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.

📨 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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Anyone tried Esure Flex Home Insurance?

IAMIAM
IAMIAM Posts: 1,425 Forumite
Sixth Anniversary 500 Posts Name Dropper
edited 1 June 2025 at 3:35PM in Insurance & life assurance
Just applied for it via Quidco, it was £200 for full Home & Contents inc Accidental & Home Emergency Cover...so effectively £165 after my £34 cashback for the year. I dont bother with Legal Cover.

Anyone had an issues? I rarely claim, although I do use Home Emergency regularly (boiler or pipe issues etc)

What is the actual difference between Flex and Standard?

Comments

  • MouldyOldDough
    MouldyOldDough Posts: 3,156 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 2 June 2025 at 2:01PM
    Esure is the same company as Sheilas wheels !
    Flex offers cheaper options with a higher excess - I would use Standard !


    If I was half as smart as I think I am - I'd be twice as smart as I REALLY am.
  • IAMIAM said:
    Just applied for it via Quidco, it was £200 for full Home & Contents inc Accidental & Home Emergency Cover...so effectively £165 after my £34 cashback for the year. I dont bother with Legal Cover.

    Anyone had an issues? I rarely claim, although I do use Home Emergency regularly (boiler or pipe issues etc)

    What is the actual difference between Flex and Standard?
    I wouldn't go there.  I did - the quote is competitive.  But you must read through all of the exclusions, and don't just look at your own policy schedule.  Look at their general policy details. They have tight exclusions for everything.  I paid for full insurance, accidental cover, emergency cover.  I had a leak from my bathroom and they have applied exclusion after exclusion after exclusion.  Even when an exclusion has shown to be incorrect, they've then look for another way to exclude it.  Don't just read the reviews on their pricing - read the reviews on how they handle claims - it's illuminating!
  • IAMIAM
    IAMIAM Posts: 1,425 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    TBH I have had building and contents for 8 years and have never claimed.....
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604.1K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.