Insurance Overview
Insurance companies supply services to a wide variety of customers, from everyday consumers to large corporations.
But do they have guidelines or policies as to who they will and won't insure? Do green and ethical considerations feature in insurance companies' risk assessments?
Might they, for example, offer coverage to munitions factories or companies with significant operations in countries with oppressive regimes? Or might they insure others with poor labour or environmental records?
Green and ethical insurance products
Green and ethical insurance products
For home, motor, travel, life and health insurance, there is a small but growing number of green and ethical insurance products available. A selection is below:
- Co-operative Insurance
Insurance type: home, motor, life and health
This provider has a comprehensive ethical engagement policy in place that governs all its insurance decisions. The Co-op's 'ecoinsurance' scheme offers cash incentives as well as environmental pledges. It offsets the equivalent of 20 per cent of the CO2 from every vehicle insured and also offers premium discounts for greener cars. - Climate Sure
Insurance type: travel
Climate Sure calculates the CO2 produced by flying overseas and pays for it to be 'offset' by funding sustainable energy projects. - Green Insurance Company
Insurance type: motor
This provider aims to offset your car's carbon emissions and offers discounts on greener cars/lower mileage. - Naturesave
Insurance types: home, travel, personal accident and illness
This company puts 10% of its personal insurance premiums in a fund (Naturesave Trust) to benefit environmental and conservation projects. It also offers a free environmental performance review for commercial clients and aims to use suppliers that support sustainable business practices. - Ansvar Insurance Co Ltd
Insurance types: home, motor, travel
Insurance is sold to individuals and organisations with a not-for-profit remit.
Your next steps
What do you do now? Check out our guide Next Steps - Insurance for suggestions on how to give your insurance policies a green and ethical makeover as well as the questions you should be asking your current or prospective insurance provider.
Insurance Search
Insurance Provider
Esure
Green/Ethical Products
No evidence of specifically green or ethical products found.
Ethical Lending or Insurance
Not applicable. The company does not offer commercial lending or insurance services.
Human Rights
Not applicable. The company does not offer commercial lending or insurance services.
Financial Exclusion
No evidence of any accounts, products, or services aimed specifically at the financially excluded.
No evidence that the company provides direct financial support to or engages in partnerships with Credit Unions and CDFIs (Community Development Finance Institutions).
Esure provides typetalk and also provides documents available in large print, in Braille and on audio tape for disabled customers.
No evidence found of esure’s involvement in any microfinance (or microinsurance) projects.
No evidence found that the company invests in or lends at lower rates to financially excluded communities.
Environment
Has a policy covering waste management but not climate change, energy efficiency and water usage.
According to Esure’s Code of Business Ethics they are “committed to ensuring that, as far as reasonably practicable, any detrimental effects of our activities, products and services upon the environment are minimised”.
No evidence found of the company’s commitment to continued improvement of its environmental performance.
Carbon Neutral
No commitment to become fully carbon neutral was found.
Equal Opportunities
According to its Code of Business Ethics Esure complies with anti-discrimination requirements concerning matters of race, colour, national origin, gender, marital status, sexual orientation, religious belief, age or physical or mental disability.
Women on the Board
esure Group:
2/7 women hold top level board positions (29%).
Voluntary Standards & Initiatives
No membership of any relevant charters or initiatives found.
Charitable Giving
Esure engages with staff to participate in fund raising activities and events such as dress down days, bake offs, raffles, book sales and sporting challenges. Have made donations to charities including Sports Relief, Children in Need, The Children’s Trust.
Esure
- Insurance (Motor, Home, Travel, Pet)
Esure
esure Group Plc.
Registered office:
The Observatory,
Reigate,
Surrey
RH2 0SG.
