Top toolbar Retrieve quote Claim Help Log In Main navigation Car insurance Home insurance Other products On Car insurance You could pay £388 or less, 50% of our new customers did between July – December 2020 24/7 accident helpline Windscreen cover Courtesy car Retrieve a quote Get a quote Existing customer? My Account log in Change your policy details Renew policy Make a claim Policy booklets Green card Log in 0 Off Off Why choose esure Comprehensive Car Insurance? Off 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 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 We paid out 98% of claims - *completed Car Insurance claims in 2020 Off Get a quote Off What level of cover should you choose? Well, that depends on what you’d like the car insurance to cover. We’ve included more information below so you can get a better idea of what type of car insurance might be best for you. On Third Party Only This is generally the lowest level of car insurance cover offered by insurers. It covers the damage done to another driver’s car or property, and payment for any injuries the other driver may have received, in an accident that was your fault. Just so you know, the lowest level of cover that meets the legal requirement for driving on UK roads is Road Traffic Act cover. This is rarely issued and doesn’t differ greatly from Third Party Only. esure doesn’t offer Road Traffic Act or Third Party Only cover. Third Party, Fire and Theft This is the lowest level of car insurance offered by esure. It expands the cover offered by Third Party Only to include cover if your car’s stolen or damaged by fire or theft. Fully Comprehensive This is the highest level of car insurance available from esure and covers everything Third Party, Fire and Theft offers, plus it covers you and your own car in the event of an accident. Among other things, it could also provide cover against accidental damage that you have caused to your own car. Off Get a quote Off Boost your cover Off Motor Legal Protection 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. READ MORE Off Breakdown Cover Our wide range of Breakdown Cover options are offered with our partner the RAC. READ MORE Off 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. READ MORE Off Personal Injury 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. READ MORE Off Key Cover If your keys are lost, stolen or damaged, you can call our partner, the RAC, who’ll help you retrieve, repair or replace them READ MORE Off 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.) READ MORE Off How do you get a quote? The 5 things we’ll need to know If you’d like a car insurance quote from us, we’ll need some information from you. Once we’ve got it, we’ll use it to work out any risk associated with insuring you and prepare a quote. Here’s what you’ll need: On 1. Your personal information To get started we’ll need your name, date of birth, contact information (so we can email your quote to you), occupation and a few other personal details. 2. Your driving history You’ll also have to answer a few questions about your claims history, whether you’ve any previous driving-related convictions, what type of licence you hold, and how many years No Claim Discount (NCD) you’ve got. 3. Details about your vehicle This will include the make and model, who owns it and who’s the main driver. 4. Information about how you use your vehicle. As well as your vehicle’s class of use (see below)*, we’ll also need to know an annual mileage estimate and where you park your vehicle. 5. Details about additional drivers If you’d like to add anyone to your policy as a named driver, simply give us their details and we’ll take it from there. Off *Class of use categories are: Social, Domestic and Pleasure (SDP), Social, Domestic and Pleasure + your commute (SDP&C), SDP&C and business use by you, SDP&C and business use by you and your spouse or partner, SDP&C and business use by you and another driver. So, if you just use your car to drive around town, visit friends or for the school run, choose Social, Domestic and Pleasure. However, if you also commute to work (even if your car’s parked at a train station most of the day), then SDP&C would likely be the best option for you. And if you use your car for business, choose from one the three options that fit best. Off Get a quote Off What affects the price of car insurance? There are lots of things that insurers take into account when it comes to your car insurance quote. We’ll look at all your details to work out how likely it is that you’ll make a claim and what that might end up costing. Once that’s been looked at, we can calculate your quote and get you the best value price we can on your car insurance. Always make sure you get the right cover to suit your needs as sometimes the cheapest car insurance might not always be the best. So, what actually can influence your insurance premium? Things related to you and your car WHERE YOU LIVE If you live in an area that reports larger numbers of accidents, like built-up and highly populated areas, you may find this affects the price of your quote. Just as high crime rates might have an affect too YOUR AGE Though it’s not always the case that younger drivers have less experience, statistically they are a higher risk and typically can end up paying more for their car insurance. Usually experience comes with age and therefore, you could see a reduction in your premium the older you are YOUR DRIVING HISTORY If you’ve had any claims in the past five years (regardless of who was at fault) you may end up paying more for your premium. If you haven’t made any claims and qualify for a No Claim Discount (NCD), this may help to reduce the cost CAR USAGE Parking your car on your driveway may mean it is safer than being parked on the road overnight, especially if it’s a busy road. Things like this, and whether you use your car for social (popping out to see friends or going to the shops), commuting (going to and from one place of work) or business (client meetings or travelling to different offices) are all taken into consideration. As is how many miles you will drive annually YOUR CAR The make and model of your car will have an impact on your insurance premium. For example, high performance cars and modifications can increase your cost, as parts can be more expensive, this could also be the case for rarer cars too YOUR INSURANCE COVER The cost will change depending on what level of cover you choose. So, if you’ve opted for Comprehensive over Third Party, Fire and Theft, or added Optional Extras like Breakdown Cover or Motor Legal Protection, you could see the cost of your cover change NAMED DRIVERS If you’re adding Named Drivers to your policy, we’ll look at their driving history too, so bear that in mind as this could also have an affect on your price Events relating to the car insurance market and country CLAIMS IN THE MARKET It's not just your claims that can affect your premium. The amount of claims being made overall can have a knock on effect, as well as the types of claims that are being made REPAIR COSTS As mentioned above, more expensive cars can mean more expensive parts for repairs. But the cost to manufacture parts could also go up, as can the cost for labour too. LAWS, REGULATIONS AND TAXES Changes to these can mean a lot of different things for insurers and drivers, including having an affect on costs and types of claims. Recent examples include: Insurance Premium Tax (IPT) in 2017 which is added to all car insurance policies, and the 2021 Whiplash Reforms BAD WEATHER Severe weather can put a dampener on anyone’s day, but areas that suffer from heavy rain, snow or icy conditions regularly can see increased accidents and claims, which can lead to an increase in premium Off Frequently asked questions CAN I DRIVE ANOTHER CAR ON MY INSURANCE? WHAT’S A NO CLAIM DISCOUNT (NCD)? WHAT’S AN EXCESS? CAN I INSURE TWO CARS IN MY NAME? HOW MUCH IS CAR INSURANCE? WHAT DOES CAR INSURANCE COVER? DO I NEED CAR INSURANCE? DO YOU INSURE ELECTRIC CARS? Off Get a quote On You could save money with esure Multicar More than one car at home? Get Multicar benefits for you, your partner and anyone over 25 who lives at the same address as you. 1 year quote promise – your Multicar insurance quote will be guaranteed for 1 year if your details don’t change. You can also add additional cars as and when you’re ready. Separate policies – if you make a claim on one policy it won’t affect the No Claim Discount (NCD) on the other. Renewal dates are also kept separate so you can insure your cars at different times. Off Get a multicar quote On Need to make a claim? Find out more about making a claim Log in to My Account to make a claim online Download the latest Policy documents: Car Insurance Multicar Insurance Breakdown Cover > Find other policy documents Off Have you got a question? Click here to check our FAQs page Off Latest from the Hub On Driving abroad in the Free Circulation Zone If you’re thinking of driving your own car within the Free Circulation Zone, you will be required to carry a Green Card with you. The benefits of driving a hybrid car Hybrid cars are becoming an even more popular choice on UK roads. But do you know the difference between a parallel hybrid and a plug-in hybrid? We’ve collected together some highlights on what they are, how they run and how to charge them, to help get you started if you’re thinking of buying a new hybrid. Understanding your car cover and when it applies After a motoring incident, the last thing you want to be worrying about is whether your cover applies. Watch our new video to find out how to keep your cover valid so you can drive safe in the knowledge that we’ve got you covered. Off Customer Support Hub – for our latest guidance and support, including information on our Covid-19 initiatives, please visit our dedicated Hub About esure About esure The Hub News centre Careers esure group Help and Support Log In To My Account Make a claim Policy information FAQs Proof of No Claim Discount The Hub In the event of a car accident, think S.A.F.E. 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