ABOUT ESURE
esure was founded in 1999 by Chairman, Peter Wood, to offer competitive insurance cover by using the internet as a primary sales channel. Mr Wood pioneered the direct selling of insurance over the telephone back in 1985, when he launched Direct Line. With esure, his aim was to go a step further and harness the efficiency of the internet to give a better deal to responsible drivers and careful homeowners.
From the outset, our goal was to offer superior service - on both the internet and phone - while using technologically advanced systems and underwriting to keep premiums low.
In just a few years, esure became one of the fastest growing insurers ever, with over 1 million customers joining us before our 5th birthday. The company took another major step forward with the launch of the iconic Sheilas' Wheels brand in 2005. Sheilas' Wheels has gone on to be one of the most recognised female insurance brands in the UK. Overall, esure has received numerous accolades for the quality of our cover and online services as well as our innovative marketing.
The company supports charitable concerns through its participation in the HBOS Foundation. It also supports the Miss Dorothy Com charity which helps to educate school children about recognising and dealing with risks in their lives and the 'Safe Drive Stay Alive' campaign to teach driving age teenagers about the dangers of the road.
esure's history
The esure brand was announced to the press in February 2000 and launched to the public in July 2001. Prior to the brand launch, esure had taken on the underwriting and management of Halifax Car Insurance for Halifax (later HBOS) - a product we still manage.
The company started out with less than 50 staff in offices in Wallington, Surrey, before moving to our Head Office in Reigate, Surrey.
Following its launch, esure quickly established itself as one of the freshest and most competitive insurers in the market. Car insurance sales grew rapidly with large numbers of internet and telephone customers switching to esure thanks to benefits such as a No Claim Discount scale that extends to 75%.
We officially launched esure home insurance - with its contents no claim discount of up to 45% - in September 2001. Our contents cover includes a range of customer-friendly benefits such as our enhanced cover for garden contents and office equipment in the home and also features esure's unique 'pest cover' option to protect homeowners from infestation by rats, wasps, hornets and squirrels.
In July 2002, esure joined forces with Sainsbury's Bank to offer car insurance. This policy features a number of unique benefits, such as the RoSPA-endorsed policy of replacing child car seats when a car is involved in an accident (even if the seat appears undamaged).
By popular request, esure travel insurance was launched in January 2003. Our benefits include some of the best medical, personal liability and baggage limits in the market - along with reduced prices for single parents who buy a family policy when compared with other policies where the definition of a family automatically includes two adults. This was followed by Pet Insurance, offering cover for cats and dogs.
esure's largest office - The Equinox in Glasgow - was opened in May 2002. Originally our plan was to house 400 staff there after five years. This changed rapidly with esure's expansion and staff numbers passed this number in just over two years. In 2003, in recognition of our rapid expansion in Glasgow, The Equinox was chosen to host the launch of the Financial Services Strategy Group for Scotland - a group on which our Chairman Peter Wood sat. The launch was led by Scotland's First Minister, Jack McConnell.
Our presence in Manchester - formerly in offices in Cheadle Hulme - took a huge step forward when esure moved into its state-of-the-art office, The Meridian, in central Manchester in April 2004. The Meridian is home to our innovative Claims Academy where claims staff are trained in an academy system which was given the UK's first 'prior learning accreditation' status by the Chartered Institute of Insurance.
Today across all of our offices, esure employs over 1,500 people and has call centres that are located only in the UK.
esure's marketing
esure's marketing has attracted a disproportionate amount of attention and comment in the short time since the brand's launch in 2001. Our campaigns featuring Michael Winner - which spawned the catchphrase: 'Calm down, Dear... it's a commercial' have attracted huge attention - with many people finding them the marketing equivalent of an unscratchable itch.
The adverts were shortlisted for the 2003 National Business Awards in the Advertiser of the Year category, and helped to generate huge national awareness. In 2005, esure introduced a new icon in its advertising to promote our internet benefits - Mister Mouse - before returning once again to feature Michael Winner in a new series of ads in November 2006.
In 2005, esure launched a new brand targeted at women drivers. Sheilas' Wheels has become iconic since launch thanks to its singing and dancing TV ads featuring three pink-clad 'Sheilas'. Sheilas' Wheels was designed to introduce a range of benefits that women would find helpful but - contrary to some people's beliefs - is also available for men either on their own or as part of their partners' policies.
HELP DESK - FREQUENTLY ASKED QUESTIONS
To help you find answers we've provided you with an easy way to search through our frequently asked questions below.
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: Can I pay for my policy in monthly instalments?
A:
Standard - This is an annual policy which can
either be paid in full or by monthly direct debit
installments (provided you are aged over 18 and have a
bank account).
To view the monthly amounts, please click
"Proceed" on the quote screen, go past the
"Features and Benefits" and select "Direct
Debit". Full details of deposit amount, monthly
premiums and additional charges are displayed. Please
note, you will not be committing to the policy by
selecting the "Proceed" button.
The deposit must be paid online by card, the remaining
nine payments are made from your bank account via Direct
Debit. Please note, although there are only 10 payments,
this is for 12 months of cover.
As Direct Debit is a credit agreement, this can
only be offered to policyholders aged over 18.
Pay As You Go - this is a monthly contract. Payment
is made each month via payment card details which are held
securely encrypted on the WorldPay
website.
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 0870 756 6875.
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 02/04/2007: 0800 169 2644
For policies bought after 02/04/2007: 0808 168 0752
To report a Windscreen claim, please phone 0870 300
0149.
These lines are manned 24 hours a day, 365 days a year.
Q: Am I entitled to a Courtesy Car in the event of a valid claim?
A:
If the vehicle is repairable and our approved repairer is
utilised, every effort will be made to supply you with a
courtesy car for the duration of the repairs. This is
usually a small class 'A' vehicle such as a Vauxhall Corsa
or Ford Fiesta.
These are provided subject to availability and
therefore we cannot guarantee you will receive one.
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
Plc 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 0870 757 4427 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 PLC 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 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, the Channel Islands 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 our on-line
policy booklet 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 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, the Channel Islands 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 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, the Channel Islands 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%.
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%
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:
When you cancel your policy you will receive a
cancellation schedule through the post which will provide
details of any No Claims Discount that you are entitled
to.
If your policy has lapsed, you would have been sent a
renewal invitation - this is usually accepted by insurers
as proof of No Claims Discount.
If you have mislaid either of these, 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.
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 £15
administration charge if the Additional Premium is over £20
or the Return Premium is over £25. 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 £30.
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 “See Excess
Details” 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 any amount from £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.
Q: Is cover in Europe limited to a particular timescale?
A:
All eCar Insurance policies provide cover within the
Territorial Limits of the policy throughout the policy
year (365 days).
Your permanent home must be in Great Britain, Northern
Ireland, the Channel Islands or the Isle of Man and must
also be your predominant residence.
This extension is provided for the purpose of travel only.
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) Click on “Contact Details”.
6) Click on “Edit”, overtype the email address,
and then click “Update Details”.
7) If you have more than one eGroup policy, please repeat
steps 4 to 6 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
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 Standard and Pay As You Go comprehensive 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, Isle of Man and
Channel Islands.
You will be provided with a high level of cover,
including:
•Roadside repairs
•Home breakdown
•Vehicle recovery
•Getting you to your destination
This policy is underwritten by Southern Rock Insurance,
who only use accredited operators who have been vetted for
their professionalism and compliance with quality
standards.
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 Non-Comprehensive policy or
your vehicle 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. This is only
available at inception or renewal.
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 “Contact Details”.
6) Click on “Edit”, overtype the telephone
number, and then click “Update Details”.
7) If you have more than one eGroup policy, please repeat
steps 4 to 6 for each policy.
