Ford Insurance


How much could you save when
you insure your car with esure?

  you could pay £182, 10% of new customers did in March 2017


Car Icon Banner


Fords are popular cars, and with so many affordable models available it’s no surprise–from the humble Fiesta to the family friendly Ford Focus. Their cars offer something for everyone, and with customers all over the world, Ford has established itself as an international brand.

How did Ford become affordable?

The Ford Motor Company was founded by Henry Ford over 100 years ago. He pioneered the assembly line method, enabling him to produce cars on a scale never seen before, making them more affordable to the general public. To this day the Ford company is still run by the Ford family, and is one of the largest automotive companies in America.

What does Ford car insurance look like with esure cover?

The level of cover we offer our customers is the same regardless of the type of car they insure. When you choose esure Comprehensive Insurance you get all these great benefits:

  • 5-Year repair guaranteed - if your car's being repaired by one of our recommended repairers
  • 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 
  • Unlimited cover - if any third party dies or is injured by your car, including passengers.
  • Up to £20 million - to cover any damage you do to another person’s property with your car
  • 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
  • Defaqto rated 5 Stars - 5* car & home insurance

Does esure offer third party only insurance?

No, the lowest level of cover we offer our customers is third party, fire and theft . This insurance would protect your car if it was stolen, or damaged by fire, but it wouldn’t be covered if it was damaged in an accident. 

Taking your Ford to Europe?

If you’re planning on taking your Ford on a road trip around Europe we offer European car cover. Just let us know in advance, and we can arrange for you to have the same level of cover you have in the UK–if you want to do this, a foreign use charge will apply. For more information please visit our European car cover page. 

How much would I be expecting to pay for a Ford car insurance quote?

There isn’t a straightforward answer to this unfortunately, as it depends on many different factors. If you’ve bought a higher spec Ford such as a Kuga you will probably get a higher Ford insurance quote when compared with a Ka quote–one reason for this is that a Kuga has a larger engine and some parts are more expensive. Where you live and leave your car at night could also affect what you pay. If you parked your car in a garage or on your driveway, your insurance could be cheaper as your car is less accessible to thieves–and  the risk of your car becoming damaged is reduced.

Ford Car Insurance groups?

We insure plenty of Ford models, so have pulled together a list of the insurance groups popular Fords fall into. Of course we can’t mention every Ford we insure so if your car isn’t on the list, it doesn’t mean to say we won’t insure it. Get a quote today to find out how much you could save.

Ford Fiesta Insurance Groups

The Ford Fiesta fits into a range of insurance groups, some have small engines and are designed to get you from A to B on a modest budget. There are sportier options  available, which may cost more to insure because they have more power and can be attractive to thieves.


Ford FIESTA Insurance Groups1

Please be aware this is a guide only, insurers may group these cars differently

Model Engine Size Insurance Group
Fiesta (89-97) 1.1-1.8 9-30
Fiesta (95-99) 1.2-1.8 9-15
Fiesta (99-02) 1.2-1.8 9-19
Fiesta (02-08) 1.2-2.0 7-28
Fiesta ST (05-08) 2 26
Fiesta (08 onwards) 1.0-1.6 3-17
Fiesta ST (12 onwards) 1.6 30




Ford Focus Insurance Groups

Different Ford Focus models can fall into a wide mix of insurance groups, given that they range from small engine no-thrills models to powerful sportier options that carry a higher insurance price tag.


Please be aware this is a guide only, insurers may group these cars differently

Model Engine Size Insurance Group
Focus Saloon (98-04) 1.6-2.0 11-16
Focus Estate (98-04) 1.6-2.0 11-17
Focus Hatchback (98-04) 1.4-2.0 9-31
Focus RS (02-03) 2.0 34
Focus Coupe Cabriolet (06-10) 1.6-2.0 12-21
Focus Estate (05-11) 1.6-2.0 9-19
Focus ST (06-10) 2.5 34
Focus RS (09-10) 2.5 19-38
Focus Hatchback (05-11) 1.4-2.0 6-19



Ford Ka Insurance Groups

The Ford Ka is a stylish practical car, designed to be a reliable run around. Engine sizes are mixed and this is reflected in the different insurance groups these cars appear in. 


Please be aware this a guide only, insurers may group these cars differently

Model Engine Size Insurance Group
Ka (96-08) 1.0-2.0 6-26
Ka (09-16) 1.2-1.3 3-6
Ka Plus (09 onwards) 1.2 1-5


Ford Mondeo Insurance Groups

Ford Mondeo models are typically family cars, engine size and specs can vary, and with that so does what you pay on your insurance. 



Please be aware this is a guide only, insurers may group these cars differently

Model Engine Size Insurance Group
Mondeo Saloon (93-00) 1.2 1-5
Mondeo Hatchback (93-00) 1.6-2.5 15-34
Mondeo Estate (93-00) 1.8-2.5 15-34
Mondeo Estate (00-07) 1.8-3.0 17-33
Mondeo Saloon (00-07)  1.8-3.0 17-33
Mondeo Hatchback (00-07) 1.8-3.0 17-33
Mondeo Saloon (07-10) 1.6-2.5 17-27
Mondeo Estate (07-14) 1.6-2.5 13-28
Mondeo Hatchback (07-14) 1.6-2.5 12-28



Ford Kuga Insurance Groups

The Kuga is a sleek sophisticated SUV and falls into fairly midrange insurance groups. The models can vary - some have added features on the interior and exterior of the car, engine size can also differ, depending on what you're after - be it performance power or fuel economy 


Please be aware this is a guide only, insurers may group these cars differently

Model  Engine Size Insurance Group
Kuga (08-12) 2.0-2.5 18-25


esure Optional Extras for Ford car insurance

esure offers a range of Optional Extras to boost your car insurance cover. These include:

Motor Legal Protection (MLP)– 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. These can include lost wages if you've had to take time off work after the accident, or travel expenses while you were without your car. Motor Legal Protection could also cover your defence if you're facing prosecution for a motoring offence.

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

Car Hire Benefit – 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. With Car Hire Benefit we'll also pick you up from either your home or work and take you to collect your hire car, and when your claim is settled we'll collect the car within 48 hours.

Personal Injury Benefit–if you’re injured as an at-fault driver you get minimal cover for your injuries. Personal Injury Benefit increases the amount of cover you get so you’re more protected if you sustain life-changing injuries. Find out more on our Personal Injury Benefit page.

Key Cover – 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.

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.

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 is not given when you get a quote for the same vehicle via a Price Comparison website within 31 days of getting your quote direct with esure. (2) Discount excludes Optional Extras. (3) 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 

Find out more >


1. Parkers. PARKERS Insurance Groups. Available  from [Accessed 07 July 2017]