Ending your Esure membership made easy

About Esure

Esure is a well-established UK insurance provider that's been operating since 2000, originally founded by Peter Wood, who also created Direct Line. The company offers a comprehensive range of insurance products including car insurance, home insurance, pet insurance, and travel insurance. What sets Esure apart in the crowded UK insurance market is their digital-first approach combined with traditional customer service options, making them particularly popular with tech-savvy customers who still value human support when needed.

The company operates primarily online and through telephone services, which keeps their overheads lower than traditional high-street insurers. This business model typically translates into competitive premiums, though prices vary significantly based on individual circumstances and risk profiles. Esure is part of the Esure Group, which also includes brands like Sheilas' Wheels and First Alternative, and they're regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

Most importantly, Esure handles millions of policies across the UK, which means their cancellation processes are well-established but can be bureaucratic. Understanding how their systems work before you attempt to cancel will save you considerable time and frustration. Keep in mind that insurance cancellations often involve refunds, potential charges, and strict regulatory requirements, so getting the process right from the start is absolutely crucial.

Plans, features and pricing

Esure's product range covers the main insurance categories that UK households typically need. Their pricing structure varies dramatically based on numerous factors, so what you'll pay depends heavily on your personal circumstances, claims history, and the level of cover you select.

Car insurance options

Esure offers three main tiers of car insurance: third party only, third party fire and theft, and comprehensive cover. Their comprehensive policies include features like courtesy car cover, windscreen repair, personal accident cover, and breakdown assistance as optional extras. Premiums typically range from around £300 to over £1,500 annually, though young drivers and those in high-risk postcodes often pay significantly more. The company uses telematics-based policies for some customers, particularly younger drivers, where premiums are calculated based on actual driving behaviour monitored through an app or device.

Home insurance packages

Home insurance from Esure comes in buildings, contents, or combined policies. Their standard cover includes accidental damage as an optional extra, and they offer features like home emergency cover, legal expenses protection, and personal possessions cover away from home. Annual premiums generally start from around £150 for basic contents cover, whilst comprehensive buildings and contents policies for larger properties can exceed £500 annually. The excess amounts are adjustable, which affects your premium accordingly.

Additional insurance products

Pet insurance policies from Esure cover veterinary fees, with different tiers offering varying levels of annual limits and additional features like dental cover and complementary treatment. Travel insurance is available as single-trip or annual multi-trip policies, covering medical expenses, cancellation, baggage, and other travel-related risks. These policies typically range from £20 for basic single-trip cover to £150 or more for comprehensive annual family policies.

Terms of service and cancellation policy

Understanding Esure's cancellation terms is absolutely essential before you start the process. Insurance cancellations are governed by both the company's policy terms and UK insurance regulations, which provide certain consumer protections but also allow insurers to charge cancellation fees in specific circumstances.

Cooling-off period rights

Like all UK insurance providers, Esure must offer a 14-day cooling-off period from either the start date of your policy or the date you received your policy documents, whichever is later. During this period, you can cancel without providing a reason. You'll receive a full refund of any premiums paid, minus a charge for the days you were actually covered. This pro-rata charge is calculated daily and is completely standard practice across the industry. Most importantly, if you've made a claim during the cooling-off period, you typically cannot cancel and will need to continue with the policy for at least the remainder of that policy year.

Cancellation after the cooling-off period

Once the cooling-off period expires, you can still cancel your Esure policy at any time, but the financial implications change significantly. Esure typically charges an administration fee for mid-term cancellations, which usually ranges from £35 to £50 depending on the type of insurance. Additionally, they'll calculate your refund using what's called a \