Car Insurance

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What is covered?


Courtesy Car


When yours is being repaired in our network

Guaranteed Repair Work


5-year repair guarantee when you use our network

Legal Liability

Unlimited cover for injury or death caused to others

Windscreen Cover

windscreen es

 Repair or replacement, windows included too

Motoring Legal Advice Line

Available day or night, when you need us

Driving Other Cars

Over 25s get third party cover for driving other cars subject to exclusions.


What levels of cover do we offer?


Comprehensive Insurance


  • Up to £20 million to cover damage done to third party's property
  • Uninsured driver promise - You will not lose your NCD if third party is identified and not insured
  • Unlimited cover for standard fit audio navigation
  • New car replacement - for first owners and registered keepers who's cars are written off / stolen and not recovered and is less than a year old.
  • Guaranteed courtesy car - for the duration of repairs through our network
  • Child Seat Cover up to £100 - if in your car at the time of accident

Third Party Fire and Theft


  • Up to £20 million to cover damage done to third party's property 
  • Damage to your own car caused by fire, theft and attempted theft
  • Unlimited cover for standard fit audio, navigation or infotainment system if stolen




Frequently asked questions

I've got a cheaper renewal quote for my Car Insurance online, can you match it?

Yes, sometimes we can. Please give us a call on 0345 603 7879 and we'll see if we can do anything for you.

Can you send me proof of my No Claim Discount

Page 3 of your renewal invitation letter can be used as your proof of No Claim Discount.

If you don't have this document, you can request a 'Proof of No Claim Discount' letter using this form.

Why am I being charged for changing the address on my Car Insurance?

When you move house or make any change to your policy, your premium will be recalculated based on your new details. As a result the premium could go up or down depending on whether the risk has increased or decreased.

We may also charge an administration fee which you can view by clicking this link.

Do I need to tell you if I change my car?

Yes, otherwise you won't be insured to drive your new car.

You'll need to call us on 0345 609 0319 to change the car insured on your policy.

How do I cancel my Car Insurance policy?

We're sorry to hear that you're considering this. If you’re cancelling during the 14 day cooling off period which starts from your policy start date, providing there hasn’t been an incident/claim in the policy year you will get a full refund minus the administration fee.

If you're cancelling outside of the 14 day cooling off period, you'll be charged the premium for the time you've held your policy and an administration fee, again, assuming there has been no incident.

Follow this link for details of the administration fees that apply.

If you wish to contact us over the phone, please use the number 0345 607 0417


Enhance your cover with our optional extras...

Motor Legal Protection icon

Up to £100,000 legal costs to help you get back uninsured losses, such as a loss of wages or travel expenses from the at-fault driver. If we think you have a good chance of winning a claim in court, the MLP £100,000 limit could also fund associated legal costs.

MLP can also be used to pay up to £100,000 towards your defence if you are being prosecuted for a motoring offence.

You can read more about Motor Legal Protection here

Breakdown Cover

We work with the RAC to provide our customers with excellent roadside assistance–choose between 4 levels of breakdown cover and find out which one is right for you.

Click here to find out more about breakdown cover.

Breakdown Defaqto logo

Car Hire

If your car is a total loss, or stolen and not recovered you might have to wait a while for your claim to be settled–and during that time you won’t have a car. With Car Hire Benefit we’ll pick you up from either your home or work and take you to your hire car, which you could have for up to 21 days while we settle your claim. When your claim is settled, we’ll collect the car within 48 hours.   

Click here to fiind out more about Car Hire Benefit

Personal Injury

If you’re injured in an accident and were the at-fault driver, you might not get a lot of cover for your injuries. Personal Injury Cover aims to cover you up to £100,000 if you sustain life-changing injuries.

Find out more about Personal Injury Cover 

Key Cover

Not being able to get into your car or garage is always frustrating, so if your car or garage keys are ever lost, damaged or stolen, the RAC will help see you right.

Click here to find out more about Personal Injury Cover 


Misfuelling probably happens more often than you think. But if you put the wrong fuel in your car, don’t panic. As long as you don’t turn on the engine, all you have to do is give the RAC a call, and they’ll come out to drain the fuel. To get you back on the road, we'll give you up to 10 litres of fuel, free of charge. You can also reclaim up to £25 worth when you present your receip

Click here to find out more about Misfuelling Insurance


...or save on a package


Save 48% with Full Protection

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Save 53% with Just in Case


You could save money with esure Multicar


A 10% Discount

If you insure at least 2 cars, you get a discount. Great if you have lots of cars at home and want to keep them insured together.






Matched NCD

This one is just for you and your partner, if one of you has a higher No Claim Discount the other policy will benefit from it too.*


*Limited to the number of years the driver has held a full UK licence.






1-Year Quote Promise

Your Multicar quote will be guaranteed for 1 year if your details don't change. You can also add extra cars when you're ready.






Separate Policies

If you make a claim on one policy it won’t affect the No Claim Discount on the other. Renewal dates are also kept separate so you can insure your cars at different times.


Why Choose esure?

There are plenty of reasons to choose esure, but don't take it from us. Our customers have rated us Great on Trustpilot and we've been awarded the highest Rating of 5 stars by Defaqto 5 years in a row.

97% of Claims

*Completed car claims in 2018


Defaqto 2016


CI Awards for Claims



Make a claim

Find out how to make a claim. We're here to support you when you need us most 

Policy booklet

Check the policy booklet to find out what's covered by our Defaqto 5 Star rated insurance

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