Endsleigh Car Insurance Review: Good Value for You?

Endsleigh Car Insurance Review: Good Value for You?

Endsleigh has won awards for their student car insurance, but while prices might be attractive be aware of the missing features.

Good for

  • Award winning car insurance for students

Bad for

  • No hotel or transportation after an accident
  • Higher cancellation fees
  • Lower personal belongings cover
  • No hotel or alternative transport away from scene of accident

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Is Endsleigh the right car insurance for you? Find out which features are missing from Endsleigh policies and how existing policyholders rate Endsleigh customer service.

In This Review

Endsleigh Car Insurance Overall Review

Originally started in 1965 by NUS (National Union of Students) to support affordable insurance for students, Endsleigh was voted "Best Student Insurance Provider" at the Insurance Choice Awards 2018. Endsleigh specialises in a wide range of cover for students and other young drivers, as well as short term car insurance (often needed by students when they're home for the holidays):

Ensleigh insurance offerings include:

  • Car insurance
  • Student car insurance
  • Young driver insurance
  • Short term car insurance
  • Student gadget cover
  • Gap year cover
  • Student contents cover
  • International student insurance
  • Home insurance
  • Travel insurance
  • Gadget insurance

However, Endsleigh policies are lighter on some features than competing plans. For example, their personal belongings cover is only £100 and they don't provide accommodation if your car is involved in an accident, you can't drive it and you're far from home. They also don't include any key cover as standard, although you can buy this as an add on feature. Here's a brief overview of what's covered by Endsleigh comprehensive car insurance according to their website, and how it stacks up against what you'd ideally get from a good policy.

How Good is Endsleigh Car Insurance?A Good Policy IncludesDoes Endsleigh Deliver?Endsleigh Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
red x
Up to £100
thumbs up add on
Up to £2,500 for replacing locks for car, home and office; 3 days emergency car hire if car keys lost or stolen
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on and have at least 4 years built up
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
thumbs up
Included for up to 14 or 21 days
Repairs guaranteed (if use approved repairer)12-month guarantee
thumbs up
5 years
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
question mark
If statement of insurance shows you have it, then there's new car replacement for theft or if damage is more than 60% of current list price
Stereo and satellite navMarket value for manufactur fitted
thumbs up
Max amount shown on your statement of insurance
Alternative transport & Hotel after accident£250+
red x
Not included
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on
Motor legal expensesStandard or add-on extra
thumbs up add on
If you buy the add on
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
red x
Up to replacement cost
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
red x
Cancellation feeNo more than £50
red x
£30 during cooling-off period; £75 after cooling-off period

Endsleigh Car Insurance Customer Service Reviews and Ratings

We've reviewed customer ratings from resources available online to find out what policyholders like about Endsleigh, and find any common complaints that could be a sign of trouble.

Endsleigh Ratings & Customer Reviews
Trustpilot customer service rating4 out of 5
Defaqto3 stars

Endsleigh Trustpilot

Endsleigh insurance has earned a solid 4 out of 5 stars on Trustpilot, from over 1,000 customers. Just over 50% of customers rated the service as "excellent" awarding them 5 out of 5 stars, but 27% rating Endleigh with just one star, as "bad".

Here are a few examples of an "excellent" customer review of Endsleigh at Trustpilot, which highlight Endsleigh's customer-focused mentality and effort to keep customers at renewal:

"I phoned to discuss my insurance renewal as it was due soon, and Endsleigh were able to quickly run through all of my details and find a better price for my next year's cover."

"My perceptions were that he was honest, intelligent, polite, and customer-focused—that is—on my side. I've held a policy with Endsleigh for some years and I've been very happy with them."

Negative reviews focused on a few common themes, including difficulties with the online customer portal and admin fees.

"Absolutely useless. After more than a week of long phone calls We still haven’t got our new policy documents either by email, in my daughters account, or as promised, by post. I'm fed up with phoning. I've tried resetting PW, or using a number they gave over the phone for a user ID. Nothing works. All nice people in call centre but it’s still not sorted."

"I called endsleigh to cancel my policy a day after it was automatically renewed. I was told I would have to pay a cancellation fee of £30 to have it cancelled. Imagine less than 24hrs and I had sent them proof that I had already got a better deal with another provider."

Many companies charge fees to cancel a car insurance policy or make changes. These can seem unfair, so staying ahead of a renewal and declining or turning off "auto renew" so your policy doesn't renew if you don't want it to can help you avoid some of these fees.

Endsleigh Reviews.co.uk

A smaller group of customers has rated Endsleigh with 3.1 stars on Reviews.co.uk. We noticed a wide spread of customer experiences, with most people either having a great experience or a terrible one—fewer people had a neutral experience. Common complaints include long wait times with customer service and renewal prices being significantly higher, so be on the look out for this should you choose to buy insurance from Endsleigh.

Endsleigh Defaqto

Defaqto has awarded Endsleigh with only 3 out of 5 stars. Read through our review of Endsleigh features to decide if the features work for you or not.

Important Endsleigh Car Insurance Phone Numbers

Customers can reach Endsleigh customer service 6 days a week, from Monday to Friday between 8am to 6pm and Saturdays from 9am to 5pm—they're closed on Sundays. Claims lines are open 24/7, however.

Endsleigh Car Insurance Contact Numbers
Customer Services0333 234 1552
24 Hour Helplines
Claims (comprehensive)0333 234 1662
Claims (third party, fire & theft cover)0333 234 1663
Breakdown0330 159 0245
Glass Repair Helpline0333 234 1667
Keycare0345 303 4025
Breakdown service0800 458 9283

Cancellation Fees

Endsleigh cancellation fees are a bit on the high side. Be aware that you'll be charged a cancellation fee should you choose to cancel during the 14-day cooling-off period:

Endsleigh Cancellation FeesOffline (e.g., over phone)Using personal online accountAdditional fees charged by your Insurer
Policy arrangement fee (set up fee)£20.00No chargeNo charge
Mid-term adjustment fee (e.g., change address)£30.00£10.00£7.50 for Ageas Motor Guard policies only
Cancellation fee within 14 day cooling off period£30.00£30.00No charge
Cancellation fee after 14 day cooling off period£75.00£75.00No charge

Policy Documents

Customers can view their documents online, log into your customer portal. Potential customers can learn about what's covered on their car insurance information page or from this policy document.


Per the policy document, if your car is disabled due to covered loss or damage, they'll pay "the reasonable cost of protecting and removing Your Car to the nearest repairer" and "the reasonable cost of delivery following repair to Your address in the United Kingdom."
If you pay by direct debit, then your Endsleigh car insurance policy will probably renew automatically. Be on the lookout because you should receive a notice before the renewal, and if they can't auto renew your policy for some reason they should contact you. Those who paid in full will have their policy renewed automatically if they're opted in. The renewal help line is 0333 234 1562.
Follow the directions in your renewal reminder if you don't want to to automatically renew. The renewal help line is 0333 234 1562.
It costs £30 to cancel during the 14-day cooling off period and £75 afterwards to cancel an Endsleigh car insurance policy.
Endsleigh is a broker and works with a team of underwriters. When you get a quote you'll be able to see who underwrites your policy. Endsleigh's Legal Cover is underwritten by DAS Legal Expenses Insurance Company Limited. Endsleigh's Excess Protect cover is underwritten by Astrenska Insurance Limited, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.
Your Endsleigh car insurance policy may be underwritten by one of a number of possible insurers. Whether or not you can drive other cars will depend on the policy you have, as well as well as the terms and conditions of the policy held by the owner of the other car.
Endsleigh works with National Windscreens for glass damage. If you have windscreen cover with your policy, call the Endsleigh glass repair 24-hour helpline at 0333 234 1667 to arrange for an assessment and repair or replacement.
Calling Endsleigh at 0333 234 1552 will cost no more than a 01 or 02 number.
No, Endsleigh does not have a live chat feature. Instead you can call the Endsleigh customer service and claims numbers
No, you cannot cancel Endsleigh car insurance online. To cancel Endsleigh car insurance call 0333 234 1558.
To add a driver onto an Endsleigh policy you'll be charged a fee of £10 online or £30 over the phone. Read about their fees here. You may also need to pay a higher premium.
You can change the car on your Endsleigh policy online for a fee of £10, or £30 over the phone. Read about their fees here. You may also need to pay a higher premium.
Changing your address on an Endsleigh policy costs £10 online or £30 over the phone. Read about their fees here. You may also need to pay a higher premium.
Endsleigh 24-hour helplines can assist with claims, glass repair and key and breakdown, if you have it.
Yes, Endsleigh offers temporary driver insurance for students (from 7 to 28 days from Marmalade) and non-students (1 to 30 days from Dayinsure).
Yes. If your car is the subject of a hire purchase or leasing agreement, then payment for the total loss or destruction of your car will normally be made to the legal owner (not you).

Other Car Insurance Reviews

If you'd like to compare Endsleigh to other car insurance companies, read through some of our other car insurance reviews:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.