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Car insurance

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Defaqto 5 Star rated comprehensive cover

✓ 24/7 accident helpline
✓ Windscreen cover
✓ Courtesy car

Offered with comprehensive cover only.
For full details of cover and exclusions, please read our
policy booklets.

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✓ Policy Booklets

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Why choose esure Comprehensive Car Insurance?

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  • 5-Year repair guaranteed - if your car's being repaired by one of our recommended repairer
  • Courtesy car - following an accident if one of our recommended repairers is fixing your vehicle
  • Windscreen cover - our specialists will happily perform a windscreen repair or replacement if yours gets damaged
  • Online claims - report your incident online, 24/7, at a time that's convenient for you 
  • Driving other cars - policy holder only, subject to eligibility
  • In car entertainment - cover for loss or damage to permanently fitted electronic equipment
  • Legal liability - unlimited cover for death or injury to other people
  • Motoring legal advice helpline - on hand - day and night - in case you need us
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​​​​​​Defaqto rated 5 Stars - 5 Star car & home insurance

 


​​Rated 'Great' on Trustpilot

 

98%-claims


We paid out 98% of claims - *completed Car Insurance claims in 2021

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esure want to support our motor policy customers who are helping the Ukrainian refugee humanitarian aid operation.
 

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More than one car at home?

When you, or anyone permanently living in the same household as you, insures additional cars with us direct we’ll discount each new policy by 10%*

* (1) Discount excludes Optional Extras. (2) Subject to eligibility.

Separate policies – so no change to your existing renewal dates. Your No Claims Discount (NCD) for each policy will also be kept separate, so a claim on one policy won’t affect the NCD of the other
 

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Are you an existing esure Car Insurance customer?

When we issue your renewal quote, it will always be the same or less than the equivalent new customer price*

*The price you'd be given as a new customer if it was calculated using the same information available for your renewal quote (assuming the same cover details and sales channel).

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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.

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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.

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.

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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

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

 

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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

Personal-Injury


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.

 

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Key Cover

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If your keys are lost, stolen or damaged, you can call our partner, the RAC, who’ll help you retrieve, repair or replace them.

 

Misfuelling Cover

misfuelling-cover

If you misfuel your car you can call out our partner, the RAC, who’ll aim to get you back on the road in no time at all. (Remember, you won’t need this cover if your vehicle is fully electric.)

 

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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:
 

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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.



 

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*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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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

➤ Your age

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

➤ Car usage

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

➤ Your car

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

➤ Named drivers

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

➤ Repair costs

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

➤ Bad weather

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

 

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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.

 

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