ESURE INSURANCE LIMITED
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Cash
—
Latest balance sheet
Net assets
£448m
+5.9% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£118m
+34.9% highest in 3 filed years
Watch the reel
Our short-form breakdown of ESURE INSURANCE LIMITED's latest filing
esure just filed its latest accounts, and while the billion-pound insurance business held steady, the boardroom payout multiplied by five following its sale to Ageas. 🚗💰
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-10-18.
-
5 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | £1,001,300,000 | £1,041,600,000 | +4% | |
| Net earned premiums | £851,500,000 | £1,001,300,000 | — | — | |
| Claims incurred | £807,100,000 | £742,400,000 | £800,300,000 | +7.8% | |
| Investment return | £32,100,000 | £20,100,000 | £22,600,000 | +12.4% | |
| Profit before tax | -£80,200,000 | £87,800,000 | £118,400,000 | +34.9% | |
| Net profit | -£56,500,000 | £67,700,000 | £85,000,000 | +25.6% | |
| Insurance contract liabilities | £1,494,100,000 | £1,455,400,000 | £1,551,900,000 | +6.6% | |
| Total assets | £1,884,500,000 | £1,900,200,000 | £2,015,500,000 | +6.1% | |
| Total liabilities | £1,511,700,000 | £1,477,300,000 | £1,567,500,000 | +6.1% | |
| Equity | £372,800,000 | £422,900,000 | £448,000,000 | +5.9% | |
| Average employees | — | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 80.2% | 77.7% | — |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- ESURE INSURANCE LIMITED 2000-12-19 → present
- ESURE LIMITED 2000-02-16 → 2000-12-19
- PRECIS (1836) LIMITED 1999-11-29 → 2000-02-16
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
Group structure
- ESURE INSURANCE LIMITED · parent
- esure Property Limited 100%
Significant events
- “On 29 September 2025, Bain Capital announced the completion of the acquisition of the esure Group by Ageas UK Limited (Ageas UK). The ultimate holding company of Ageas UK is ageas SA/NV, a company incorporated in Belgium.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 45 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MARSH, Claire Catherine | Secretary | 2025-12-15 | — | — |
| ANDREWS, Annette Catherine | Director | 2025-09-29 | Oct 1967 | British |
| COUMANS, Ben | Director | 2025-09-29 | Apr 1976 | Belgian |
| DE CUYPER, Hans | Director | 2025-09-29 | Feb 1969 | Belgian |
| DE SMET, Bart Karel August | Director | 2026-05-27 | Oct 1957 | Belgian |
| HAYNES, Jeremy William | Director | 2026-04-01 | May 1966 | British |
| JACKSON, Richard David | Director | 2025-09-29 | Mar 1956 | British |
| MIDDLE, Anthony Edward | Director | 2025-09-29 | Jan 1970 | British |
| MUSTOE, Jane Emma | Director | 2026-08-10 | Nov 1973 | British |
| PLATT, Alison Elizabeth | Director | 2025-09-29 | Feb 1962 | British |
| SMITH, Alistair Meyrick | Director | 2025-09-29 | Jul 1986 | British,French |
| TURNER, Stuart James | Director | 2026-08-10 | May 1969 | British |
| WAITE, Tara Jane | Director | 2026-04-01 | Feb 1975 | Irish |
Show 45 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BHUHI, Susan Elizabeth | Secretary | 2000-02-15 | 2000-03-10 |
| BOLE, Peter Douglas | Secretary | 2024-01-01 | 2024-06-30 |
| EDWARDS, Nick | Secretary | 2013-07-05 | 2016-11-30 |
| GIBSON, Carolyn Ann | Secretary | 2012-12-01 | 2013-07-05 |
| MACDONALD, Susan Margaret | Secretary | 2000-10-18 | 2012-11-30 |
| RIVERS, Alice | Secretary | 2016-12-01 | 2019-09-30 |
| SMITH, Caroline | Secretary | 2024-07-01 | 2025-12-15 |
| WAITE, Simon Nicholas | Secretary | 2000-03-10 | 2000-10-18 |
| WHITEHEAD, Kirstin Rebecca | Secretary | 2020-01-27 | 2023-12-31 |
| OFFICE ORGANIZATION & SERVICES LIMITED | Corporate Secretary | 1999-11-29 | 2000-02-15 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1999-11-29 | 2000-01-07 |
| BASSI, Luca | Director | 2019-09-27 | 2025-09-29 |
| BATABYAL, Colin | Director | 2000-06-26 | 2009-10-27 |
| BIRRELL, Andrew Seaton | Director | 2019-12-17 | 2026-03-31 |
| BOLE, Peter Douglas | Director | 2020-03-18 | 2025-09-29 |
| BRYANT, Matthew George Alfred | Director | 2019-01-18 | 2019-04-03 |
| COLSELL, Steven James | Director | 2007-12-17 | 2010-02-11 |
| CROSBY, James Robert | Director | 2000-03-10 | 2006-07-31 |
| DAWSON, Joanne | Director | 2006-06-14 | 2007-12-16 |
| EDWARDS, John Stephen | Director | 2005-08-30 | 2006-02-22 |
| GARROOD, Shirley Jill | Director | 2019-01-18 | 2019-11-26 |
| GORE-RANDALL, Philip Allan | Director | 2008-05-13 | 2010-02-11 |
| GRAHAM, Peter John | Director | 2000-03-10 | 2006-06-22 |
| HANNAH, Charles Gordon | Director | 2006-06-14 | 2014-10-31 |
| HASTE, Andrew Kenneth | Director | 2020-03-24 | 2025-09-29 |
| HOBSON, Anthony John | Director | 2003-09-24 | 2015-05-13 |
| HODKINSON, Phil Andrew | Director | 2001-11-01 | 2005-09-07 |
| HORNBY, Andrew Hedley | Director | 2005-09-13 | 2008-05-13 |
| LING, Elisabeth Marguerite | Director | 2025-09-29 | 2026-03-31 |
| LONG, Stephen Anthony | Director | 2018-04-25 | 2020-03-18 |
| MARTIN-SIMON, Peter Michael | Director | 2025-09-29 | 2026-04-30 |
| MCMILLAN, David John Ramsay | Director | 2019-07-15 | 2025-09-29 |
| OGDEN, Darren | Director | 2012-11-29 | 2019-07-25 |
| PITT, David Francis | Director | 2014-12-02 | 2019-07-25 |
| POSNER, Howard Michael | Director | 2000-03-10 | 2005-08-30 |
| PRICE, Jonathan Stewart | Director | 2025-09-29 | 2026-04-15 |
| RUBENSTEIN, Alan Martin | Director | 2019-01-18 | 2021-12-31 |
| RUTTER, Keith John | Director | 2000-04-28 | 2003-09-11 |
| SHAW, Peter Anderson | Director | 2019-01-18 | 2025-09-29 |
| SPELMAN, Richard | Director | 2000-03-10 | 2001-11-01 |
| VANN, Stuart Robert | Director | 2010-09-29 | 2018-01-18 |
| WARD, Peter Geoffrey | Director | 2001-01-01 | 2017-05-17 |
| WHITEHOUSE, Andrew Peter | Director | 2002-09-11 | 2013-10-31 |
| WOOD, Peter John | Director | 2000-02-15 | 2020-03-27 |
| PEREGRINE SECRETARIAL SERVICES LIMITED | Corporate Director | 1999-11-29 | 2000-02-15 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Esure Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 218 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-10 | AA | accounts | Accounts with accounts type full | |
| 2026-08-21 | AP01 | officers | Appoint person director company with name date | |
| 2026-08-17 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-01 | AUD | auditors | Auditors resignation company | |
| 2026-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-22 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-08 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-08 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-08 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-18 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-12-18 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-10-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-02 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 0
- Officers appointed
- 6
- Officers resigned
- 5
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.