we will cover the cost of a hotel in the UK. ✔ £200 driver/£500 max
Medical expenses information iconProvides cover for medical expenses, such as physio and dental treatment. £100 £300
24 hour emergency helpline information iconWe're here 24/7 in the event of an accident or incident involving your car.
5 year repairs guarantee information iconWhen settling your claims, the repair work comes with a 5year guarantee while the parts will be covered by the manufacturer's warranty.
New car replacement benefit information iconWe'll replace your car with a new one of the same make and model if your car is less than 1 year old, you or your partner were the 1st registered keeper and it's been stolen and not recovered or the cost of repairing is more than 55% of the manufacturer's latest UK list price (including taxes). The legal owner must agree to this.
Accident repair redelivery information iconIf your car isn't driveable after an incident covered by this policy, we will pay reasonable transport costs to take it to the nearest suitable repairer. We will also pay the reasonable cost of returning your car to you at the address shown in your schedule after it's been repaired.
Nav & audio equipment cover (original fit) information iconProvides cover towards the replacement of manufacturer fitted audio and navigation equipment following loss or damage, up to a specified limit.

At the moment you can only get a quote from us online and won't be able to save your quotes, so if you close your browser, you'll need to start again. The prices we quote may change between visits.

Get a quote





Has your premium risen more than you expected?

There are several reasons why the cost of your car insurance may have changed at renewal, especially this year. Click here to take a look at our article on rising car insurance premiums.


Electric Car Insurance


Fully comprehensive Electric Car Insurance

Both esure Car Insurance and esure Flex Car Insurance can provide comprehensive cover for your electric or hybrid vehicle 

By choosing our cover you have peace of mind knowing that your car will be protected by one of the UK's leading insurers.

Get an electric vehicle insurance quote in minutes



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, Fire and Theft

This is the lowest level of car insurance cover which expands on the cover offered by Third Party Only to include cover if your car’s stolen or damaged by fire or theft. You can choose this with our esure Car Insurance, but not esure Flex Car Insurance because this only offers Comprehensive cover.

Fully Comprehensive

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


Motor Legal Protection

Motor Legal Protection icon

If you’re involved in an accident that was partly or completely the fault of the other driver we can pay up to £100,000 (including VAT) towards legal costs to help you recover your expenses.


Breakdown Cover


Our wide range of Breakdown Cover options are offered with our partner the RAC.



Car Hire Benefit

Car Hire


If your car is stolen and not recovered, or we agree it’s a total loss, you’ll get a similar-sized hire car. You can use this while your claim is being processed, for up to a maximum of 21 days.



Personal Injury Cover


This isn't available to add to esure Flex Car Insurance policies.
In the event of death or serious injury to you (or any named driver), we’ll cover medical expenses and pay up to £100,000 if you’re at fault, or up to £30,000 if not.



Key Cover


This isn't available to add to esure Flex Car Insurance policies.
If your keys are lost, stolen or damaged, you can call our partner, the RAC, who’ll help you retrieve, repair or replace them.



How do you get a quote? The 5 things we’ll need to know

If you’d like a car insurance quote from us, there are some things you'll need to tell us to help us 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 of the three options that fit best.


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 you can. You'll need to take out a separate policy for each car.

➤ 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.

➤ Do I need to tell esure if I'm using my vehicle to aid the humanitarian crisis in Ukraine?

You do not need to inform us and your cover will not be impacted in accordance with the ABI Volunteer Driving Commitments. For full details, you can find out more on our designated Welcoming Refugees help page.



Have you got a question? Click here to check our FAQs page 


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