What is car insurance?
Car insurance is there to help if your car is involved in an accident, stolen or damaged. There are different levels of cover, depending on how much protection you need.
What is comprehensive car insurance?
There are three main types of car insurance; comprehensive, third party, and third party, fire and theft. Comprehensive cover provides the highest level of protection. It covers everything included in third-party and fire and theft policies, and it protects your car if you’re in an accident, as well as the driver and any passengers inside. You can also add extras to this type of policy, such as breakdown cover and motor legal protection.
Compare our Car Insurance options
To help you get the cover that's right for you, we'll now give you two prices when you get a quote direct with us - one for esure Flex Car Insurance, and one for esure Car Insurance. Take a look at how the two compare:
 |  | |
|---|---|---|
Defaqto rating |  |  |
Child seat cover | £100 | £100 |
Medical expenses | £100 | £300 |
Personal accident | £2,500 | £5,000 |
Windscreen cover | ||
Uninsured driver promise | ||
Vandalism promise | ||
Legal advice helpline | ||
Courtesy car to use while yours is being repaired | ||
24 hour emergency helpline | ||
5 year repairs guarantee | ||
New car replacement benefit | ||
Accident repair redelivery | ||
Nav & audio equipment cover (original fit) | ||
Personal belongings | £150 | |
Stolen keys | £500 | |
Non-original nav & audio cover | £150 | |
Hotel expenses (UK) | £200 driver / £500 max |
Do I need car insurance?
In the UK, car insurance is a legal requirement for all drivers. Under the Road Traffic Act 1988, you must have at least third party insurance if you’re driving on public roads. This type of insurance covers damage or injury caused to others in the event of an accident that is your fault.
What level of cover do I need?
The level of cover is up to you. You may want to think about your driving habits and the value of your car when deciding which level of cover is best suited to you.
Fully comprehensive
This offers the most extensive cover protecting against accidents, theft, vandalism and weather-related damage from events such as storms and floods. Our esure Flex Car Insurance and esure Car Insurance polices offer different levels of comprehensive cover to best suit your needs.
Third party, fire and theft
This offers the same cover as third party insurance, plus protection against fire and theft of your vehicle. Here at esure we currently don’t offer this level of cover to new customers.
