esure vs Legal & General: which is better? Comparison 2026
By our public methodology esure scores 78 out of 100 and Legal & General scores 63. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| esure | Legal & General | |
|---|---|---|
| Reliability | 75 | 75 |
| Service | 86 | 43 |
| Products | 50 | 33 |
| Transparency | 100 | 100 |
Pros and cons
esure
- Long track record as a licensed insurer
- Publishes annual financial reports
- Policies can be bought online
- Claims can be reported online
- No rating from a recognised agency stated on the website
Legal & General
- Long track record as a licensed insurer
- Publishes annual financial reports
- Claims can be reported online
- Policy terms can be read before buying
- No rating from a recognised agency stated on the website
Facts side by side
| Fact | esure | Legal & General |
|---|---|---|
| Licensed since | 2000 esure.com | 1836 group.legalandgeneral.com |
| Buy a policy online | Yes esure.com | Not verified |
| Rating from a rating agency | No esuregroup.com | No group.legalandgeneral.com |
| Financial reports online | Yes esuregroup.com | Yes group.legalandgeneral.com |
| Part of a group | Yes esure.com | Yes group.legalandgeneral.com |
| Report a claim online | Yes esure.com | Yes legalandgeneral.com |
| Mobile app | Yes esure.com | Yes legalandgeneral.com |
| 24/7 phone line | Yes esure.com | Not verified |
| Retail lines offered (of 6) | 3 esure.com | 2 legalandgeneral.com |
| Policy terms online | Yes esure.com | Yes legalandgeneral.com |
| Complaints procedure published | Yes esure.com | Yes legalandgeneral.com |
| Calculator or tariffs | Yes esure.com | Yes legalandgeneral.com |