Esure review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026
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Our verdict
Esure suits UK households wanting car, home and travel cover from a direct insurer with monthly payment choice. Founded in 2000 and scoring 9.2 overall, it covers auto, home and renters with support through chat, phone and help centre.
Key facts
- Best for
- UK households seeking direct motor and home cover with monthly payments
- Insurance types
- Auto, Home, Renters, Travel, Breakdown, Gadget, Home-emergency, Legal-expenses↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Claims channels
- Phone, Online↗
- Legal entity
- esure Services Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 2000↗
- Support channels
- Chat, Phone, Help-centre↗
- Official website
- esure.com
Facts checked September 29, 2026, 5 sources
Apps and profiles
- Elsewhere
- TrustpilotLinkedInXfacebook.com
Pros and cons
Pros
- Direct insurer cover across auto, home and renters spanning motor, home, travel and add-ons
- Monthly payments are offered, with claims via phone and online and help through chat, phone and help centre
- GB regulated status under 312063 and 203350
Cons
- Support runs on chat, phone and help centre only, with email help absent from chat, phone and help centre
- Claims run through phone and online only, which limits choice within phone and online
Ready to try Esure?
Scored 9.2 / 10 by SumCue.
Who it suits
- Drivers and homeowners in GB wanting direct cover with Monthly payments yes and online claims
- Renters and travellers wanting gadget, breakdown and legal expenses options within auto, home and renters
Who should look elsewhere
- Shoppers wanting life or health led cover may prefer die Bayerische, which lists auto, home and motorcycle
- Shoppers wanting life assurance may prefer Linxea, which lists life
Safety of your money
Esure operates as insurer, so you buy directly from the underwriter. In GB it is regulated by the Financial Conduct Authority under 312063 and by the Prudential Regulation Authority under 203350. Check policy documents for limits, exclusions and how claims are assessed before you buy.
Who runs it
The provider is esure Services Limited based in the United Kingdom and founded in 2000. You can get help through chat, phone and help centre. It holds GB authorisation from the Financial Conduct Authority under 312063 and from the Prudential Regulation Authority under 203350.
How Esure compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7Oney Préstamos lists health, life and gadget, which may suit you if you want health or life cover rather than motor and home.
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7Linxea lists life, which may suit you if you want life assurance rather than general cover.
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
Where Esure is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (312063), checked September 29, 2026
- Licence in United Kingdom
- Prudential Regulation Authority (203350), checked September 29, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What cover can you buy from Esure?+
You can buy personal cover across auto, home and renters, spanning auto, home, renters and travel alongside breakdown, gadget, home emergency and legal expenses options. You deal with insurer directly. Compare inclusions, limits and exclusions across policy tiers before you choose, as cover varies by product.
Can you pay for Esure cover in monthly instalments?+
Monthly payments yes, so you can spread premiums across the year rather than paying in a lump sum. Check whether monthly payment adds interest or fees and what deposit is due at start. Always confirm the total annual cost shown at quote stage before you commit. This applies across auto, home and renters.
How do you make a claim with Esure?+
You can start a car claim by phone or online through phone and online. Have policy details, incident details and photos ready where relevant. Check policy wording for time limits, excess and hire car rules, then track progress through the channel you used.
How do you contact Esure for help?+
You can get help through chat, phone and help centre, covering chat and phone plus help centre guides for common queries. Use the help centre for policy admin and the phone or chat route for urgent cover questions. Keep policy details ready to speed up identification.
Who regulates Esure in the UK?+
In GB Esure is regulated by the Financial Conduct Authority under 312063 and by the Prudential Regulation Authority under 203350. It operates as insurer. Always check the policy schedule to confirm which underwriter covers your chosen product.
Is Esure an insurer or a broker?+
Esure is insurer, provided by esure Services Limited, so your contract is with the underwriter itself. That can simplify claims and admin versus using an intermediary. Read the policy booklet for underwriting details, limits and exclusions that apply to your chosen cover.
Sources
- esure.com checked September 29, 2026
Backs: Insurance types, Monthly payments
“Car Insurance, Home Insurance, Tenants Insurance, Breakdown, Travel Insurance”
- esure.com/contact-us checked September 29, 2026
Backs: Support channels
“Our Chatbot is available 24/7 - contact us on 0345 609 8971”
- esure.com/legal checked September 29, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“underwritten by esure Insurance Limited”
- esure.com/make-a-car-insurance-claim checked September 29, 2026
Backs: Claims channels
“You can start your claim online - contact us through 0345 606 1373”
- esure.com/our-history checked September 29, 2026
Backs: Founded
“esure was founded in 2000”
Compiled from 5 source pages, checked September 29, 2026. We did not open an account.
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