Comprehensive Car Insurance Cover

5 Star rated comprehensive car insurance

We’re pleased to say that our home and comprehensive car insurance have been awarded 5 Stars by Defaqto (excludes esure Flex).



What our customers say


What is fully comprehensive car insurance?

Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover.

Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft, but on top of all that, it covers your own car in an accident. You can also add other cover on to this type of policy, such as breakdown cover, and motor legal protection.


What do I get with esure comprehensive car insurance?

  • 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 Star comprehensive car & home insurance (excludes esure Flex)


    How does fully comprehensive insurance differ from third party only and third party fire and theft?

    The main difference between comprehensive Insurance, third party only insurance and third party fire and theft insurance is that it protects your car in an accident.  It also covers things such as accidental damage. For example if you clipped your car when pulling out of a driveway, you could claim on your insurance to repair what damage had been done.

    Comprehensive car insurance also covers damage to your car when it can be hard to prove who the culprit was. An example of this could be that you’ve come of out of your house to find someone has put a dent in your car door and driven off without leaving their details.

    Is comprehensive insurance expensive, do I need it?

    In some cases comprehensive insurance does not cost a lot more than third party only, and third party fire and theft.  So although you might be saving a few pounds, when buying a cheaper alternative, you could also be losing out on a lot of cover.


    What are the perks of being with esure?

    • No Claim Discount Protection for Life – We like to give back to our eligible safe and sensible drivers by offering a protection add-on that you can buy whenever you insure with us. This keeps your No Claim Discount the same, even when you have to make a lot of claims
    • No claim bonus is kept intact if somebody has damaged your car in an act of vandalism – If somebody has maliciously damaged your car, just report it to the police and get a crime number when you need to make a claim
    • Pay for the cover you need – If you want to add optional extras such as breakdown cover and motor legal protection, you can
    • Motoring legal advice when you need it – All our customers have access to a 24-hour helpline if they need to talk about any legal motoring problems