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Guide to ERS insurance (equity red star)

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Reviewed

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Jan 2024

ERS Insurance, formerly Equity Red Star, is a privately held insurance company founded in 1946. The company currently operates as a broker only, motor only insurer whose policies are available only through car insurance brokers in the UK.

ERS is backed by Lloyd's of London and is often regarded as the largest specialist A+ rated motor insurer in the UK. The company has received prestigious awards such as the Brand Campaign of the Year from Insurance Times Awards in 2014, the Technology Champion of the Year from Tech and Innovation Awards in 2016 amongst others. ERS Insurance also has over 600 reviews on Trustpilot, with a 4.7/5-star rating.

ERS can provide insurance cover for classic cars, private cars, super cars, vans, taxis, motorcycles, minibuses, haulage, agricultural vehicles, motor fleets, and high-risk drivers, including celebrities and sports people.

In order to get the best deal on car insurance, it’s vital that you compare quotes from a wide range of insurance companies.

We can provide you with access to a range of quotes from a panel of UK insurance brokers that are able to tailor polices to you or your individual requirements.

  • Polices can be tailored to your requirements
  • Flexible payment options
  • One short form – save time & money

What types of insurance products does Ers insurance offer?

Following a series of acquisitions and management buyouts, ERS Insurance now offers only motor and specialist insurance products through brokers. Below are the major categories of insurance products offered by ERS:

Personal Motor Insurance 

Under the personal motor category, ERS offers insurance for standard cars, vans, motor homes, electric vehicles and special cars. This category has insurance products like Enthusiast insurance for modified vehicles, kit cars, electric conversion classic cars and campers. Prestige insurance for supercars and vehicles that need an enhanced cover. Overseas insurance for people importing their supercars to the UK for up to 6 months. Classic and supercars collection, which is an agreed value insurance for a group of 5 or more vehicles. Under this category, there's also schemes and affinity insurance.

Commercial Motor Insurance

This category is designed for operators, entrepreneurs, and motor owners who use their vehicles for commercial purposes. Under this category are insurance products like courier, transportation, specialist commercial vehicles, coaches and buses, executives & chauffeurs, minibuses, taxis, and weddings.

Agricultural Motor Insurance

With the agricultural Motor insurance, ERS offers products like leisure and recreation cover, specialist farmers’ plan, and horsebox insurance policy. This insurance product is designed to cater for anyone or business whose vehicle is used for agricultural-related purposes.

Motor Fleet

This insurance product is for people who need multiple car insurance for their small, medium, or large businesses. ERS offers motor fleet insurance products like Own Goods & Trades, Coach, Bus & Minibus, Taxi fleet insurance, Goods for Hire & Reward, and Self-Drive Hire.

Motor Breakdown Insurance

ERS has four levels of cover available for the motor breakdown insurance namely, Roadside, Roadside & Recovery, Total UK, and Total UK & Europe. Each of these levels have their differences in features and are only restricted to the UK or Europe.

Who underwrites the ERS insurance policies?

ERS is underwritten by Lloyd's (Syndicate 218). Apart from Lloyd's rating, ERS also has an A+ rating from Standard and Poor’s.

How can ERS insurance be contacted?

For brokers who have customers who may need the motor insurance cover offered by ERS, you can visit this page to choose a way to trade and find corresponding contact details. You can also visit the contact page on the ERS website to access all important contact information.

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As our company name suggests, we can provide multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The panel is able and willing to provide insurance for all driver categories, including those with bad credit score those with convictions and the over 80 senior driver category. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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