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Review of the esure, Car insurance:

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Read their general policy guidelines!

I agree that their cover looks competitive. Unfortunately I only read the reviews on their prices and didn't read reviews on how they handled claims. I took out home insurance with esure including accidental damage, 24-hour emergency cover, and all the usual protections — expecting to be covered for common household problems like leaks. A leak appeared from the bathroom into my kitchen. Despite only having moved into the house 2 months ago with no way to know of any hidden defects, esure immediately denied my claim, citing “poor workmanship” from a previous owner and apparently they don't cover for that. Worse still, I wasn't given the opportunity to submit my complaint in writing until after it had already been passed to the complaints department, which I discovered when I rang to check when a Manager would be calling me. I’ve since sent in a written complaint and have asked simply for a receipt that this has been received, and have followed up multiple times but still not received any acknowledgement of this. I am without a properly working bathroom and can’t carry out repairs without fear of invalidating my cover, but I am aware that they can take up to 8 weeks to reply. They are aware that I only have the 1 bathroom and that this is not in full working order. The exclusions are applied so strictly that it feels almost impossible to get support for real-world issues. I’ve since discovered that other insurers may still cover the resulting damage even where workmanship is excluded — but esure has taken no such approach. Even if you are covered for accidental damage and leakage of water - check your exclusions. They exclude:- leaking / burst pipes - classing that as wear and tear. Leaking from taps that have been left running. Damage caused by any work being carried out. Floods. Sealant failure. And poor workmanship. I cannot see any way in which leaking of water would actually be covered. I urge others to read the fine print very carefully — and consider how the exclusions may leave you exposed when you need help the most. And don't just check your policy documents - they may not all be on there. Check their general policy for the fine print. Reviewed on: 10th July 2025

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