Help desk
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Q: When will I receive my policy documents?
A: The policy documents will be issued on the next working day after the date you paid for the policy.
For example, if you paid for your policy on Monday, the documents would be posted out by first class post on Tuesday.
Please note, however, that if you have purchased a Short Term Policy, then Documents are only available to view and download online. You can access them either by clicking on the 'Policy History' tab from your policy screen or by clicking on the link supplied in your welcome email. For this type of policy documents are not posted out.
Q: What products do you offer?
A: Bike Insurance: www.ebikeinsurance.co.uk
Van Insurance: www.evaninsurance.co.uk
Courier Insurance for Bike or Van: www.ecourierinsurance.co.uk
Car Insurance : www.ecarinsurance.co.uk
Modified Car Insurance: www.emodifiedcarinsurance.co.uk
Business Car Insurance: www.ebusinesscarinsurance.co.uk
Specialist Female Car Insurance: www.eladydriverinsurance.co.uk
Trouble getting reasonable insurance due to points on license? Try: www.elifebeltinsurance.co.uk
Home Insurance: www.ehomeinsurance.co.uk
Q: My car is not listed.
A: In this instance, you should email us at:enquiries@ecarinsurance.co.uk providing the following details of the car: Make,Model, Detailed Model Type, Body Style (e.g. estate), Year of Registration, Fuel Type, Geared / Automatic, Exact Engine Size CC, Number of Doors and if it is Imported - where from?
We will only provide cover for vehicles officially imported into the UK that are coded by the Association of British Insurers.
If you do not provide all these details we will be unable to look into your request any further.
If your vehicle is not listed, you should not use the nearest alternative as this could invalidate your insurance.
If your exact vehicle is not listed, you should contact us straight away.
If you have a Rover 100 Series car please read the following:
The name Rover 100 may refer to one of two different British motor vehicles:
* The Rover P4 100; produced by The Rover Co. Ltd. from 1960-62
* The Rover Metro, at various times also known as the Austin Mini Metro and Rover 100, amongst other names; produced by Austin Rover Group and MG Rover Group from 1980-98
We do not cover the original Rover 100 from the 1960s on our standard car policy as it would be classified as a Classic.
If you have one of the later Rover 100 series vehicles then you will have either a Rover 111, a Rover 114 or a Rover 115.
Please do not select Rover 100 as this relates to the original 1960s model.
Q: Am I covered Third Party to drive any other vehicle?
A: The "Driving other cars on a Third Party Only basis" extension is only provided on policies where the proposer/main driver is aged 25 years and over when the policy is taken out or renewed.
The following additional wording will appear on your certificate if you are eligible for this extension:
"The policyholder may also drive, subject to the owner’s permission, any motor car which does not belong to him/her, or is not hired to him/her under a hire purchase agreement."
Cover for driving other cars is restricted to the Policyholder only and cover will be limited to Third Party Only. There will be no cover for any loss or damage to the car being driven under this extension.
Q: Am I covered to drive abroad?
A: We allow unlimited foreign use in EU countries and a few others.
You have the same cover in all the countries listed in the Territorial limits that you do at home. For example, if you have comprehensive cover in the UK you will have comprehensive cover in the EU.
A Green Card is no longer necessary if you are travelling within the territorial limits of the policy. Your Policy, Schedule and Certificate of Motor Insurance will provide sufficient evidence that you are complying with the laws relating to compulsory motor insurance in any of these countries that you visit.
See also "What are the territorial limits of the policy?"
Q: Can you fax or send my cover note to the dealer I am buying the vehicle from?
A: Yes. Just email us at enquiries@ecarinsurance.co.uk with the details of the Salesperson and the Dealer's address and we will send the cover note within the next 3 working days.
This will not affect the certificate which is sent to you in the post on the next working day.
Q: My Occupation is not on your list. What should I input?
A: We do not list every occupation. Please select the category that most accurately describes your occupation.
For example, a plumber or joiner would input "Building and Allied Trades".
If you do not find anything suitable, please contact the helpdesk by emailing enquiries@ecarinsurance.co.uk.
If you input an occupation with the description "Other", your use will be limited to social, domestic, pleasure and commuting to one place of work.
Q: Can I insure two vehicles on the same policy but at different levels of cover?
A: No.
You can insure up to four cars on the Standard and Pay As You Go Products (provided that the vehicles are acceptable to our Underwriters), but the cover relates to the policy and not individual cars.
E.g. You cannot have one car covered fully comprehensive and another covered third party only on the same policy.
Q: How do I make changes to my policy online?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select “Make Multiple Changes”.
7) Navigate to the appropriate section (Contact Details, Drivers, Vehicles or Cover) and make the changes on screen.
8) Ensure you set the correct date and time from which you require the change to take effect.
9) Proceed to the “Quote Screen” by clicking “Next Step” buttons - details of any change in premium will be given on screen.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Following any changes online, new documents will be posted to you first class the next working day.
Q: I am thinking about buying a car that has been imported from outside Europe. Would you be able to provide cover?
A: We will only provide cover for vehicles officially imported into the UK that are coded by the Association of British Insurers.
Q: Can you provide me with a quote for my classic car?
A: We do not yet offer classic car insurance.
Q: Do you insure young drivers?
A: Yes we do - the minimum age is 17.
Q: How can I be removed / unsubscribe from your email list?
A: If you have got a quote from us, given your consent for us to email you and subsequently changed your mind, you can stop these emails by using our unsubscribe page.
Please click here to access our 'Unsubscribe page'. You will be asked to enter your email address.
Please note that this will not stop any emails related to a policy you hold with us - just occasional mailings about other products or services.
Q: What is the maximum age driver you will insure?
A: We will insure drivers aged 17 years to 75 years.
Q: How many motoring convictions do you accept?
A: This is dependent on the type of conviction, you will have to get an online quotation to see what effect they have on the premium we can offer.
You may be interested in www.elifebeltinsurance.co.uk if you have trouble getting reasonable insurance due to points on licence.
Q: My car has been modified; will you be able to provide cover?
A: Yes, please go to www.emodifiedcarinsurance.co.uk
We recognise that people with modified cars often struggle to find a competitively priced insurance policy. That is why we have designed this product specifically for them.
We have an extensive modifications section to select from when doing a quote. If you have a modification which is not listed, please email enquiries@emodifiedcarinsurance.co.uk
Q: I have been driving a company car for the last 5 years. Will you allow me any No Claim Bonus?
A: Yes - subject to a letter of proof from your employer stating the period of time that you have been driving accident free on their policy.
Q: What is an excess?
A: This is an amount you must contribute towards the cost of a claim.
Q: If I've been named on another policy, am I entitled to any no claims discount?
A: No.
The No Claims Discount would be in the name of the policyholder rather than a named driver.
Q: How do I make a claim?
A: It is important that you report any claim you wish to make against your eCar Insurance policy as soon as possible.
To report a claim please telephone our 24 hour claims notification helpline on 0845 219 0614 or, if your policy number ends in -LD, 0845 219 8551.
When you call, please have your current certificate of insurance ready and full details of the incident.
To request Breakdown Recovery, please phone:
For policies bought before 24/04/2008: 0808 168 0752
For policies bought after 24/04/2008: 0800 169 2644
To report a Windscreen claim, please phone 0870 300 0149.
These lines are manned 24 hours a day, 365 days a year.
Q: I would like to protect my No Claims Discount. How do I do this?
A: If you have 5 or more years No Claims Bonus then this is automatically protected and guaranteed for life.
This means that once you have 5 years or more NCD then we will not reduce your No Claims Bonus regardless of any number of claims.
Protected No Claims Bonus and the Guarantee for life are not available if you have less than 5 years No Claims Bonus.
Q: Can I get instant cover?
A: Yes, you can - just ensure that you specify today's date and the time you require the cover to begin.
Q: Do you insure motorbikes?
A: Yes we do. We cover both modern and classic bikes.
www.ebikeinsurance.co.uk
Please note, this would be a separate policy to your eCar policy.
Q: Do you insure vans?
A: Yes we do.
www.evaninsurance.co.uk
Please note, this would be a separate policy to your eCar policy.
Q: Do you insure cars and bikes on a joint policy? i.e. one policy for the two vehicles.
A: No, although we are developing systems to allow something like this.
Q: I have not yet received my Pass Plus certificate number, what do I do?
A: We appreciate that there is sometimes a delay in receiving the Pass Plus certificate number. If you have completed your Pass Plus, please complete the question with “Awaiting certificate”, and then log in to update this as soon as the certificate is received.
You may only do this if you have already completed Pass Plus.
Once you have received the certificate you must keep it safe as you may be required to produce it in the event of a claim.
If you cannot produce the certificate it may invalidate your claim.
Q: Do you insure Mobile Homes or Camper Vans?
A: No. We do not cover Mobile Homes or Camper Vans.
Q: I have a foreign licence: Do eCar accept foreign licences?
A: We only accept UK and EU licences.
It is your responsibility to ensure that you hold the correct entitlement to drive the van insured, if in doubt, please check with the DVLA and/or equivalent organisation from the country of origin.
We do not accept International or any other type of foreign licences.
Q: How do I change my Direct Debit details? How do I change the date of my Direct Debit payment?
A: Our Direct Debit facility is provided by Conister Trust Ltd and is administered by Panacea Finance.
If you need to make any changes to your Direct Debit payment(s) then you will need to contact them directly.
They can be contacted on 0845 219 0587 and are available between the hours of 9am and 5.30pm Monday to Friday.
The eCar installment plan will be underwritten by either Conister Trust Ltd which is arranged and administered on their behalf by Panacea Finance Ltd, or Panacea Finance Ltd directly.
Either can be contacted by writing to:
Panacea Finance Ltd,
MMT Centre,
Severn Bridge,
Aust,
Bristol
BS35 4BL
Please note that if you have a Pay As You Go monthly policy and you pay by card, rather than by Direct Debit, your "FuturePay" agreement is held by "WorldPay" NOT Panacea/Conister.
See also:
"How do I cancel my Worldpay / Futurepay Agreement for my Pay As You Go policy?"
"How do I contact WorldPay?"
Q: What is Pay As You Go?
A: Pay As You Go provides cover on a monthly basis for a monthly premium.
You can purchase cover when you need it and cancel when it is not required.
A renewal notice will be sent shortly before the expiry of the policy.
If you would like the policy to continue for another month, we will renew it automatically and collect the monthly premium.
If you would like to cancel your policy, you will need to log in to "Your Account" via the Customer Log In area on the homepage to cancel on or before the expiry date.
• Earn 1 years NCD for only 8 months' claim free cover.
• Maximum No Claims Discount guaranteed for life.
• The monthly rate you are quoted will be guaranteed for 8 months providing no changes are made.
Q: What is the Lifetime Guarantee?
A: If you have earned your right to maximum No Claims Discount (NCD) you can now keep it for life! eCar Insurance will not reduce your NCD following any number of claims.
This outstanding policy benefit is available to all proposers who have 5 or more years NCD.
Once you earn 5 years NCD, with eCar your NCD will be guaranteed for life.
Q: Class of Use
A: • Social, Domestic and Pleasure will allow all drivers to use the car for private use.
• Social, Domestic, Pleasure and Commuting will allow all drivers to use the car for private use and to commute to a permanent place of work or study.
• Business use (Class 1) will allow all drivers to use the car for private use and to commute to a permanent place of work or study.
The policyholder and/or spouse may also use the car in connection with his/her business or profession.
• Business Use (Class 2) will allow all drivers to use the car for private use and to and from a place of employment or study.
All drivers may also use the car in connection with the policyholder’s business or profession, and for the business of the policyholder’s employer or business partner.
The policy will exclude use for:
• Hiring
• Racing
• Competitions
• Track days
• Rallies or trials (other than road safety rallies or treasure hunts)
• Commercial travelling
• Carrying of passengers for hire and reward
• Any purpose in connection with the motor trade
Q: What is the Rapid Discount Accelerator?
A: The eCar Insurance Rapid Discount Accelerator allows you to earn 1 years NCD for 8 months' claim free cover.
The Rapid Discount Accelerator is available only on the Pay As You Go product and means that you can earn 5 years NCD in just 40 claim-free months!
Once you reach 5 years' NCD your discount will be guaranteed.
Q: Free European Use
A: All eCar Insurance policies (except Short Term Cover) provide cover within the Territorial Limits of the policy throughout the policy year.
This extension is provided for the purpose of travel only.
Your permanent home must be in Great Britain, Northern Ireland or the Isle of Man and must also be your primary residence.
The cover provided within the Territorial Limits is the same level of cover you have in the UK.
Please note, we do not offer European Breakdown Recovery.
Please refer to the policy wording for more details.
Q: Can I insure more than one car with you?
A: You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided that all vehicles and drivers are acceptable to our Underwriters.
The policy cover you select will apply to all cars on the policy.
You can cover up to 4 named drivers on a multi-car policy.
Q: Am I only covered Third Party when I go abroad?
A: You will have the same level of cover in all the countries listed in the Territorial Limits that you enjoy in the UK. For example, if you have Comprehensive Cover in the UK you will also have Comprehensive cover in the EU. Please note, we do not offer European Breakdown cover.
All eCar Insurance policies (except Short Term cover) provide cover within the Territorial Limits of the policy throughout the policy year. This extension is provided for the purpose of travel only. Your permanent home must be in Great Britain, Northern Ireland or the Isle of Man and must also be your predominant residence.
You need to take your policy schedule and certificate of insurance with you and this will act as proof that you are complying with the insurance laws in each country. You no longer need a Green Card.
We do not offer cover outside the EU.
European Accident Statement Forms are also available from us:
Please email us on enquiries@ecarinsurance.co.uk with your Full Name, Address and policy number and we will post a copy of the form out to you.
So that the form reaches you before your trip, we strongly advise that you send your request to us at least a week before you leave the country.
Q: I am going to Europe on holiday do I have to inform you and do I need a green card? Do I need to pay for cover abroad?
A: You do not need to notify us if you are taking your car on holiday to Europe.
All eCar Insurance policies (except Short Term cover) provide cover within the Territorial Limits of the policy throughout the policy year. This extension is provided for the purpose of travel only. Your permanent home must be in Great Britain, Northern Ireland or the Isle of Man and must also be your predominant residence.
Your insurance policy covers you in the following countries as standard and at no extra cost to you:
Great Britain
Northern Ireland
The Isle of Man
The Channel Islands
The Republic of Ireland
Austria
Belgium
Cyprus
Denmark
Estonia
France (including Monaco)
Finland
Germany
Greece
Hungary
Italy (including San Marino and the Vatican City)
Latvia
Lithuania
Luxembourg
Malta
The Netherlands
Norway
Poland
Portugal
Spain
Sweden
The Czech Republic
Slovakia
Slovenia
Switzerland
Croatia
Lichtenstein
Andorra
Iceland
Gibraltar
You will have the same level of cover in all the countries listed that you enjoy in the UK. For example, if you have Comprehensive Cover in the UK you will also have Comprehensive cover in the EU. Please note, we do not offer European Breakdown cover.
You need to take your policy schedule and certificate of insurance with you and this will act as proof that you are complying with the insurance laws in each country. You no longer need a Green Card.
We do not offer cover outside the EU.
European Accident Statement Forms are also available from us:
Please email us on enquiries@ecarinsurance.co.uk with your Full Name, Address and policy number and we will post a copy of the form out to you.
So that the form reaches you before your trip, we strongly advise that you send your request to us at least a week before you leave the country.
Q: How do I cancel my policy?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online:
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you can skip this option by clicking “Continue”).
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select “Cancel Your Policy”.
7) Ensure you set the correct date and time from which you require the cancellation to take effect.
8) Proceed to the “Quote Screen” by clicking “Next Step” buttons - details of any refund will be given on screen, if applicable.
9) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
10) If you do not wish to proceed, you can abandon the cancellation and your policy will remain unchanged.
Any refund due to you will be issued by cheque and sent to you in the post. This process takes approximately 14 days.
If applicable, a cancellation schedule will details your No Claims Discount entitlement. This will be posted to you first class the next working day.
PAY AS YOU GO CUSTOMERS PLEASE NOTE:
If you are paying for your insurance monthly through a FuturePay agreement with WorldPay you will need to cancel this agreement.Please log on to the Shopper Management System by clicking on this link: www.worldpay.com/shopper
Please note that once the Futurepay Agreement has been cancelled your policy cannot be reinstated.
There are no refunds due if you cancel your Pay As You Go policy having gone on cover.
Q: My policy is not live yet but I want to make changes to it why can't I?
A: If there is a delay between when you purchased the policy and the start date, the policy is “frozen” during this time and changes cannot be made before the policy becomes active. There are two options available:
1- Wait until after your policy has begun, and then make the amendments online yourself. You will receive two sets of documents, the originals and an amended set. The first set can be destroyed or retuned once the replacements are received.
2- We can cancel your policy - this will generate a full refund of your premium, this will take up to three working days to clear back to your card (you will not incur any charges for this as your policy has not yet begun). You would then be required to set up a new policy via the online quote system inputting the correct details and entering your payment details again.
You cannot make changes after you have clicked "Buy Now". You should not click the "Buy Now" button until you are sure all the details are correct.
Q: If I am on a Pay As You Go scheme do I need to ring you to renew my policy each month?
A: No, the policy will automatically renew each month - provided payment is received - unless you cancel it.
Q: Is My No Claims Discount Protected? Is My No Claims Discount Guaranteed?
A: If you have 5 or more years No Claims Bonus then this is automatically protected and guaranteed for life. This means that once you have 5 years or more NCD then we will not reduce your No Claims Bonus following any number of claims.
Protected No Claims Bonus and the Guarantee for life are not available for those with less than 5 years No Claims Bonus.
Q: Where can I see your Terms of Business?
A: Our Terms of Business are available by clicking on the link on the bottom right hand side of the Homepage or please Click Here.
Q: What is the Duty of disclosure?
A: eCar Insurance expect you to provide complete and accurate information when you take out your insurance policy, throughout the lifetime of the policy and when you renew your insurance.
If you are unsure about disclosing any information please contact us for guidance.
Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
Always keep copies of correspondence sent or received concerning your insurance.
You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a Certificate of Motor Insurance.
Q: Where can I view your Privacy Policy?
A: Our Privacy and Security policy can be viewed by clicking the link on the bottom right hand side of our Homepage or please Click Here.
Q: How can I contact you?
A: You can find details of how to contact us by clicking on the Contact button at the top of the homepage or please Click Here.
Please note that we are unable to give Quotes or Make Changes to Your Policy by Telephone, Post or Email.
Any Quotations or Changes need to be done online.
Q: What is acceptable No Claims Bonus? What do you accept as proof of my NCD?
A: Acceptable proof of bonus
• EU bonus (if provided in English)
• Commercial vehicle bonus
• Private car bonus.
• Company car claim free driving experience (subject to letter of proof from insured’s employer).
• Motorcycle bonus
Unacceptable proof of bonus
• Foreign bonus (non EU).
• Any form of bonus proof more than 2 years old.
• Proof of bonus not belonging to the policyholder
No claims bonus cannot be used on 2 or more policies that are running at the same time.
Q: Social Domestic and Pleasure use - what does it allow me to do?
A: Social, Domestic and Pleasure will allow all drivers to use the car for private use.
Q: Social, Domestic, Pleasure and Commuting - what does it allow me to do?
A: Social, Domestic, Pleasure and Commuting will allow all drivers to use the car for private use and to commute to a permanent place of work or study.
Q: Business use (Class 1) - what does it allow me to do?
A: Business use (Class 1) will allow all drivers to use the car for private use and to commute to a permanent place of work or study.
The policyholder and/or spouse may also use the car in connection with his/her business or profession.
Q: Business Use (Class 2) - what does it allow me to do?
A: Business Use (Class 2) will allow all drivers to use the car for private use and to and from a place of employment or study.
All drivers may also use the car in connection with the policyholder’s business or profession, and for the business of the policyholder’s employer or business partner.
Q: Can I get a cheaper quote by calling or emailing you? Do you price match?
A: Our best price is always displayed online and we do not price match.
Quotations are only available online and we are unable to give quotes by telephone, post or email.
By being a purely online insurance provider our aim is to pass on the maximum savings to our customers by cutting out brokers and large call centres whilst still providing a quality service to all.
Q: Can I remove the legal expenses cover to get a cheaper quote?
A: It is not possible to remove legal expenses cover as it is included in the policy. It is an integral part of your cover
Q: If I cancel my Pay As You Go policy after cover has started will I get a refund?
A: If you have a Pay As You Go car policy and you cancel your policy having gone on cover, no refund of premium will be allowed.
Please see the Policy and Administration Charges section of our Terms of Business for full details.
Q: Do you take part in The Financial Services Compensation Scheme?
A: If we are unable to meet our liability under this policy you maybe entitled to compensation from the Financial Services Compensation Scheme (FSCS).
This will depend on the circumstances of the claim.
Further information about the compensation scheme arrangements can be found on the FSCS website www.fscs.org.uk or by writing to:
Financial Services Compensation Scheme
7th Floor, Portsoken Street, London E1 8BN.
Q: I can't find my Rover 100 listed?
A: The name Rover 100 may refer to one of two different British motor vehicles:
* The Rover P4 100; produced by The Rover Co. Ltd. from 1960-62
* The Rover Metro, at various times also known as the Austin Mini Metro and Rover 100, amongst other names; produced by Austin Rover Group and MG Rover Group from 1980-98
We do not cover the original Rover 100 from the 1960s on our standard car policy as it is too old.
If you have one of the later Rover 100 series vehicles then you will have either a Rover 111, a Rover 114 or a Rover 115.
Please do not select Rover 100 as this relates to the original 1960s model.
Q: Do you cover LPG vehicles? My car's had a LPG conversion.
A: Yes, we cover cars that have been converted to run on LPG.
Please add this on as a modification when either taking out or amending your policy.
Q: Do you charge for Credit or Debit Card Payments?
A: Payments by Debit Card attract no additional fees.
Due to the additional charges imposed upon us by our bankers Credit Card payments attract an additional fee of 2.8%.
Q: What payment methods do you accept? Can I pay by cash or cheque?
A: We only accept Mastercard, Visa Credit, Visa Debit, Visa Delta, Visa Electron, Switch, Maestro, Solo and JCB.
Please note that due to extra costs imposed on us by our bankers for Credit Card transactions, an additional 2.8% fee is added on to these payments. Debit Cards are not subject to this additional fee.
We are unable to accept payment by cash, cheque, standing order, postal order or direct credit.
The types of policy and payment methods available are:
1 – Standard Annual payment in full - This is a one off payment from either your credit card or debit card.
2 – Standard Annual Direct Debit Instalments – We ask for a deposit to be paid via credit card or debit card. We then ask for your bank account details, so that a direct debit agreement can be set up for the remaining nine monthly payments. Please note that although there are only ten payments in total – the policy provides twelve months cover. Direct Debit is a credit agreement, therefore is not available to policyholders aged under eighteen years old.
3 – Pay As You Go - This is a month by month policy which is paid via a credit card or debit card. You will enter your card details on “WorldPay”, which is a secure payment site, so that payment will be collected automatically every month unless you cancel your policy prior to the renewal date.
Q: How can I get proof of my No Claims Discount?
A: If you cancel your policy mid-term, you will receive a cancellation schedule through the post which will provide details of any No Claims Discount that you are entitled to.
If you allow your policy to lapse at renewal, your renewal invitation will act as your proof of No Claims Discount and should be acceptable to most insurers.
After your policy has finished, you may request proof of no claims discount online:
1) Please go to our home page www.ecarinsurance.co.uk.
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “Request Proof of NCD” button next to the relevant policy. (This button will not be available if the policy is still running.)
A letter detailing your Proof of No Claims Discount will be posted first class the next working day. This will be generated automatically and sent to the last address that we have on file.
If you require your Proof of No Claims Discount to be sent to a different address, then please email us at enquiries@ecarinsurance.co.uk.
Q: How long after not having insurance is my No Claims Discount valid?
A: We accept No Claims Discount providing it is no more than 2 years old.
Q: Do you provide cover for couriers?
A: We offer tailored, competitive premiums specifically for couriers. Please select "Courier" as your Occupation and Class of Use.
Q: Do I need to list windscreen or glass claims?
A: Claims for damage to windscreen or glass do not need to be entered in the accident/claims screen.
Q: Can I print out a certificate?
A: You are able to print out a current certificate by logging into your Account area:
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you can skip this option by clicking “Continue”).
3) From the “Welcome” page, select the “Policies” tab.
4) Select the appropriate “View Policy” button.
5) Select the "Print a Certificate" button.
Please note, if you have a very poor quality printer or paper, some Post Offices may not accept a printed out copy of your certificate as valid proof of insurance for Road Tax purposes.
Q: Up to 4 Cars on Standard and Pay as You Go Policies....
A: You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided all vehicles are acceptable to our Underwriters.
The policy cover you select will apply to all cars on the policy and you can cover up to 4 named drivers on a multi-car policy (provided they are acceptable to our Underwriters).
Q: My job sometimes involves carrying clients, students, charges etc; does my insurance cover this?
A: No, we do not insure the carrying of passengers for hire, reward or employment related purposes.
Q: Do you insure hire vehicles?
A: On our Standard policies, we will only accept long term hire agreements of one year or more, in which you have established a legal contract with the hire company and are contractually responsible for any damage to the vehicle.
We also offer a separate 'Short term cover' policy.
We will cover you on a social, domestic and pleasure basis for any period between 1 and 28 days and you have the option to extend this to cover commuting use as well.
Short Term Cover is ideal for:
- Driving a friend's car for a temporary period, such as an airport trip or use during a holiday
- Insuring another person to drive your car temporarily if you want to share driving on a long trip
- Test driving a car you are looking to purchase
- Driving a courtesy car supplied by a garage
- Driving a car that you've hired
Your policy booklet and certificate are available instantly on-line.
Only available for drivers aged between 25-75 inclusive
To get a quote for 'Short Term Cover", please visit the eCar Insurance Homepage
Q: Can I insure my common law/live-in partner's vehicle in my name?
A: Yes.
Cars owned by anyone other than the Proposer, Proposer’s spouse, Proposer’s Civil Partner, Common Law Partner, Employer or Finance Company are unacceptable.
Q: Am I covered in Bulgaria or Romania?
A: Bulgaria and Romania have recently joined the EU, but at present these countries are not listed as part of the Territorial Limits in our policy documentation. Southern Rock however has agreed to provide RTA (Road Traffic Act) cover for clients travelling in these countries in the interim.
Under the terms of the Third European Union Directive vehicles used in EU countries must provide the minimum cover required in the country the vehicle is registered, or the country in which it is being used; whichever is the greater.
The minimum level of cover available in the UK is RTA and offers the following cover:
The 1988 Road Traffic Act provides for unlimited indemnity in respect of bodily injury or death to third parties, a £250,000 limit for loss of or damage to third party property, claimants’ costs and expenses, and emergency medical treatment and hospital charges arising out of the vehicle use.
Please note that the driving of other cars benefit does not allow eligible car policyholders’ to drive any other car outside the United Kingdom.
Please note that our Short Term policy does not provide any cover outside the UK.
Q: Policy and Administration Charges
A: In addition to the premium, charges are made to cover the administration of your insurance. These are as follows: Pay As You Go premiums are subject to a £6 a month administration charge.
Mid Term Changes to your policy will be subject to a £25 administration charge if the Additional Premium is over £20 or the Return Premium is over £35. Refunds of less than £10 will not be allowed. For additional premiums under £20 the administration fee will be waived.
Cancelling Your Policy. On cancellation of your annual policy we may allow a refund of premium on a pro rata basis, subject to no claims having been made in the Policy Term. This will be paid less a cancellation charge of £50.
Q: I can’t tax my vehicle online. It says that it’s not on the MID. Does that mean I’m not insured?
A: It normally takes 3 days to add data onto the Motor Insurers’ Database (MID) and in some cases a little longer, therefore you may experience problems after taking a new policy out, when doing a change of vehicle and again at renewal.
The MIIC website states that ‘If the vehicle is not on the MID it does not necessarily mean it is uninsured, although the police will clearly wish to make further enquiries and may ask to see proof of insurance – the certificate of insurance is still the proof’.
If you wish to view the original source of this information, please click on the above link - this will take you to the MIIC website. The MIIC (Motor Insurers' Information Centre) is a division of the MIB (Motor Insurers' Bureau) and controls the MID (Motor Insurance Database). You will need to download the "Brokers FAQs" and go to question 15.
The police should be aware of this and that the MID is not a real time tool and not 100% accurate. It is at the discretion of the police as to whether they give drivers the opportunity to produce evidence of insurance, or impound the vehicle if they have reason to believe that the vehicle is uninsured.
If your vehicle has been impounded by the Police and a satisfactory reason is not forthcoming, you have the right to pursue the matter via the Independent Police Complaints Commission (IPCC).
We are not liable for impound charges.
We therefore recommend whilst you are driving you carry a copy of your motoring certificate as evidence of insurance.
Q: What is the MID?
A: The Motor Insurers Database (MID) contains details of all registered vehicles in the UK and the related insurance details and is run by the Motor Insurers Information Centre (MIIC), a division of the Motor Insurers’ Bureau.
MID data may be used by the DVLA and DVLNI for purpose of electronic vehicle licensing and by the police to tackle motor vehicle crime.
Q: I have been stopped by the police / my vehicle has been impounded because my vehicle is not on the MID, yet I have a valid policy with you. Why is this?
A: It normally takes 3 days to add data onto the Motor Insurers’ Database (MID) and in some cases a little longer, therefore you may experience problems after taking a new policy out, when doing a change of vehicle and again at renewal.
The MIIC website states that ‘If the vehicle is not on the MID it does not necessarily mean it is uninsured, although the police will clearly wish to make further enquiries and may ask to see proof of insurance – the certificate of insurance is still the proof’.
If you wish to view the original source of this information, please click on the above link - this will take you to the MIIC website. The MIIC (Motor Insurers' Information Centre) is a division of the MIB (Motor Insurers' Bureau) and controls the MID (Motor Insurance Database). You will need to download the "Brokers FAQs" and go to question 15.
The police should be aware of this and that the MID is not a real time tool and not 100% accurate. It is at the discretion of the police as to whether they give drivers the opportunity to produce evidence of insurance, or impound the vehicle if they have reason to believe that the vehicle is uninsured.
If your vehicle has been impounded by the Police and a satisfactory reason is not forthcoming, you have the right to pursue the matter via the Independent Police Complaints Commission (IPCC).
We are not liable for impound charges.
We therefore recommend whilst you are driving you carry a copy of your motoring certificate as evidence of insurance.
Q: How do I add additional car(s) to my policy?
A: Subject to ownership, up to four cars can be added to a policy (provided that the vehicles are acceptable to our Underwriters).
As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select "Make Multiple Chages" from the list.
7) Click the “Add another Van” button.
8) Enter the details of the additional van.
9) Set the date and time that you wish the insurance to start on the additional van and proceed to the final page.
10) Details of any change in premium will be given on screen.
11) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
Following any changes online, new documents will be posted to you first class the next working day.
12) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Q: My MOT has expired. I have booked a MOT, am I insured to drive to the MOT test centre?
A: We do not provide cover to drive to a MOT test centre if the insured van does not have a valid MOT certificate; this is stated under "General Conditions - 3. Care of Your Car" in our policy wording.
Q: How do I change my address?
A: eCar Insurance is an online company, which enables clients to manage their policies online.
Your address is a rating factor for insurance pricing; your premium may therefore change. You may have to pay extra, it may stay the same, or we may send you a refund. If you have more than one policy, you must apply the change of address to all of your policies separately.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you can skip this option by clicking “Continue”).
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select “Make Multiple Changes”.
7) In the “Contact Details” section, overtype the details of your new address. N.B. if your garage status has changed, this will need to be updated in the “Vehicles” section.
8) Ensure you set the correct date and time from which you require the change to take effect.
9) Proceed to the “Quote Screen” by clicking “Next Step” buttons - details of any change in premium will be given on screen.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
If you have more than one eGroup insurance policy, please repeat steps 4 to 10 as applicable.
Following any changes online, new documents will be posted to you first class the next working day.
Q: Information for policyholders employed in the armed forces
A: • We will still provide cover for policyholders on active duty abroad, providing the vehicle remains in the UK.
• We will not provide cover for you to use your vehicle abroad if you are based there with the armed forces, as European cover is for travel purposes only.
• If you store your vehicle overnight on a UK base, this would not qualify for the garaging discount unless the vehicle is garaged.
• If you reside at a private address, you do not need to do a change of address if you also reside regularly at the barracks. You would need to input the barrack postcode in the quote field where the vehicle is regularly stored overnight; the system will then rate on the highest postcode.
Q: What are the territorial limits of the policy?
A: Territorial Limits:
Great Britain,
Northern Ireland,
Isle of Man,
Channel Islands,
Republic of Ireland,
Andorra,
Austria,
Belgium,
Croatia,
Cyprus,
Czech Republic,
Denmark,
Estonia,
France (including Monaco),
Finland,
Germany,
Gibraltar,
Greece,
Hungary,
Iceland,
Italy (including San Marino and the Vatican City),
Latvia,
Liechtenstein,
Lithuania,
Luxembourg,
Malta,
Netherlands,
Norway,
Poland,
Portugal,
Spain,
Sweden,
Switzerland,
Slovakia,
Slovenia,
See also "Am I covered to drive abroad?"
Q: What is a voluntary excess? What is a Compulsory excess? How do I find out my excess?
A: An excess is the amount you must pay towards an applicable claim. The reason for this is to prevent lots of small claims which would increase insurance premiums for everyone.
During the quote process, please click on “View Excesses and Endorsements” to view your total excess amount. This is found on the quote screen above your premium amount.
The excess on a comprehensive policy is split between compulsory excess and voluntary excess:
-The compulsory excess is an amount that cannot be changed; it is dictated by the grouping of your vehicle.
-The voluntary excess can be changed to an amount between £0 to £500, this will affect the premium. E.g. if someone has a very high premium, they may opt to pay a higher excess in order to reduce their premium.
Please note that if you select £0 voluntary excess, there will still be a compulsory excess on the policy.
If your policy is already running, please refer to your policy documents for details of your excesses and endorsements.
Q: How do I contact WorldPay?
A: You can contact WorldPay by logging on to the Shopper Management System by clicking on this link: www.worldpay.com/shopper
Or you can telephone them on 0870 366 1233.
Q: How do I cancel my Worldpay / Futurepay Agreement for my Pay As You Go policy?
A: Please also see the instructions in “How do I cancel my policy?”.
As long as 5 days notice is provided, we will cancel your FuturePay agreement for you to stop any additional payments from being collected.
If you wish to cancel your policy within 5 days of your next monthly payment, you would need to cancel your FuturePay agreement yourself.
To do this, log on to the Shopper Management System www.worldpay.com/shopper and follow the on screen instructions.
If you believe that an extra payment has been collected in error, please contact us at payments@egroupltd.co.uk , we will then arrange a refund (if appropriate).
Please note: There are no refunds if you cancel your Pay As You Go policy after your policy has started or renewed.
Please also note that once the Futurepay Agreement has been cancelled your policy cannot be reinstated.
Q: Will I be covered for business use whilst in Europe?
A: European cover is for travel purposes only.
Only "Social, Domestic and Pleasure" is applicable as a European class of use - regardless of the class of use you have selected for your UK cover.
Please note that our Short Term policy does not provide any cover outside the UK.
Q: Is cover in Europe limited to a particular timescale?
A: All eCar Insurance policies (except Short Term cover) provide cover within the Territorial Limits of the policy throughout the policy year.
Your permanent home must be in Great Britain, Northern Ireland or the Isle of Man and must also be your predominant residence.
This extension is provided for the purpose of travel only.
Please note that our Short Term policy does not provide any cover outside the UK.
Q: How long is my quotation valid for? When will my quote expire?
A: You may set your policy to begin within 30 days - however, if you do not purchase it straight away, your quotation is valid for 14 days - unless the required start date you have set is within 14 days, in which case, the quotation will expire once the start time and date has passed.
If you recall your quotation in 13 days time, it will be the same - however, if you recall your quote in 15 days time, the premium will have recalculated.
Q: How Do I Change My Email Address ?
A: You may log onto your policy using your old email address, even if this is no longer in use it will provide access into your policy. Your email address acts as a kind of password.
1) Please go to our home page www.ecarinsurance.co.uk.
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you can skip this option by clicking “Continue”.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select “Make Multiple Changes”.
7) Navigate to the “Contact Details” section, and change your email address on screen.
8) Ensure you set the correct date and time from which you require the change to take effect.
9) Proceed to the “Quote Screen” by clicking “Next Step” buttons.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Following any changes online, new documents will be posted to you first class the next working day.
N.B If you have more than one eGroup policy, please repeat steps 4 to 10 for each policy.
Q: What is a Mid Term Adjustment?
A: A Mid Term Adjustment is a change made to a policy after it has started.
Q: eVouchers
A: What are eVouchers?
eVouchers give you discounts from new insurance products.
When can I use them?
You can use them whenever you buy a new annual policy with us.
Can I use more than one eVoucher against one policy?
No. You can only use one voucher per policy
Which products can I use them against?
Vouchers are for eCar, eBike, eVan and eHome - Third Party only, Third Party Fire & Theft and Comprehensive policies.
Can I use any eVoucher for any product?
No. You must use the appropriate voucher with the corresponding product. For example, an eCar eVoucher can only be used with an eCar policy.
Can I use the eVouchers to purchase add-on products with my policy?
Yes. You can use vouchers against the total selling price of any new policy. For example, this total can include add-ons which may include Breakdown Recovery cover for a Car policy or Helmet & Leather cover for a Bike policy.
Can I use the vouchers to purchase add-on products whilst my insurance policy is running?
No. Vouchers must be used at the same time as you purchase the policy.
If I forward eVouchers to my family and friends how do I receive my discounts?
You receive a £5 credit every time one of the vouchers forwarded on is used by a friend or family member. These credits are then accrued in your eWallet and can be used against any new or renewed policy if no voucher is available.
How do my friends and family receive their discounts?
Discounts are applied in the same way as your own. Click on a voucher and this will commence the quotation process.
Can I use eVouchers and credits in my eWallet against a single policy?
No. Credit in the eWallet will be used if no eVouchers are available.
Can I request that my eWallet credits are sent to me in the form of a cheque?
No. eWallet credits can only be used online against insurance products.
If I cancel my policy, do I get my eVoucher credited back to me?
No. A voucher cannot be used more than once.
Do the credits on my eWallet have an expiry date?
No. You can use the credits in your eWallet whenever you like.
Q: Please provide a definition of Motor Trade as an Occupation...
A: eCar define the occupation ‘Motor Trade’ as those individuals who buy/auction/sell vehicles, by whichever means.
Therefore, those employed in ancillary motor occupations such as motor plant assembly workers, parts providers etc are not classed as 'Motor Trade'. Occupation should then be input as 'Other non-professional'.
Q: Do I Get Breakdown Recovery Cover With My Policy?
A: All eCar comprehensive Standard and Pay As You Go policies come with Breakdown Recovery included in the price, provided no car on the policy is more than 8 years old.
This covers you and any passenger or driver, who is in the insured vehicle at the time of the breakdown, anywhere in the United Kingdom, Northern Ireland and Isle of Man.
You will be provided with a high level of cover, including:
•Roadside repairs
•Home breakdown
•Vehicle recovery
•Getting you to your destination
More information is available from the policy wording downloads page. Please Click Here.
Please note that your breakdown policy only covers you for up to 6 breakdowns per period of insurance.
If you take out a Standard annual Non-Comprehensive policy or your car is over 8 years old, then Breakdown Recovery Cover is only available as an optional extra at a cost of £39.90 and is not automatically included.
Please note: If you have a Standard Comprehensive policy with automatically included breakdown cover and your car becomes 8 years old during the period of insurance, the automatically included Breakdown assistance will remain valid until either the policy is cancelled or renewed. At renewal, Breakdown cover will then be offered as an option available for purchase as a policy extension.
Q: Can I remove the breakdown recovery cover to get a cheaper quote?
A: It is not possible to remove the breakdown recovery cover if you have a Standard Comprehensive Policy and your vehicle is under 8 years old. Breakdown recovery is an integral part of the cover provided on these policies.
If you take out a Standard Non-Comprehensive policy or your vehicle is over 8 years then Breakdown Recovery Cover is only available as an optional extra and is not automatically included.
Q: If I have a breakdown will this affect my No Claims Bonus? Will it count as a claim against my insurance policy?
A: No. Breakdown cover does not affect your No Claims Bonus if you make a claim on this section of your policy. Breakdown claims do not count as claims against your main insurance policy.
More information is available from the policy wording downloads page. Please Click Here.
Please note that your breakdown policy only covers you for up to 6 breakdowns per period of insurance.
Q: How do I increase the level of cover?
A: You will not be able to increase the level of cover part way through the policy, unless you are also changing your car.
The level of cover applies to the policy as a whole, not to individual cars. If you have more than one car on your policy, they can only be covered at the same level.
You cannot have one car covered Fully Comprehensively and another covered Third Party Only on the same policy.
Q: How do I Change my Telephone Number?
A: 1) Please go to our home page www.ecarinsurance.co.uk.
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you can skip this option by clicking “Continue”).
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Click on “Make Multiple Changes”.
6) Overtype the telephone number, and then proceed through the policy.
7) Ensure you set the correct date and time from which you require the change to take effect.
8) Proceed to the “Quote Screen” by clicking “Next Step” buttons.
9) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
10) If you do not wish to proceed, you can abandon the change and your policy will remain unchanged.
Following any changes online, new documents will be posted to you first class the next working day.
If you have more than one eGroup policy, please repeat steps 4 to 9 for each policy.
Q: How do I change my car from one to another?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or login using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select “Make Multiple Changes”.
7) Navigate to the “Vehicles” section and select the “Change” button next to the car you wish to replace, type over the existing car details with the details of the replacement.
8) Ensure you set the correct date and time from which you require the insurance to switch from the current car to the replacement.
9) Proceed to the “Quote Screen” by clicking “Next Step” buttons - details of any change in premium will be given on screen.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Q: How do I remove a car from my policy?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option).
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select "Make Multiple Changes" from the list.
7) Navigate to the "Vehicles" section.
8) Select the car you wish to remove – Click the “Delete” button.
9) Set the date and time that you wish the insurance to finish for this car and proceed to the last page.
10) Details of any change in premium will be given on screen.
11) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
Following any changes online, new documents will be posted to you first class the next working day.
12) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Please note that you must have at least one car on your policy.
Q: Why won’t the system let me make any changes?
A: There could be several reasons why the system won't let you make a change:
• 1. You have recently made a change to your Policy.
Until this change becomes effective you will not be able to make any further changes to your policy.
• 2. You have tried to make a change to your policy and not completed it.
To complete the change you will need to click on either the “Complete Changes” button. If you no longer require the change, or perhaps it was just for the purposes of a quote, please select the “Abandon Changes” button.
• 3. You have just taken out a policy and it is not yet live.
You are unable to make changes to your policy until it becomes live. If you urgently need to make a change to your policy before it becomes live then please call the Helpdesk on 0845 219 0592 (available between 9:00 to 5:00 Monday to Friday) for assistance.
• 4. You have just renewed your Annual Policy and it is before the renewal date.
You are unable to make any changes until after the renewal date. If you urgently need to make a change to your policy before it becomes live then please call the Helpdesk on 0845 219 0592 (available between 9:00 to 5:00 Monday to Friday) for assistance.
Q: How do I make more than one change at the same time? How do I do multiple changes?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select "Make Multiple Changes" from the list.
7) Make the required changes on screen and proceed to the final page.
8) Details of any change in premium will be given on screen.
9) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
Following any changes online, new documents will be posted to you first class the next working day.
10) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Q: What is an incomplete mid-term adjustment?
A: An "Incomplete Mid-term Adjustment" is when you have not completed a change to your policy.
When you log onto your policy, you will see a red box advising you that there is an "Incomplete Mid-Term Adjustment".
Click to view the relevant policy, and then select either the “Complete Changes” or “Abandon Changes” box.
Q: How do I renew my policy?
A: As eCar Insurance is an online company, you are required to renew your policy online.
If you have a Standard annual policy and wish to renew for another year, please follow the instructions below:
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) If you have received your renewal invitation, you will be taken straight to the “Policy Renewal” page.
4) To check your details and renew your policy, click ”Review / Amend my Renewal Details”
Using this option you can:
• Renew your policy as it is
• Change your policy details with effect from the renewal date - a new renewal premium will be generated instantly.
4a) If you require changes to your policy before the renewal date, click “Make Changes to my Current Policy (before renewal)”
If you use this option, a new renewal premium will be generated instantly.
5) Check through your details on screen.
6) Select either “Amend Details” or “Proceed”. If you need to change any details at renewal you can do this by clicking on the relevant tabs across the top of the screen and following the screens through to the end and making payment. If you amend any rating factors, an amended renewal amount will be displayed on screen.
7) Details of your renewal premium will be given on screen.
8) Where applicable, you may add policy extensions, or change the level of voluntary excess.
9) If you wish to proceed, tick the “Terms and Conditions” box and click “Renew Now”.
10) You may change your payment method at the payment stage.
New documents will be posted to you first class the next working day.
By clicking on "Renew Now" you are not committing your self to renewing your policy. If you do not pay for your policy before the renewal date and time, then the policy will automatically lapse and cannot then be reinstated.
After you renew your policy, you will have to wait until after your policy renewal date before you can make any further changes.
For Pay As You Go Policies:
If you are paying for one of these policies either by Credit or Debit Card (via a FuturePay Agreement through WorldPay) or by Direct Debit (administered by Panacea Finance) you do not have to do anything as these policies renew automatically each month until you cancel.
You must advise us of any Convictions when taking out or renewing a policy. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
Q: How do I change my car's registration number?
A: As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select "Make Multiple Changes" and navigate to the "Vehicles" section.
7) Select the car you wish to amend – Click the “Change” button.
8) Over-type the "Registration Number" box with the new details.
9) Set the date and time that you wish the insurance details to change.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
Following any changes online, new documents will be posted to you first class the next working day.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
Q: How do I change the level of cover? How do I change from Comprehensive to Third Party Fire and Theft Cover?
A: You will not be able to increase the level of cover part way through the policy, unless you are also changing your car.
The level of cover applies to the policy as a whole, not to individual cars. If you have more than one car on your policy, they can only be covered at the same level.
You cannot have one car covered Fully Comprehensively and another covered Third Party Only on the same policy.
In order to decrease the level of cover on your policy, please follow the instructions below:
As eCar Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.ecarinsurance.co.uk
2) Log in using your email address and policy number (or log in using password – if you do not already have a password, you will later be invited to either create one or skip this option.)
3) From the “Welcome” page, select the “Policies” tab.
4) Select the “View Policy” button next to the policy you wish to amend.
5) Select “Make Changes to your Policy”.
6) Select "Make Multiple Changes".
7) Navigate to the "Cover" section.
8) Select level of cover and proceed to the final page.
9) Details of any change in premium will be given on screen.
10) If you wish to proceed, tick the “Terms and Conditions” box and click “Confirm Changes”.
Following any changes online, new documents will be posted to you first class the next working day.
11) If you do not wish to proceed, you can abandon the changes and your policy will remain unchanged.
PLEASE NOTE THAT THE LEVEL OF COVER RELATES TO THE POLICY AND NOT TO INDIVIDUAL CARS. YOU CANNOT HAVE TWO DIFFERENT CARS ON A POLICY AT DIFFERENT LEVELS OF COVER.