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Esure: Car Insurance reviews

Name: Car Insurance
Rating: 2.11 (393 reviews)

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1.70

Based on 393 reviews, last reviewed 1st Apr 2025

100% decrease in 5 star reviews

in the past 90 days

167% increase in 1 star reviews

in the past 90 days

18%

10%

66%

Latest highest rating:

5

I have not had to claim on E-Sure but my experience... I have not had to claim on E-Sure but my experience has been straight forward so far. Reviewed on: 14th October 2024

Latest lowest rating:

1

Worst insurance company One of the worst insurance company ever. It’s been almost over half a year that they are dealing with my claim. Their advisors don’t respond properly ... Read more Reviewed on: 1st April 2025

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About this product

Here at Smart Money People, we collect Esure car insurance reviews from genuine customers to help you make an informed decision when selecting your next provider.

Esure was founded in 2000, but quickly grew. As well as selling insurance policies directly to customers, by 2011 it also allowed insurance brokers to sell its products too. The company offers car, home and travel insurance policies, with varying levels of cover available when insuring a vehicle. Esure also offers a multi car policy and insurance for electric vehicles.

Are you looking to insure an electric car? See what our Smart Money People community have to say about Esure’s electric car insurance by checking out the reviews. Perhaps you need cover for your car key, or want the security of misfuelling cover. What about legal protection, or breakdown cover? Whatever you need from a policy, read the Esure car insurance reviews to see how real customers have rated their policies with the brand.

Have you had a car insurance policy with Esure? Consider leaving an honest review to help us increase trust and transparency in financial services. Tell us how you found the sign-up process - was it simple, or did it perhaps take slightly longer than you’d anticipated? Were you satisfied with the cost of the premium for the level of cover you received? Did you have to make a claim, and if so, how well did Esure deal with it? Write an Esure car insurance review today to help other drivers just like you.

Esure Car Insurance reviews (393)

Review of the Esure, Car Insurance:

Absolute joke from start to finish.

Absolute joke from start to finish. Car was stolen from outside my house- arguably, that wasn’t the most stressful thing to have happened- dealing with ESure was. Waited over an hour on hold, finally got through to someone who took all the details and booked in a call with the theft department for 9:30-10:30 the following morning and I was told a call from Enterprise for the courtesy car would follow ‘any time now’. This was at 9am. By 3pm, I hadn’t heard from Enterprise so gave them a call directly as I was without a car. They hadn’t received the referral. Spent another hour and a half on hold to ESure who said they had not sent the referral properly but would do it now. Raced to get a car from Enterprise after waiting around all day, just before closing. The following morning arrives and 10:30am comes and goes and there is no call from the Theft Department. Spent another 90 mins on hold only to be told that they were unsure as to why I didn’t get a call but the only option would be to book it in for the following day at 11am. After much arguing, I reluctantly agreed and went about my day, only after having to repeat all the information I had previously given as it hadn’t been recorded . 4pm the same day arrives and I receive a call from an agitated member of the theft department demanding to know why I hadn’t answered my phone for the call at 4pm. When I explained it was actually booked for 9:30 that morning she said they don’t take calls then and I was mistaken. I forwarded her the confirmation email and she didn’t apologise, just said she’d ’pass it on’. We conducted the interview (where I was made to feel like a criminal) and then I forwarded the documents on that evening. Over 2 days I’d spent well over 6 hours on the phone to ESure. We were told that once the documents had been sent over, it would be approx 4 weeks for a settlement to be agreed. Car hire is only for a max 21 days (told absolutely no chance of extending) so is virtually useless in that regard! Chased them after sending documents over (knowing how useless they are) and was told that they hadn’t received any. 5 attempts later, still received nothing. Not sure a generic email inbox is the best way to deal with thousands of claims and personal documents. Contacted them daily through the live chat function (actually pretty good and much better than waiting on hold for hours on end). We were given countless contradictions and vague responses, asked to provide pictures of the damage to the car when it had been stolen, not damaged. We were told the contents email we had provided three times could not be found and that they would not be contacting us about a settlement claim as they were waiting to see if the car had been recovered- the police had closed the case! Nobody was looking for the car so it wasn’t likely to be recovered. It appears they were sticking an arbitrary time frame on it just to stall the pay out process! After I’d had enough, I emailed every member of the senior leadership team and got a relatively prompt response from the CEO of Claims who put me in touch with Donna. She agreed to extend my car hire and chased the claims department and was the one good cog in a failing machine. It’s now the 30th January and they have just offered their final settlement- nearly £3000 less than market value. We are now going via the Ombudsman and will be contacting BBC Watchdog as their processes are so poor and we know we’re not the only customers to have had issues. If you can afford to go with a more reputable brand, I really do urge you to do so. Reviewed on: 30th January 2024

Worst insurance company

One of the worst insurance company ever. It’s been almost over half a year that they are dealing with my claim. Their advisors don’t respond properly over the phone; they don’t answer emails. I have been with other insurance companies in the last 12 years and they all were amazing but this is the worst one out there Reviewed on: 1st April 2025

Expensive and very poor customer service

Wanted to change vehicle and they quoted £650 when the policy only had 6 weeks to run. For a lower price, lower insurance group car with half the power! Instead, I insured with Admiral for £525 for 12 months and got £100 back from esure when I cancelled thir policy. I now have the costs to make changes from Admiral and they are 10 times lower than Esure. Just don't use them - awful insurance company and there are so many better options. Reviewed on: 20th March 2025

Poor Customer Service & Complaint Handling

I recently had an extremely frustrating experience with esure’s customer service via webchat. I attempted to cancel my policy due to a price increase, only to be met with dismissive responses, contradictory information, and a complete lack of empathy. Inconsistent Information – The agent initially said complaints could be logged but later refused, claiming company policy. No complaint reference was provided, making it impossible to track. Lack of Empathy – Rather than addressing my concerns, the agent repeatedly stated “this is how esure does things”, showing no effort to assist or acknowledge my frustration. No Proper Complaint Process – I requested written confirmation of my complaint but was told esure does not provide email support for complaints, forcing me into a callback I didn’t want. Unprofessional & Dismissive – The agent’s tone was unhelpful, and I was given no flexibility or alternative solutions. As a customer service manager myself, I was shocked by the lack of professionalism. Overall, esure’s service was rigid, unaccommodating, and made an already frustrating situation worse. I’ll be taking my business elsewhere and raising my concerns with the Financial Ombudsman. Avoid if you value good customer service! Reviewed on: 10th March 2025

Same as other people on here they have taken my exce...

Same as other people on here they have taken my excess which had been waived but won’t give it me back untill 3rd party admit liability. 3rd party has admitted liability to minster law but ensure say the need more information so they need to get it instead of writing more and more confusing emails they are a waste of space! Reviewed on: 5th March 2025

Charged me £15 just to update an address

Charged me £15 just to update an address, something that could take seconds and be done myself online. Instead you have to spend ages talking to a robot, then talking to customer services. Absolutely won't be renewing next year if they are to treat customers like this. Avoid. Reviewed on: 14th February 2025

Absolutely terrible customer service.

Absolutely terrible customer service. None of them have a clue what they are doing. I have tried multiple times to make simple changes to my policy and get told a different story every time. I almost positive they are using AI and lying as no one can be this useless. God only knows what would happen if you had a claim. Reviewed on: 12th February 2025

Possibly one of the worst insurance companies to go...

Possibly one of the worst insurance companies to go to with. I was in an accident that was found as no fault to me and I paid my excess at the time and was told I would be refunded it once the claim had closed. The claim was closed and there was no communication of anything past that. After I contacted them I was told it would be an automatic refund. Then I was told I had to get proof the excess was paid. Then I was told I had to contact the other persons insurance company to receive the refund. THEN I was told I possibly had to contact a 3rd party insurance to claim the excess back? And finally I was given proof that I paid my excess from Esure that I had to pass on the other drivers insurance company but Esure put the wrong monetary amount on it so then I had to go through the whole thing again to get it amended. You will be left to do all the legwork with this company and don’t expect any communication about anything. I’ve been trying to get my excess refunded for about 3/ 4 months now and I’ve received better help from the other drivers insurance company than my own. I will not be renewing my insurance with this company. Reviewed on: 5th February 2025

If I could give a zero I would

why is that you’re so completely useless? Have continuously mucked up my sons claim, said you were going 50/50 because you couldn’t be arsed to get the cctv offered. Offered a hire car for 5 days once my money had gone in, and now 2 days later say it needs to go back today. You’ve then said that it’s extended until the 31st and then sent me an email immediately to say that it ends today. Do you actually know what you’re doing? I ask for call backs that never materialise. You tell me that you’ve phoned me on a land line which doesn’t exist. You tell me that you’ve phoned me on a land line which doesn’t exist. This has now all been logged with the Financial Ombudsman Reviewed on: 24th January 2025

Never again, very poor service.

Never again, very poor service. Reviewed on: 10th December 2024

Beware: A Nightmare Experience with Esure

I took out an insurance policy with Esure via a comparison site on October 7, choosing them based on cost. Shortly after, they emailed me asking for documents to confirm my details—but these emails went straight to my spam folder. By the time I checked, my policy had been abruptly cancelled on October 23 (just 16 days later) without any direct notification. They only refunded £371.53 out of the £414.56 I paid. When I reached out to resolve this and requested they remove the damaging “policy cancelled” mark from my record, they asked me to send in the required documents, which I promptly did. Despite my cooperation, they replied that they still wouldn’t remove the mark due to an alleged “failure to disclose” an SP30 offense—not even mine but from a named driver on the policy. I’m fairly certain I included this detail when signing up, but even if I had missed a box on the lengthy online form, it was an honest mistake. Why would I send them the DVLA summary showing the SP30 if I wanted to “non-disclose”? When I mentioned taking the issue to the ombudsman, their story suddenly changed—they updated the record from “documents not provided” to a “non-disclosure of penalty,” making it clear they were determined to label me negatively regardless of the context. If you value transparency, customer support, and common sense, I strongly recommend staying away from Esure and its sister brands: Sheila’s Wheels, First Alternative Insurance, and Esure Flex. This experience was frustrating, financially unfair, and shows their unwillingness to support customers in even minor, honest oversights. Reviewed on: 31st October 2024

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