Used them a couple of times now. Always left me feeling satisfied that I had a sound policy. Perhaps its the Five Star Defacto element that makes me feel I am getting a sound product. The policy paperwork has a reassuring layout and I can't help feeling that I was purchasing something good. I review my insurances every year, a process that I don't look forward to, and am careful to weigh up the all the factors involved. Inevitably, I always try to purchase through Top Cashback and a comparison site, which in combination, gives me the most favourable price. Esure is generally near the top of the list. It has to be said that all the Insurance providers make it difficult to select as most seem to vary their prices continually during the weeks leading up to renewal, and sometimes even during the same day. It gets very frustrating, and I don't think the new rules that came into play in Jan of this year really work for renewals ! The example this year, with Esure, shows that my premium had increased by £50, and the same policy could be purchased via a comparison site considerably cheaper. I think what the customer wants is confidence in the system. The new rules seem to make no difference whatsoever. I have noticed with Esure and other policies that recommended rebuild costs for Buildings cover have increased dramatically this year. Over the years it has always been emphasised, that the rebuild value in a buildings policy, should (and rightly so) be considerably less than the value of the property. I am finding that Esure is not alone in suggesting that my £600,000 house should have a rebuild price of £550,000. This seems to be common now in most Buildings policies this year, and I can only assume that this is a loophole justifying increased policy prices. When cancelling my policy with Esure this year I found that the online Chat system highly effective and speedy, and far preferable to a telephone conversation.