Esure Car Insurance Review

As the name of the company Esure suggests; this is an online car insurance company. Before starting this article I didn’t really know much about them other than the fact that they appear on the TV ads from time to time. I’m glad that I have done some research for 2 reasons:

  1. How an earth could I write this article without it!
  2. I have discovered that Esure car insurance is actually a pretty good company to go for if you are in the market for a new or renewable car insurance policy.

When you load their webpage it is set out in a really simple and clean way and it’s easy to find the information that you want before actually asking them for a quote, which incidentally can be done online and within minutes. I’m a bit of an anorak when it comes to making sure that I know everything about a company before I choose to use them; especially if they operate online. When I clicked into the frequently asked questions on Esure’s website I was faced with up to 23 different questions that all have comprehensive answers to them. Here are a chosen few to show you just how good this section of the Esure car insurance website is:

  1. Is it possible for Esure to insure me? This is a question (in my opinion) that everyone should find out the answer to before going down the route of obtaining a quote. This is most important if you happen to be in your late teens or are in your twilight years. The answer from Esure is simple; you can get a car insurance policy with them if you are aged 21 to 80. However, if you fall outside of this age bracket they will refer you to a company that can help. I thought this was very generous of them as most other car insurance companies just say “no” and leave it at that.
  2. What if you don’t have a registration number? This actually happened to me recently which is why I am glad I have been asked to write this article. I’ve been having some real bother trying to find a car insurance company that will give me a quote without a registration number. You may well be thinking “why an earth are you looking for a car insurance policy without a registration number”? Well, the answer to that one is that I am thinking about changing my current vehicle and the cost of the insurance for the new one will determine which model I go for; I’m sure there are many of you that will make the decision on a new car in the same way. Esure car insurance recognises that this can happen and will happily give you a quote without a registration number.
  3. How do you pay for your car insurance policy? Well, with Esure car insurance, the sky is the limit really. You can choose to pay by credit card, direct debit and you can even pay online using their own protected payment server (sorry, that last one got a bit technical) but I’m sure you get the idea. When it comes to how much you pay, again, this is up to you. You can pay the whole lot in one go so you don’t have to worry about it again until it’s time to renew your car insurance policy or you can pay in instalments which are spread across 12 months.
  4. Do you need to prove your no claims discount? Of course you do! I found this question slightly obscure as I can’t understand why anyone would feel the need to ask but there you go Esure obviously felt the need to add this one to their list.
  5. What about no claims discount for life? Now, this one I can understand people asking. There are certain conditions that apply and this will cost you a little but extra however, as far as I am concerned this is definitely worth considering. Esure car insurance will protect your no claims discount for life (unlike many other car insurance companies) and it doesn’t matter how many claims you make. Do bear in mind that this snippet of information has been condensed into a few sentences and that you should make sure you understand the requirements to benefit from this under your car insurance policy. After all, I haven’t been asked to write a legal document about how Esure car insurance works!

So, those are just a select few of what you can expect to find on the FAQ section of the Esure car insurance website. What I am going to deal with next is just what you get with an Esure car insurance policy. Here goes, by the way, the benefits listed below come as standard with an Esure car insurance policy.

  1. If you are new customer to Esure, they will give you a discount when you take out a car insurance policy with them.
  2. If your car is involved in a smash and needs to be repaired, Esure will give you a courtesy car to use whilst yours is in the garage. However, make sure that you use one of the garages that Esure recommends.
  3. Windscreens can be a right pain in the proverbial, they are exposed to stones flying up from the road and they chip and not only that once you have a chip you are at risk of your windscreen shattering. If you need to replace your windscreen Esure will do this for you under your car insurance policy and there will be no excess to pay. Again, you will have to use one of their preferred windscreen replacement companies.
  4. No claims discount for life aside, under an Esure standard car insurance policy, you will have the option to build up as much as 75%
  5. Esure car insurance proudly announces that their call centres are based in the UK, so no more problems with a language barrier!

Those are the benefits you can expect to achieve as standard when you take out and Esure car insurance policy. It doesn’t stop there, there is more! Here is a list of some of the optional extras that you can take out with them:

  1. Assistance when you breakdown – Esure advertises the fact that they use Green Flag for this part of their car insurance policy. This is a trusted name throughout the UK and they have been saving people from breakdowns for over 40 years now. When you add this to your car insurance policy you can expect to get the following:
  • On average the response time will be about 40 minutes, for those of you that are more vulnerable, Esure will do their best to make sure that you are a priority.
  • If a mechanic doesn’t make an appearance within 1 hour, you will get £10 back by way of an apology.
  • It will not matter what time of day or what time of year it is, you will be able to call for breakdown assistance; Green Flag operates 24 hours a day 365 days a year.

There are many other options that come with this part of Esure’s car insurance policy, however, I have just noticed that I am running out of the number of words I’m allowed to use here and need to tell you a bit more about what else you can benefit from when you have an Esure car insurance policy.

  1. Legal Protection – This is an important part of any car insurance policy if you ask me. You may not know but it is possible for you to have an accident that is not your fault and still find that you have to reach for your wallet. If you add this to your car insurance policy Esure will protect you from this situation to the tune of £50,000! This includes covering any excess, solicitor’s fees, personal expenses (within reason of course), uninsured losses, loss of earnings and any expenses that may arise should you need to go to a tribunal or court.
  2. Personal Injury – Now this part of Esure’s car insurance policy I really like. If you, your passengers, any named driver or your partner are injured in your car Esure will cover the costs. Not only that and, this is the best bit…..you will also be covered if you happen to be injured as a passenger in someone else’s vehicle! I honestly do not know of any other car insurance company that will do this.

I could go on about Esure and their car insurance policies; however, I hope this article has given you an insight into what they can do for you when it comes to choosing a car insurance policy. Why not take a look at their official website today? I’m sure that like me, you will be impressed with both the price and the benefits you can receive.

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