How to cancel your car insurance with esure
To cancel your car insurance with esure, you have to call them. You'll need to pay a cancellation fee of £60, plus a bit more for the time you've been covered.
Heads up, though: we AREN'T Esure! We're Cuvva. While we can't cancel your policies with other companies ourselves, we can help you on your way with our nice explainer below - just make sure you contact the right company directly.
(Note: the information in this article was valid at the time of publication in June 2020. Always double-check with your insurer.)
Cancellation fees
If you cancel your policy with esure during your 14-day cooling-off period, you'll get your payments refunded, minus some money for the time you've been insured.
On top of that, you'll have to pay a cancellation fee of £26.
If you cancel after your 14-day cooling-off period, the cancellation fee goes up to £60.
How refunds work
When you cancel a car insurance policy, you'll usually have to pay a fee. The fee depends on the insurance company. It also depends on whether you're still in your cooling-off period.
You'll get the rest of your policy refunded, if you paid for the whole year up front. But esure will take away some of that refund to cover the insurance you've already had. They'll charge you a cancellation fee on top of this. It's pretty standard across most car insurance companies.
Breakdown cover and optional extras
You can also get breakdown cover through esure, along with a bunch of other "optional extras".
If you cancel your breakdown cover within the 14-day cooling-off period, you'll get a full refund. As long as you haven't made a claim on it.
You'll also get a refund if you cancel outside of the 14-day cooling-off period, minus some money for the time you've been covered.
If you cancel any other optional extras, you'll get a refund during the 14-day cooling-off period. As long as you haven't claimed.
But you won't get a refund on your optional extras if you cancel outside of the 14-day cooling-off period.
Cancelling after you make a claim
Like most car insurance companies, esure won't give you any refund on your car insurance if you've made a claim. But you'll still have to pay any cancellation fees.
And if you pay monthly for your car insurance, you'll need to pay up for the rest of the policy when you cancel. Again, this is standard in insurance.
How to cancel
To cancel your car insurance policy with esure, you'll need to call them on 0345 045 1000. They're open:
- Monday - Friday: 8am - 8pm
- Saturday: 9am - 5pm
- Sunday: 9am - 2pm
The cooling-off period
By law, every car insurance policy comes with a cooling-off period. The cooling-off period is either 14 days from the day your policy starts, or 14 days from when you get your policy documents in the post.
Check your policy documents to find out when your cooling-off period starts and ends.
Whether you're in your cooling-off period or outside of it, your insurer will take away some money from your refund to cover the days of insurance you've already had.
Auto-renewals
esure will automatically renew your car insurance, unless you specifically tell them you don't want them to.
To do that, you have to tell them that you want your policy to "lapse". Your price will often go up significantly if you auto-renew.
Letting your policy "lapse" (which means not renewing it) is not the same as cancelling your policy mid-way through.
esure will contact you about a month before your car renews. They'll let you know:
- That it's going to renew, and
- How much it will cost when it does renew
If you renew, you'll start a new cooling-off period.
If your car insurance is up for renewal, and you want it to lapse, you need to contact esure:
- Four days before renewal date, if you're contacting them by phone
- Seven days before renewal date, if you're contacting them using their online form
Get temporary insurance
If you're planning to cancel your annual policy, Cuvva's policies from 1 hour to 28 days might be able to help you bridge the gap, with cover starting from just £11.90.
- Temporary car insurance for borrowing or lending a car in minutes.
- Learner driver cover for driving lessons, getting practice in with a supervisor, or taking the driving test.
- Drive away insurance for getting your new car home from the dealership.
- Temporary van insurance for moving home, dropping things to the recycling centre, or carrying a heavy load.
And it only takes a few minutes to get a quote.
Sources:
Motor Policy Booklet (PDF)