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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

3 products reviewed

Electric Car Insurance

3 products reviewed

esure

Motor Insurance (with breakdown, keycare and replacement car)

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

Flex Motor Insurance

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£15.00
Windscreen replacement excess
£100.00
Cover limit for stolen keys
£0.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
5 years
Vandalism Yes
esure

Motor Insurance

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£0.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss No
Windscreen repair excess
£15.00
Windscreen replacement excess
£100.00
Cover limit for stolen keys
£500.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
5 years
Vandalism Yes

Courtesy Car (Add-on)

1 product reviewed

esure

Car policy optional extra

Home emergency cover

2 products reviewed

Boiler Breakdown Cover

2 products reviewed

esure

Home Emergency

Feature Value
Minimum excess
£25.00
Premium (minimum excess applied)
£3.33
No claims period (Boiler)
14.00
Boiler repair cover limit
£500.00
No claims period
14.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Static
Maximum excess
£25.00
Premium (maximum excess applied)
£3.33
Underwriter
Inter Partner Assistance SA
Unoccupied period
30
Individual call out cover limit for boiler repairs
£500.00
Time limit
N/A
Temporary emergency heating
£50.00
Boiler age exclusions
15.00
No claims period for boiler replacement
14.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls Yes
Alternative accommodation cover
£250.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-05
Plumbing & drainage cover Yes
Electrical breakdown No
Pest
Optional
Security Yes
esure

Flex Home Emergency

Feature Value
Minimum excess
£25.00
Premium (minimum excess applied)
£2.92
No claims period (Boiler)
0.00
Boiler repair cover limit
£500.00
No claims period
0.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Static
Maximum excess
£25.00
Premium (maximum excess applied)
£2.92
Underwriter
Inter Partner Assistance SA
Unoccupied period
30
Individual call out cover limit for boiler repairs
£500.00
Time limit
N/A
Temporary emergency heating
£50.00
Boiler age exclusions
15.00
No claims period for boiler replacement
0.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls Yes
Alternative accommodation cover
£250.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-05
Plumbing & drainage cover Yes
Electrical breakdown No
Pest
Optional
Security Yes

Home insurance (building and contents)

5 products reviewed

Buildings insurance

2 products reviewed

esure

Home Insurance

Feature Value
Escape of water excess for buildings
£450.00
Matching sets (Buildings) No
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Covered as standard
esure

FLEX

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings) No
Frozen pipes Yes
Trace and access
£5,000.00
Underground pipes, cables and tanks
Not covered
Contents insurance

2 products reviewed

esure

Home Insurance

Feature Value
Matching sets (contents) No
Theft from outbuildings
£2,000.00
Cover for items away from home
Covered as standard
Money in the home
£750.00
Property owner liability
£2,000,000.00
Escape of water excess (minimum)
£450.00
esure

FLEX

Feature Value
Matching sets (contents) No
Theft from outbuildings
£1,000.00
Cover for items away from home
Optional
Money in the home
£250.00
Property owner liability
£1,000,000.00
Escape of water excess (minimum)
£500.00
Home Legal Cover

1 product reviewed

esure

Family Legal Protection

Feature Value
Limit of indemnity per claim
£50,000.00
Employment - employee Yes
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
£100.00
Employment - excess
£250.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
£50,000.00

Motor Key Cover

1 product reviewed

esure

Keycare

Feature Value
Cover limit for broken keys (or keys broken inside a lock)
£1,500.00
Annual policy limit
£2,000.00
Days before you can make a claim
2 days
Lost key waiting period
0 days
Onward transport cover
£150.00
Additional Keys covered Yes
Cover if duplicate keys are easily available Yes

Motor Legal Cover

1 product reviewed

esure

Motoring Legal Protection

Feature Value
Uninsured loss recovery Limit
£100,000.00
Personal Injury limit
£100,000.00
Motor Prosecution defence Limit
£100,000.00
Uninsured driver benefit No
Consumer Disputes Limit
£0.00
Database Disputes Limit
£10,000.00
Vehicle Cloning Limit
£0.00
Uninsured driver benefit (Minimum pay out)
£0.00

Personal Accident

1 product reviewed

esure

Personal Injury Benefit

Feature Value
Number of passengers covered
0
Death
£100000 (£30,000 if not at fault)
Permanent total disablement
£100000 (£30,000 if not at fault)

Travel insurance

15 products reviewed

Annual multi-trip insurance

3 products reviewed

esure

Platinum

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
esure

Gold

Feature Value
Medical excess
£70.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£12,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
esure

Silver

Feature Value
Medical excess
£100.00
Cancelling before travel cover limit
£2,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover Yes
Single trip insurance

3 products reviewed

esure

Platinum

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
esure

Gold

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£70.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,500.00
Emergency medical cover and repatriation cover limit
£12,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
esure

Silver

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover Yes
Travel insurance add-on: cruise cover

3 products reviewed

esure

Silver

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£250.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£500.00
Unused excursions cover limit
£300.00
esure

Platinum

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£500.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£1,000.00
Unused excursions cover limit
£750.00
esure

Gold

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£375.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£750.00
Unused excursions cover limit
£500.00
Travel insurance add-on: gadget cover

3 products reviewed

esure

Gadget cover (Platinum)

Feature Value
Available for which products?
Extra
Accidental loss cover Yes
Accidental loss cover limit
£3,000.00
Maximum single-item cover limit
£3,000.00
esure

Gadget cover (Gold)

Feature Value
Available for which products?
Classic
Accidental loss cover Yes
Accidental loss cover limit
£2,000.00
Maximum single-item cover limit
£2,000.00
esure

Gadget cover (Silver)

Feature Value
Available for which products?
Essential
Accidental loss cover Yes
Accidental loss cover limit
£1,000.00
Maximum single-item cover limit
£1,000.00
Travel insurance add-on: winter sports

3 products reviewed

esure

Platinum

Feature Value
Ski equipment owned cover limit
£1,000.00
Single owned item cover limit
£400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£500.00
Ski equipment hired
£500.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£500.00
esure

Gold

Feature Value
Ski equipment owned cover limit
£750.00
Single owned item cover limit
£300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£400.00
Ski equipment hired
£400.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£400.00
esure

Silver

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£250.00
Piste closure cover limit
£250.00
Unused ski pass due to illness or injury
£250.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Car insurance

Ranked 31st of 49 providers reviewed

Customer happiness score 55.61%
Customer trust score 48.87%
Complaints performance 55.33%
Transparency rating 84.29%

Fairer Finance Score

Reviewed Autumn 2026

 61.02%

Home emergency cover

Ranked 23rd of 23 providers reviewed

Customer happiness score 36.16%
Customer trust score 42.55%
Complaints performance 52.09%
Transparency rating 77.44%

Fairer Finance Score

Reviewed Autumn 2026

 52.06%

Home insurance (building and contents)

Ranked 43rd of 47 providers reviewed

Customer happiness score 53.06%
Customer trust score 47.34%
Complaints performance 55.75%
Transparency rating 75.32%

Fairer Finance Score

Reviewed Autumn 2026

 57.87%

Travel insurance

Ranked 40th of 40 providers reviewed

Customer happiness score 45.62%
Customer trust score 38.79%
Complaints performance 52.07%
Transparency rating 66.77%

Fairer Finance Score

Reviewed Autumn 2026

 50.81%