# esure Group

esure Group is an Insurance based in Reigate, United Kingdom.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Reigate, United Kingdom
- **Region:** Europe
- **Address:** The Observatory, Castlefield Road, Reigate, Surrey, RH2 0SG, United Kingdom
- **Founded:** 2000
- **Assets under management:** Undisclosed
- **Website:** www.esuregroup.com
- **LinkedIn:** https://www.linkedin.com/company/esure

## Regulatory record

- **Reports private funds:** No

## About

Esure Group is a UK-based insurance company headquartered in Reigate. It oversees approximately $1.5 billion in assets, primarily operating in Europe.

## Sectors

- InsurTech
- Real Estate

## Offices

- Manchester, United Kingdom
- Glasgow, United Kingdom

## People

- Peter Wood — Founder
- David McMillan — Chief Executive Officer

## Questions

### Who runs investment decisions at esure Group?

Investment decisions at esure are managed by an internal treasury and asset management function, operating within the constraints of the Solvency II regulatory framework. The group's investable assets are generated from premium float and shareholder capital, with allocation overseen by the CFO and risk committee. Since the Ageas acquisition in 2025, esure's investment strategy is expected to align with Ageas Group's broader asset-liability management approach.

### How does esure generate the capital it deploys in markets?

Esure generates investable capital through its core personal lines insurance underwriting — predominantly motor and home policies across its esure and Sheilas' Wheels brands. Premiums are collected upfront, creating a float that is invested in financial assets until claims are paid. This insurance-float model means deployment capacity is a function of policy volume and underwriting profitability, not external fundraising cycles.

### Does esure participate in fund commitments or only direct deals?

Esure's investment activity is balance-sheet-driven rather than fund-commitment-driven. The portfolio is constructed through direct holdings of government bonds, corporate credit, and commercial real estate, managed internally to match liability duration. The firm has not publicly disclosed a private equity or venture capital fund commitment program.

### Which sectors does esure explicitly avoid in its investment portfolio?

Esure has not published a formal exclusion list. However, as a member of ClimateWise and the Association of British Insurers, the group incorporates climate risk considerations into its investment and underwriting processes. The Solvency II regulatory regime also imposes concentration limits that naturally constrain exposure to illiquid and high-risk asset classes.

### How is esure related to Ageas, and what changed in 2025?

Ageas, the Brussels-based international insurer, acquired esure Group from Bain Capital in February 2025 for £1.295 billion. This transition moved esure from private equity ownership back to insurance-company ownership. Esure now operates as part of Ageas's UK segment, with strategic and capital-allocation decisions expected to reflect Ageas Group's broader European insurance platform (per Ageas regulatory announcement, February 2025).

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Last updated: 2026-06-03T20:00:00.000Z

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