Quite a lot of complaints about these.

Although they appear cheap,there is evidence that their criteria insofar as sending proof of NCB and copies of driving licence has for many seen them cancel policies and add extra fees.

It is essential that copies of NCB and DL are sent by recorded delivery.

You then have proof of posting and delivery.

ecar will send emails and a letter by recorded delivery giving a 72 hour notification of cancellation of insurance.

This action will most certainly have a detrimental affect on your future applications for insurance since they say it will be recorded on databases.

If you are a victim of these practices where you have furnished the info and they say they did not get it,or else you are threatened with cancellation,make sure that you ask for a copy of their complaints procedure,keep an eye on any DDs or standing orders,and make it clear that you will take it to the FOS.

This is a typical email they will send stating you need to act.

Automated Email Response

Thanks for your email.

If you have not already sent us the required documentation or you are unsure if you have sent us everything that is required to complete the validation of your policy, please go to our Validations Information Page that will give you information and examples of the documents we require.

Please note that if you have already sent us the required documentation within the agreed deadline until a response is sent by us to confirm the validation of your policy or to request further information, your policy will remain active. We are automatically extending our standard deadlines until we have been able to process your email.

As we are an online insurance provider you may find the answer to your query immediately by searching our Frequently Asked Questions which help to resolve nearly all of the queries we receive.

If you still have a query regarding our validation process then you can call our Customer Service team on 0906 736 6522 who are available Monday to Friday 9.00am-5.00pm. These calls cost £1.02 per minute plus network extras, calls from mobiles and other networks may cost more.

If you would prefer to email and receive a response from one of our agents, do not send a new email, just reply to this email where one of our team will respond to you as soon as possible. (Please note that we are currently experiencing unusually high email demand, therefore please allow up to 5 working days for a response)

Please note that if you are sending us an attachment the maximum size we can receive is 6mb.

Kind Regards

Validations Team

This is one of 2 3 day warnings you will get

03/05/2012

Policy Number xxxxxxxxxxxxxx

Dear xxxxxxxxxx

Further to our previous correspondence, we are writing to advise you that the valid Proof of No Claims Bonus have still not been received.

Please now accept this as notice that the above policy will now be cancelled three days from the sent date of this email.

There will be no insurance cover in force after XXX 2012 at 23:45 on vehicle(s) 123 CAG and you are therefore advised to obtain alternative cover elsewhere before permitting your vehicle to be used on the public highway. It is an offence under Part VI of the Road Traffic Act 1988 to drive, or otherwise use your vehicle on the public highway without insurance cover being in force.

You must let us know immediately if you are experiencing any difficulties in meeting our requirements by emailing:

No Claims Bonus department: [email protected]

Please note: We will only accept No Claims Bonus Discount that is:

• Less than 2 years old, in the policy holders name.
  
• Earned within the European Union only - (provided in English by a sworn translator).
  
• All bonus must be in years not as a percentage.
  
• Not being used on another policy - No Claims Bonus can only be used on one policy at a time.
  

Anything outside of the above criteria will not be accepted.

If you have already confirmed proof to us within the last few days, then please ignore this email.

Yours sincerely,

Phil Read

eCar