In the same way Esure offers competitive premiums to good drivers, generous no claims discounts of up to 45% are offered to prospective customers who have not made a claim in the last 10 years on their home insurance. For those who have built up a significant number of claim free years, no claim discount protection is also incorporated into the policy. Additional discounts are also available if both buildings and contents insurance policies are purchased together and approved security devices to windows and doors are fitted and in working order.

Unlike some other home insurers, Esure includes office equipment owned and used by the policyholder and £500 personal money within the scope of its contents policy as standard. It is worth mentioning however, Esure do place the onus on their policyholders to correctly estimate the replacement values of their contents. For example, older items in the home such as a 10 year sofa must be insured at today’s prices, not their second hand values. Although bicycles worth £500 or less are insured at home, personal possessions away from the home must be added if outside insurance cover is sought.

Accidental damage cover, personal possessions away from the property, home emergency, pest control and legal expenses insurance can all be added to the policy individually or together for an additional premium. A variety of payment methods including annual payment or monthly instalments are available subject to eligibility criteria.

Please refer to Esure.com for a full list of terms and conditions or contact the company concerned for more information.