Contact. You’ll need to call Esure to end your coverage, and any optional extras. You can request to cancel your insurance immediately or on a certain date.
Pay off premium. If you pay in monthly instalments, you’ll have to pay any remaining premium you still owe to Esure.
Pay your administration fee. You’ll also need to pay a standard admin fee when you cancel your policy.
Get your refund. As long as you haven’t had any incidents or claims while with Esure, you’ll get a refund on the part of your car insurance policy you haven’t used. It will typically take between three and five days for this money to go into your account.
Contact numbers and cancellation fees
Call Esure on 0345 607 0417 to cancel your policy. Lines are open Monday – Friday 8am – 8pm, Saturday 9am – 5pm and Sunday 9am – 2pm.
If you decide to cancel after the cooling off period but before your cover stops, you’ll be charged a cancellation fee of £60 in addition to the cost of any days of cover used.
Cancellation within 14 days
If you’ve only just taken out Esure insurance, you may get your premium back, minus fees.
Contact Esure. Call Esure within 14 days of receiving your Policy Booklet, Schedule and Certificate of Motor Insurance, explaining you want to cancel.
Find a new insurer. Make sure you’ve signed up for another car insurance policy as it’s illegal to even have your car parked in the street without insurance.
Get a refund. If no incidents have occurred during your short time with Esure, it will refund the premium you’ve paid, minus the administration fee. You can find out how much this charge will be in your agreement documents.
Refund exception. If you’ve made a claim or someone has made a claim against you then unfortunately you won’t get a refund. You can still cancel but you’ll have to pay an admin fee to get out.
Contact numbers and cancellation fees
Call Esure on 0345 607 0417 to cancel your policy. Lines are open Monday – Friday 8am – 8pm, Saturday 9am – 5pm and Sunday 9am – 2pm.
If you decide to cancel during the cooling off period, a cancellation fee of £26 will be deducted from your refund.
How to change car insurance provider
Here’s what you’ll need to do when moving to a new policy:
Compare, compare, compare. Make sure you shop around to find a car insurance policy that offers you the level of cover you need for the cheapest price.
Sign up. Take out your new car insurance policy, this should start immediately.
Contact Esure. Once you’ve received proof of insurance from your new provider call Esure to quit your old deal that day or at a later date. To avoid paying any admin fees you could just ask Esure to not automatically renew your deal when it expires.
Fees. You’ll have to pay a cancellation fee if you cancel early, but Esure will refund you for the time you weren’t covered for the year. Unless you’ve had an incident involving a claim, in which case you’ll get nothing back.
Things to consider before cancelling
Cancellation fees. Esure charges a cancellation fee when you cancel your policy before it expires. While not outrageously expensive, sticking with Esure will mean you don’t get landed with this charge.
Have you made a claim? If you’ve been involved in an incident involving a claim then you won’t get a refund. So is it really worth cancelling early?
Adjust your Esure insurance instead. If you’re looking for a cheaper deal or a different level of coverage you could just ask Esure if you can change your policy. This might save you time and money.
Best time to switch. As discussed above, the best time to change to a new provider is about three weeks before your policy expires. Leaving it until the last minute could mean your Esure deal auto-renews.
No claims. Some companies might not let you take your no claims bonus for that period, which might put you off leaving.
When to cancel your policy with Esure
Certainly don’t leave it to the last minute. You need to give Esure at least five days’ notice before the end of your deal that you want to quit. Otherwise it will automatically renew your policy, leaving you out of pocket.
In fact, if you’re looking to switch to a new car insurance provider, you should look to change about three weeks before your Esure deal is due to end. This is typically the best point to switch, when you’ll get the lowest premium quotes possible. Leaving it to the last minute can cost you hundreds of pounds, as insurers often hit people who leave it late with much higher fees.
Why? Well people who take out car insurance at the last minute are often seen as higher risks. Insurers say they statistically are more likely to make a claim.
Frequently asked questions
The fact you have to call Esure or write to cancel your insurance means you should be fairly confident the policy will be cancelled on the day or at a later agreed date.
If you haven’t made a claim you’ll get a refund after you cancel, which signals your policy with Esure has definitely been cancelled. If you’ve been involved in an incident involving a claim then you won’t get a refund, so you might have to call Esure after a few days to make sure your deal is up.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio
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