Phone
You can contact the esure car insurance customer service team by phone on 0345 045 1000. Its opening hours are:
Mon to Fri 8am - 8pm
Sat 9am - 5pm
Sun 9am - 2pm
esure car insurance
Compare esure car insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is esure car insurance?
esure is a well-established UK insurer with over two million customers and a strong reputation for straightforward, online-first policies. It holds an ‘Excellent’ rating of around 4.3 out of 5 on Trustpilot, based on tens of thousands of reviews, with customers often praising its competitive pricing and simple sign-up process.
Independent research by Which? awarded esure a claims score of 77%
What is the Defaqto rating for esure car insurance?
Defaqto is a leading independent reviewer of financial products. esure's fully comprehensive car insurance policy receives a five-star Defaqto rating for features and benefits, while its third-party, fire and theft policy receives four stars, and its lower-tier Flex policy is awarded two stars.
esure Standard Insurance
⭐⭐⭐⭐⭐^
esure Flex Insurance
⭐⭐^
esure TPFT Insurance
⭐⭐⭐⭐^
What will an esure comprehensive car insurance policy cover me for?
If you choose a fully comprehensive esure car insurance policy, the following is included:
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Uninsured Driver Promise
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Personal Accident Cover
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Medical Expenses
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Driving Abroad
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Fire and Theft
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Damage to your car
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Damage to other people's cars and property
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Courtesy Car
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Replacement Child Car Seat
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Windscreen replacement
How much do esure car insurance policies cost?
These are the average prices of esure car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
esure Flex
£695^
Fully comprehensive
esure
£506^
Fully comprehensive
esure Flex
£707^
Third party only
esure
£185^
Third party only
What is included in esure comprehensive Car Insurance?
esure's comprehensive Car Insurance policy offers a few extras that aren't included in its lower-tier Flex policy, such as:
Personal belongings cover
Stolen keys cover
Cover for non-original nav and audio equipment
Cover for hotel expenses in the UK
Double cover for personal accidents
Is esure Car Insurance Plus or Premier worth it?
Choosing esure's main comprehensive car insurance policy may be a better option compared to its low-tier Flex policy, owing to the extra cover it provides for personal accidents, personal belongings, and things like stolen keys and audio equipment.
However, its Flex policy still offers plenty of the same features that the standard one does, such as cover for windscreens, new car replacement, and child seat cover. It's also worth noting that many extras are only available as add-ons, such as breakdown cover and motor legal protection, regardless of the policy you choose.
You could consider taking certain policies out separately - MoneySuperMarket research has found that the average cost of buying separate breakdown cover (across all breakdown providers) is £27
Is esure the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of esure car insurance to help you make your decision:
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Pros of esure car insurance
Strong claim satisfaction score of 77%
^ from Which?Excellent Trustpilot score of 4.3 from over 60,000 reviews
Comprehensive policies rated five stars on Defaqto
Standard comprehensive cover includes cover for keys, personal belongings, and hotel expenses
All comprehensive policies include a courtesy car, uninsured driver promise and windscreen cover
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Cons of esure car insurance
Customer complaints about delays or communication during claims
Breakdown cover, motor legal protection and key cover only available as add-ons
Flex policy doesn't offer cover for personal belonings
How does esure car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. Many providers also offer higher-tier options, which will include more features for an extra cost.
esure | RAC Online | AA Silver | Swiftcover Plus | |
|---|---|---|---|---|
Price | £506^ | £309^ | £380^ | £415^ |
Defaqto rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 77%^ | 83%^ | 75%^ | N/A |
Claims payout rate | N/A | 99% | 99.6% | N/A |
Uninsured driver promise^ included? | Yes | No | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | Agent assisted £27, online £15 | £15 | Free online, otherwise £25 | £25 by phone, free online |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is esure a good car insurer for young drivers?
esure is a well-established UK insurer with a strong reputation for simple, online-first policies and solid customer satisfaction scores. Its policies also have high ratings on Defaqto, and the provider is highly rated on Trustpilot with a score of 4.3.
However, it is not typically the cheapest option for new drivers. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
esure offers learner driver insurance for provisional license holders looking to get insured on their parents' car, but you'll need to be at least 21 years old. However, if you're searching for black box (telematics) insurance or temporary car insurance, you should look for other providers.
How do I contact esure?
💡 Top tip: If you bought your esure car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Web Chat
You can live chat with online agents for help with your car insurance, regardless of your policy type.
Agents are available Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 9am-2pm.
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Online
Log in to the Account section of the esure website or use the esure app to view your policy documents and make changes.
These online portals are available 24/7.
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Post
You can write to the esure customer service team at the following address:
esure
The Equinox
19 Cadogan Street
Glasgow G2 6QQ
United Kingdom
How do I make a claim with esure?
If you need to make a claim on your esure car insurance policy, contact esure as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
esure claims line:
0345 603 7872
Opening hours:
Mon: Fri 8am - 8pm
Sat: 9am - 5pm
Sun: Closed
Can I cancel my esure car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with esure directly. You cannot cancel via MoneySuperMarket.
You can cancel your esure car insurance online via their website or app.
Can I cancel my esure car insurance at any time?
Yes, you can cancel your esure car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does esure charge fees for cancelling car insurance?
Yes, esure charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: £29 admin fee
More than 14 days after the policy starts: £67 admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my esure car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does esure sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare esure car insurance against policies from up to 197
Is it cheaper to buy esure car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as esure compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare esure policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my esure car insurance policy?
If you bought your esure car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your esure car insurance policy on the esure customer portal by logging into your account.
Will I be charged if I make a change to my esure car insurance?
Yes, esure charges a £15 administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.
Can I add other drivers to my esure car insurance policy?
Yes, you can add named drivers to your esure car insurance. To add a driver to your esure car insurance policy, log into your esure online account and go to the policy overview page.
Adding extra drivers to your esure car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does esure car insurance include breakdown cover?
Diamond car insurance policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee. It's provided by the RAC, however you can also buy breakdown cover separately from a different provider if you have Diamond car insurance.
How do I renew my esure car insurance policy?
Most esure car insurance policies will be set up for auto-renewal. This means that after your existing contract ends esure will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. esure must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your esure cover to auto-renew, you need to inform esure before your policy end date. You can do this through your esure account.
Before letting your esure policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my esure car insurance in monthly instalments?
Yes, you can pay for your esure car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is esure?
esure is a UK-based insurer founded in 2000, known for its online-first approach and straightforward policies. It focuses mainly on car and home insurance, with a strong presence on price comparison websites.
The company serves over two million customers and is part of the wider esure Group, which also includes brands like Sheilas’ Wheels. It has built its reputation around offering simple, competitively priced cover, particularly for lower-risk drivers, while esure also offers home and travel insurance.
Who underwrites esure insurance?
esure car insurance is primarily underwritten by esure Insurance Limited, meaning it both sells and underwrites its own policies rather than relying on a panel of external insurers.
Policies are arranged and administered by esure Services Limited, which handles things like setting up your cover, renewals and customer support.
Some optional extras (such as breakdown cover or legal protection) may be provided by third-party partners, but the core car insurance policy itself is underwritten in-house.
This is slightly different from brands that use a panel of insurers, and can mean a more consistent experience across pricing, service and claims.
As with any insurer, it’s still worth checking your policy documents so you understand exactly what’s included and who is responsible for each part of your cover.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 6 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on car insurance policies sold through MoneySuperMarket between January 2026 and March 2026 where the user requested Breakdown Cover and it wasnt included as standard cover.
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Source: Which?, 2026, Will your car insurer let you down when it matters most?,
Accurate as of 05 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from esure may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Four stars is for 'A product with a good level of features and benefits.
Individual insurance products from esure may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Two stars is for 'A product offering fewer than average features and benefits'.
Individual insurance products from esure may have different ratings. Data from the Defaqto website. Data from April 2026.
