esure

esure is a large UK insurance company that owns other brands, including Sheila's Wheels and First Alternative. It was founded in 2000.

They provide car, home, and travel insurance. 

Their headquarters are based in Surrey, UK.


esure
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Car insurance

Ranked 34th of 52 providers reviewed.

Customer happiness 59.67%
Customer trust 48.8%
Complaints performance 76.79%
Transparency rating 70.75%
Fairer Finance score
Reviewed Autumn 2022
64%

Home Emergency Cover

Ranked 24th of 24 providers reviewed.

Customer happiness 42.39%
Customer trust 38.04%
Complaints performance 72.26%
Transparency rating 59.46%
Fairer Finance score
Reviewed Autumn 2022
53%

Home insurance (building and contents)

Ranked 41st of 48 providers reviewed.

Customer happiness 54.97%
Customer trust 47.1%
Complaints performance 76.86%
Transparency rating 60.94%
Fairer Finance score
Reviewed Autumn 2022
60%

Travel insurance

Ranked 30th of 38 providers reviewed.

Customer happiness 47.02%
Customer trust 37.5%
Complaints performance 64.16%
Transparency rating 54.04%
Fairer Finance score
Reviewed Autumn 2022
51%

Car insurance

esure

Motor Insurance (with breakdown, keycare and replacement car)

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £15.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

esure

Motor Insurance

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £15.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home Emergency Cover

esure

Home Emergency

3 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £25.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i 15 years
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i 15 years
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £25.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 30

Home insurance (building and contents)

esure

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £75,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £750.00
Replace belongings new for old i
Trace and Access i Sum Insured
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £575.00
Compulsory excess (Contents) i £125.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i Unlimited
Contents Cover limit i Sum Insured
Underwriter esure
24hr helpline i
Unoccupied period i 30
Protection against inflation i
Repairs guarantee i
Amendment fee i £20.00
Cancellation fee after 14 days i £58.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £20.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection Sum insured
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents £2,500.00
Visitor's Possessions Sum Insured
Out in Open Cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £10,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 56 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 56 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 56 days
Cover for Home Emergency i Optional
Cover for legal protection/expenses i Optional
Cover for items away from home? i Optional
Personal possessions cover whilst living in a nursing home or residential care setting i Sum Insured
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph

Buildings insurance

esure

Home Insurance

2 stars
Trace and Access i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £75,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum insured
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Escape of Water (Plus Compulsory Excess) i £575.00
Buildings Compulsory Excess i £125.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 30
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £58.00
Amendment fee i £20.00
Property owner liability i £2,000,000.00

Contents insurance

esure

Home Insurance

1 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £2,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £750.00
Alternative accommodation cover limit for contents i £10,000.00
24hr helpline i

Travel insurance

Annual multi-trip insurance

esure

Extra

5 stars
Medical excess i £70.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £400.00
Combined passport & travel cover limit i £300.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

esure

Classic

4 stars
Medical excess i £95.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £12,500,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £300.00
Cutting trip short cover limit i £3,000.00
Abandoning your trip cover limit i £3,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days

esure

Essential

3 stars
Medical excess i £150.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000.00
Cancelling before travel cover limit i £1,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £200.00
Combined passport & travel cover limit i £250.00
Cutting trip short cover limit i £1,500.00
Abandoning your trip cover limit i £1,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 22 days

Single trip insurance

esure

Extra

5 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £400.00
Combined passport & travel cover limit i £300.00

esure

Classic

4 stars
Cancelling before travel cover limit i £3,000.00
Medical excess i £95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short cover limit i £3,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £12,500,000.00
Personal money i £300.00
Combined passport & travel cover limit i £300.00

esure

Essential

3 stars
Cancelling before travel cover limit i £1,500.00
Medical excess i £150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short cover limit i £1,500.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £1,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £200.00
Combined passport & travel cover limit i £250.00

Travel insurance add-on: cruise cover

esure

Essential

1 stars
Missed port departure cover limit i £500.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £250.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £300.00

esure

Classic

1 stars
Missed port departure cover limit i £750.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £375.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £500.00

esure

Extra

1 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £750.00

Travel insurance add-on: winter sports

esure

Extra

5 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £1,000.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £70.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

esure

Classic

4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400.00
Avalanche closure cover limit i £400.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £95.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £400.00

esure

Essential

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £250.00
Ski equipment owned excess i £150.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £250.00