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Esure car insurance reviews 2015

Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

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Which? experts scrutinised 31 car insurers’ standard car insurance policies, and we surveyed thousands of policyholders. We've rated each policy on its key aspects to produce a Which? policy score, and our customer score is based on how the insurers were rated by their customers.

We reviewed some of the biggest insurers in the market including: Axa, Direct Line, Aviva, Saga, Admiral, Esure, the AA, Tesco Bank and More Than.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers in our customer survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews.

Best and worst car insurance
Provider Customer service Handling queries and complaints Transparency of charges Value for money Customer score Policy score Total
Dental implants insurance uk car Average car insurance rates 22 year old male What car rental insurance do i need Td auto insurance mississauga Insurance group 12e cars 77% 85% 81%

Wawanesa car insurance policy

- - - - 74% 78% 76%
Peugeot 106 first car insurance State farm car insurance payment address Mercury car insurance quotes online Cheapest cars to insure for young drivers World mastercard rental car insurance 72% 80% 76%
Car insurance test drive cover - - - Luichi car insurance 69% 83% 76%
Lapse in car insurance coverage mdes Elephant auto insurance reviews usa Get insurance quote without car Car insurance usaa Insurance remapped cars 75% 75% 75%

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Ageas car insurance claims address Post office car insurance promotional code 2013 Ano ang relihiyon car insurance Lonpac car insurance malaysia online 70% 73% 72%

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Flood damaged cars legal issues insurance marketplace Car insurance calculator online india What does car insurance group 9e mean tweets Renters insurance nj allstate car 67% 77% 72%

Suncorp car insurance claim

Best cheap auto insurance in california Car insurance for 17 year olds forum Car insurance no down payment michigan Uk car insurance rates 72% 69% 70%

Low deposit car insurance companies

Non owner car insurance uk young Adrian flux car insurance login Td visa infinite card car rental insurance Cheapest no claims bonus car insurance 64% 74% 69%
Cheap short term car insurance for new drivers Nj car insurance lapse Coverage one car insurance Churchill car insurance change of address cost Life expectancy calculator insurance car 69% 70% 69%
Best car insurance rates in ct Classic car insurance estimate Cheap insurance for cars in georgia Aa car insurance contact email Belair direct auto insurance ontario phone number 66% 72% 69%
New york car insurance no fault Asda car insurance no claims bonus proof Insured person driving uninsured car drivers Aaa car insurance company in texas Nationwide car insurance cancellation fee 66% 69% 68%
Mojito chicken sainsbury's car insurance Classic car insurance quote online ireland Shen chemi sicocxle car insurance Car insurance liability coverage limits State farm antique car insurance 65% 71% 68%
Bajaj allianz car insurance renewal customer care Selling car before insurance runs out rain Non owner car insurance florida Head to head collision car insurance Search progressive car insurance 67% 69% 68%
Great north air ambulance car raffle insurance Car insurance for young drivers with provisional license md Pacific star auto insurance Spirit car insurance queens ny Armed forces car insurance uk 65% 70% 67%
Car deals with free insurance and servicing finance Cheap car insurance for disqualified drivers Compare car hire excess insurance ukiah Gst car insurance Car insurance for young drivers with convictions def 63% 70% 66%
Car insurance claim adjuster denied claims Car insurance companies in delhi india Car theft insurance malaysia berhad How much will car insurance cost for a new driver Florida no fault state car insurance 61% 71% 66%
Khobz wrap sainsbury's car insurance Maxi car insurance conyers ga movie - Aipso car insurance Prudential insurance car insurance 61% 71% 66%
Antique car insurance ontario Auto insurance companies that don't check credit - Most reasonable car insurance companies The general car insurance commercial 2014 66% 67% 66%
Geico car insurance quotes ct Act of god insurance car Union plus car rental insurance Allianz global rental car insurance Start farm car insurance 63% 69% 66%
Florida car insurance coverage laws Multi car insurance for young drivers Over 25 car insurance uk go compare Radiance car insurance fresno ca Car insurance for learner drivers over 30 67% 65% 66%
Google compare multi car insurance - - - Top 5 cheapest cars to insure 2013 honda 66% 65% 65%
Cutting stock springs to lower car insurance Cheapest car insurance nj Day car insurance under 1 800 flowers Car insurance quotes ireland zurich Co driver car insurance 61% 70% 65%
Aig car insurance malaysia review Finance cars with insurance bmw Car insurance brokers in nc Insurance group car International car insurance for a rental car 65% 64% 65%
Infinity car insurance in lancaster - - - Lloyds tsb car insurance cashback advance 63% 65% 64%
Guide one car insurance Uk compare car insurance - Lowest price car insurance uk Driving car without insurance india 70% 55% 63%
Sainsbury's bank car insurance opening times How to save money on car insurance Is gap insurance worth it when leasing a car Admiral multi car insurance no claims Cheapest car insurance in california 63% 64% 63%
Blue cash preferred car rental insurance Cars for sale ireland private insurance Used car warranty insurance Car insurance on car rental Novera car insurance 69% 55% 62%
Self service post office insurance car Bajaj allianz car insurance renewal customer care Real insurance car quote Car insurance mandatory singapore airlines Admiral car insurance contact 63% 56% 60%
Best cars to insure for college students - - - Geico insurance car insurance phone number 60% 57% 59%
Car insurance business use direct line What car rental insurance is mandatory in mexico - - What's a premium on car insurance 58% 58% 58%
Average - - - - 66% 69% 68%

Table notes:
Customer score data based on a survey of 4,312 policyholders in December 2016. Policy scores are based on the provider's standard policy. All policies are available to the general public.
Customer score is calculated using a combination of overall satisfaction and how likelihood to recommend the provider to a friend. '-' represents where we have insufficient sample size (less than 30) to generate a star rating. Insurers must have a minimum sample size of 30 for inclusion in the table.

How we calculate customer and policy scores

We calculated the customer scores and claims satisfaction scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy including personal belongings limit, renewal fees and interest charged on payment by instalments.

The total score combines both the customer score and policy score.

Source


Car insurance is a must if you own and drive a vehicle; it really is that simple. Yet even though many of us spend hours researching the very best model to suit our needs, few put the same time into finding the right insurance cover to protect us should the worst happen.

And while price is everything for many people, if you need to make an insurance claim you may end up regretting not taking out cover with a company that charges slightly higher premiums but ultimately delivers expert service during your hour of need.

• Click here to take the 2017 Driver Power Survey

To help you make the right choice, we’ve ranked the top 25 insurers across seven key areas, from the speed at which you can take out cover to making a claim.

Along the way we’ve rated how friendly and helpful the staff are, how well they can explain the exact detail of their company’s individual products – including specialist cover – and the clarity of the terms and conditions and smallprint of the policy.

Add in how good the insurer is at keeping you informed in the event of a claim, what the overall experience is and whether its policy is good value for money, and you’ve got all you need to know about insurance.

• Cheap car insurance for young drivers: top tips

So which insurer should you go with? Before we reveal all in our top 25 countdown, we’ve uncovered a few industry-wide points that may assist you when you’re searching online or picking up the phone for a quote.

How much is your premium?

Car insurance less than 1 year

Price remains the key factor when taking out car insurance, and many drivers use comparison websites. But past experience also plays a part; a company that’s given good service before and still offers a keen quote is likely to get repeat business, and 79 per cent of you stayed with your current firm. Slightly fewer people paid less than £300 for 12 months’ cover than in 2015; a few per cent more paid up to £400. 

If you asked for a discount, how much did you negotiate?

German car insurance quote

Switch insurer and you’re likely to save – unless you negotiate with your current firm. More than 90 per cent of you scored discounts of up to 20 per cent by calling and haggling. However, the majority of Driver Power respondents tell us they still don’t do this, with just a third saying they’d phoned up to query a renewal fee. Our figures show more people should be doing it; what is there to lose, after all?

• Cheapest cars to insure

How long did it take to settle a claim?

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Only eight per cent of respondents made a claim in the past 12 months. But when you do, you want it dealt with quickly. If there’s a dispute, a claim can rumble on, but overall insurers seem to handle cases quickly, with 73 per cent settled in under two months – that’s better than a year ago. Not so great news is that, compared with in 2015, claims are more likely to stretch to a year than be settled in five months. 

The best car insurance companies 

1. NFU Mutual – 95.94%

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NFU Mutual has returned to the top of the tree in our Driver Power survey after a few lacklustre years. It’s been a serial winner before, and these latest rankings are a record high.

Three class wins and podium scores everywhere else tell you all you need to know – policyholders can’t get enough, with 100 per cent of customers saying they’ll renew with NFU. Just like our runner-up, it has local offices, suggesting the personal touch is everything. One reader said: “Local and reliable.” Another added: “There’s no mucking about when a claim arises.”

Would you renew your current policy? Yes 100% No 0% 

2. Swinton – 93.40%

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Moving up 10 places in 2015 and another nine this year to second overall is impressive form from Swinton. It’s one of the few insurers to have local branches where policyholders can talk  to staff in person. One reader said this was invaluable, telling us: “Good face to face service at the local office. Take in proof of cheaper Internet-based premium and you’ll get a better quote.”

It’s not just cheap deals on offer, either, with drivers rating its ability to keep them informed during a claim first. One said: “Excellent back-up when my wife had an accident.”

Would you renew your current policy? Yes 67% No 34%

3. Royal & Sun Alliance – 91.83%

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It’s another sterling performance for Royal & Sun Alliance as it moves back up on to the insurers’ podium. Four of its category scores rank in the top three, with 11th for keeping you informed its lowest rating. Last year, it was criticised for unclear terms and conditions, but that’s rocketed up to second now.

One happy reader told us: “It’s the best I have ever used, and is an excellent price for what I need.” This is a view that’s held by many RSA customers, with feedback such as “reasonable premium” and “professional” commonplace.

Would you renew your current policy? Yes 84% No 16%

4. LV – 90.42%

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Last year LV fell from fourth, but it’s come back strongly in 2016 with a string of excellent scores. While value for money was previously criticised, improvements have been made, and a five per cent overall score increase should be praised.

Also impressive is the near 90 per cent who said they’d renew. Strong speed to order results suggested LV’s phone and online services are top notch. One user summed up the experience: “It was easy to set up and staff are quick to answer the phone.” You say staff are friendly and knowledgeable, too.

Would you renew your current policy? Yes 89% No 11%

5. Lloyds – 90.19%

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The yoyo form of Lloyds continues for 2016 with its highest finish to date, having bounced around the midfield and bottom of the table for several years. A fifth place finish makes it this year’s highest riser and is a far cry from last place in 2012.

With a score of over 90 per cent, achieved by ranking eighth or above in every category, Lloyds would have finished in second place 12 months ago. One policyholder enthused: “They were very efficient and helpful, and the courtesy car arrangement was much better than I had previously experienced.”

Would you renew your current policy? Yes 80% No 20%

6. Ageas – 89.82%

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This insurer sells cover through a broker, and is on the march in Driver Power, having climbed by three places last year and another eight in 2016. So Ageas is comfortably in the top 10.

That’s down to a set of consistent scores, with all but clarity of information ranking inside the top 10. The best of these was keeping you informed, and customers are delighted with how much detail they got during a claim. One reader told us it “takes the strain painlessly”, while another summed up: “Competitive quote, clear documentation and strong company reputation.”

Would you renew your current policy? Yes 83% No 17%         

7. Marks and Spencer – 89.05%

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Marks and Spencer is the highest-ranked shop brand, ahead of rivals like Tesco, and is also the highest new entry for 2016.

It’s racked up an impressive set of scores, with four category top 10s including for keeping you informed during a claim and value for money. One customer who’d had to claim explained: “My case was dealt with very quickly and professionally.”

Marks and Spencer also offers a quick and friendly service when ordering, although one disappointment was product knowledge, which was ranked poorly at 22nd out of 25. 

Would you renew your current policy? Yes 75% No 25%

8. Saga – 87.90%

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At fault car accident with insurance

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The Driver Power winner from two years ago has dropped down again this year, but still holds on to a decent eighth place. The insurer – which specialises in cover for over 50s – is still keeping customers happy, with four out of five saying they’d renew again.

It performs well across the board, with no really poor rankings, and four top 10s. In fact, Saga’s overall score is up one per cent from 2015; it just lost places because other insurers have performed even better. One happy customer said: “They’re an excellent service provider with friendly and very helpful staff.” 

Would you renew your current policy? Yes 79% No 11%         

9. More Than – 87.09%

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Last year was something of an anomaly for More Than, as it hit the bottom of our charts after steady progress in the years before.

Wrongs have been righted in 2016, though, and the insurer has rebounded back to the top 10, with great scores for value for money and the ability to keep customers up to speed on claims.

One reader told us they received “good service” and added: “They are very reasonably priced for me and could be worth getting a quote from.” There’s still work to do, though, with last place for speed to order particularly disappointing.

Would you renew your current policy? Yes 77% No 23%         

10. Direct Line – 86.25%

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Direct Line has never really performed too well in our Driver Power surveys, but this year it breaks the mould and secures a top 10 finish – ahead of big rival Aviva.

Huge improvements in keeping drivers informed during a claim and value for money have helped boost its score by seven per cent from 12 months ago. One reader summed up the performance: “It’s the biggest and best – excellent claims resolution and sensible options and discounts.” However, the scoreboard suggests there’s even more scope for improvements.

Would you renew your current policy? Yes 87% No 13%  

Lowest-ranked car insurance companies 2016

21. Privilege – 83.09%

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Privilege is another insurer to fall down the rankings after climbing last year. A little over 77 per cent of policyholders would renew with the company, but 23rd place for speed to order suggests it isn’t the quickest insurer to respond.

Still, once you get hold of Privilege, it seems to be helpful. One reader told us: “A very good service by phone, very happy with it.” And 12th for product knowledge is impressive, too. There remains room for improvement in keeping policyholders informed when dealing with a claim, as well as value for money. 

Would you renew your current policy? Yes 77% No 23% 

22. AA – 80.79%

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Motoring giant the AA falls two places this year, despite good scores in various categories. Also known as a breakdown cover expert, it’s up nine positions in the friendliness and helpfulness category and climbed 11 places in speed to order over 2015.

Also impressive is 10th for product knowledge, although last place for value for money is less so. One reader pointed out: “I don’t like that they fleeced me in the second year, saying the first year price was an incentive deal.” Another said: “Not the easiest to deal with when trying to negotiate a better price.” 

Would you renew your current policy? Yes 86% No 14%

23. Adrian Flux – 80.04%

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Last year, Adrian Flux climbed 10 places to 15th, but it’s down eight positions in Driver Power 2016. Known for covering classic and performance cars, it’s rated high for its clarity of information. One reader said the firm is “very helpful and clear on the phone”.

However, other criteria that were previous strongholds for the company have fallen in the rankings – most notably value for money and friendliness and helpfulness. Still, 82 per cent of respondents said they would renew their policy, which is higher than the 79 per cent average for renewals this year.

Would you renew your current policy? Yes 82% No 18%

24. One Call Insurance – 78.66%

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It’s a year of mixed results for One Call Insurance. It ranked last for clarity of information when buying a policy, but its staff are some of the friendliest and most helpful out there.

Policyholders also weren’t impressed with its value or its ability to keep them informed when making a claim, although 15th place for product knowledge is worth mentioning.

Improvement in a few categories would surely help One Call climb the chart. One reader said: “I’m not happy with the claims service; it put me through to an accident management company.”

Would you renew your current policy? Yes 68% No 32% 

25. Swiftcover – 73.16%

Topa car insurance

Swiftcover shouldn’t be too upset about ranking 25th in this year’s survey – after all, a host of insurers didn’t even make it in at all. But the online-only provider was ranked last in our 25 for friendliness and helpfulness, along with product knowledge.

In response, Swiftcover told us: “We continually develop our business in response to customers, and although it’s clear from these results that we don’t always get it right, customer feedback from other sources shows we mostly exceed expectations. We will take these findings on board and use them to improve.”

Would you renew your current policy? Yes 63% No 37%

Now see the best cars to own in 2016, compiled from Driver Power data.

in association with 
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Source


Getting the right cover is the most important thing, and then you should look for the cheapest policy.

Choose the right level of cover

There are three levels of car insurance cover you can choose from in the UK:

  • Fully Comprehensive
  • Third party, fire and theft
  • Third party cover only

Here is what each level protects you against, and how to choose which is right for you.

What car insurance cover should you get?

Find the best policy for you

There are several different types of motor insurance policy, and choosing the right one could save you money.

  • Standard car insurance: Here is what a standard car insurance policy with cover.
  • Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
  • Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.

Should you add extras?

You can customise your policy and extend your cover by adding extra benefits. These include:

  • Legal cover - here is how to work out if you need it
  • Breakdown cover
  • Cover for lost or stolen keys
  • No claims protection
  • Cover for driving abroad

Here is a full list of the car insurance extras that could be worth adding to your policy.

Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.

Which car insurance extras are worth having?

How to get quotes from our comparison

You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.

It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:

Pros and cons of comparison sites

  • Get lots of quotes quickly
  • Quotes shown in price order
  • Only one form to complete
  • Not all insurers are on them
  • Can be cheaper if you go direct
  • Multi car policies not shown

Car insurance FAQs

Q

Can I drive a car without insurance?

A

No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.

Q

How can I get cheaper car insurance?

A

There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.

Q

What does car insurance cover?

A

It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.

Q

Is it cheaper to pay annually or monthly?

A

Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.

Q

Should I let my policy automatically renew?

A

No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.

Q

Can I get insurance for an imported car?

A

Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.

Q

Can I check if a car is already insured?

A

Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).

Q

How long does car insurance last?

A

Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.

Q

Can I drive other cars?

A

If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.

Q

Can I switch my policy to another car?

A

Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.

About our car insurance comparison

Q

Who do we include in this comparison?

A

We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

Source

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