Endsleigh Car Insurance Review
Endsleigh specializes in student and graduate car insurance, understanding the unique needs of university life. Founded by NUS in 1965, they offer tailored coverage for students including term-time only policies.
Company & Policy Details
Company Information
Established
1965
Underwritten by
AXA Insurance UK plc
Market Position
Customer Service Hours
Mon–Fri: 8am–6pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Student-focused policies with university parking cover
- Named driver no claims discount for students
- Term-time only flexible cover options
Available Features
Customer Service
Premium Range
From
£450.00
Average
£650.00
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
Do I need special insurance as a student?
Students often face unique circumstances like campus parking and holiday-only driving. Our policies are designed to accommodate these needs.
Can I build my no claims bonus while at university?
Yes, you can build your no claims discount even as a named driver on your parents' policy, helping reduce future premiums.
What if I only drive during holidays?
We offer flexible policies that can be adjusted for term-time only driving, potentially reducing your premium.
Do you cover campus parking?
Yes, our policies include coverage for university campus parking areas and student accommodation car parks.
In-Depth Provider Analysis
Expert Analysis: Endsleigh Car Insurance
Endsleigh is a trusted UK insurance brand originally founded by the National Union of Students. It specialises in providing car insurance to students, graduates, and young professionals. Endsleigh offers flexible coverage options, student discounts, and policies tailored to the unique needs of younger drivers or those with limited driving history.
Professional Editorial Review
Endsleigh stands out for its empathy. It’s not just about cost – it’s about guiding young drivers safely onto the road.
Market Position
Student-first legacy insurer with a niche focus.
Pricing Strategy
Mid-range – tailored toward younger drivers rather than cheapest quote seekers.
Who Should Consider Endsleigh? A Detailed Analysis
Students, recent graduates, and younger drivers seeking cover that understands their life stage.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Strong brand recognition in the student market
Supportive to first-time policyholders
Flexible underwriting criteria for young drivers
Wide range of complementary insurance products
Multi-product discounts with renters or gadget cover
Important Considerations
Premiums can be higher after student age
Limited features for mature or experienced drivers
Phone wait times during term start can be long
Online account system could be more modern
What Makes Endsleigh Stand Out
Discounts for students and young professionals
Flexible payment and policy adjustment options
Tailored add-ons for learners and first-time drivers
Recognised partner of many universities
Good introductory offers for younger age brackets
Claims Process Analysis
Claims are managed via Endsleigh’s partner underwriters. They provide phone support and email documentation requests with timelines generally matching mainstream providers.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Support is via web and call centres, with student-focused reps trained to help first-time policyholders. Feedback is positive for patience and clarity.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Endsleigh fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Endsleigh's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put Endsleigh's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 9/18/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Endsleigh
How does Endsleigh compare to other budget insurers in terms of value for money?
Endsleigh positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Endsleigh's claims process?
Claims are managed via Endsleigh’s partner underwriters. They provide phone support and email documentation requests with timelines generally matching mainstream providers. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Endsleigh suitable for young or inexperienced drivers?
Endsleigh can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Endsleigh for long-term coverage?
Endsleigh has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Endsleigh work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofEndsleigh's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Endsleigh for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Endsleigh
How to Get Coverage
- Visit Endsleigh's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Endsleigh directly for the most accurate and up-to-date quotes for your specific situation.