We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Esure Car Insurance rip off charges
Cj2456
Posts: 6 Forumite
Review of Esurance Vehicle Insurance
"ESure remind me of Ryanair - cheap but with 'hidden' extras"
I AM FURIOUS WITH ESURE. Took out an esure policy at a competitive price for my little Ford KA last week - start date yesterday. For the first time ever (am over 50) was asked to send copies, of counterpart driving licence of all named drivers including myself. My son has lost his, and my cousin doesn't possess one. My cousin (in his 40's) wanted to be removed from the Policy as he was buying a car. Esure said there would be a £26 admin fee, plus £26 additional premium required, and this was BEFORE the policy had even started. I offered to send them a copy of the photo card of my son, but no, this was not acceptable. I therefore chose today, to cancel this policy. As a result, even though I am in the 14 day 'cooling off' period, and esure say on their website cancellation is £26 administration fee in this period, I have been charged DOUBLE. £26 for the administration fee, and another £26 for the 'Underwriters Fee'. I.E. OVER £50.
DON'T GO WITH ESURE. THEY MAY DO CHEAP INSURANCE, BUT ANYTHING YOU DO WITH THEM COSTS FAR TOO MUCH MONEY.
Anybody got any ideas as to how I can try and get at least the 'Underwriters Fee' back? It all seems an extortionate amount of money for cancellation in the cooling off period - and the insurance had only been in place for 1 day.
"ESure remind me of Ryanair - cheap but with 'hidden' extras"
I AM FURIOUS WITH ESURE. Took out an esure policy at a competitive price for my little Ford KA last week - start date yesterday. For the first time ever (am over 50) was asked to send copies, of counterpart driving licence of all named drivers including myself. My son has lost his, and my cousin doesn't possess one. My cousin (in his 40's) wanted to be removed from the Policy as he was buying a car. Esure said there would be a £26 admin fee, plus £26 additional premium required, and this was BEFORE the policy had even started. I offered to send them a copy of the photo card of my son, but no, this was not acceptable. I therefore chose today, to cancel this policy. As a result, even though I am in the 14 day 'cooling off' period, and esure say on their website cancellation is £26 administration fee in this period, I have been charged DOUBLE. £26 for the administration fee, and another £26 for the 'Underwriters Fee'. I.E. OVER £50.
DON'T GO WITH ESURE. THEY MAY DO CHEAP INSURANCE, BUT ANYTHING YOU DO WITH THEM COSTS FAR TOO MUCH MONEY.
Anybody got any ideas as to how I can try and get at least the 'Underwriters Fee' back? It all seems an extortionate amount of money for cancellation in the cooling off period - and the insurance had only been in place for 1 day.
0
Comments
-
If it is in breach of the contract terms - either the Ombudsman or Small claims process.
I think you'll find most direct insurers have similar fees.0 -
Thank you Cornucopia. Probably not worth pursuing with Small claims process just for £26. It's disgusting what they charge. I have now gone with some brokers. Am paying more, but at least know I'm getting a service. They confirmed their cancellation fee during the cooling off period would be £19. Quite a difference.0
-
Send them a letter by recorded delivery headed "Official Complaint", they're duty bound to properly investigate it and respond.
Some Insurers reduce or drop charges in the face of an official complaint0 -
Thank you. Will do!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards