eCar Insurance UK is part of eGroup Insurance, which offers online insurance for bikes, cars, vans and homes. The company has grown quickly since its beginnings in 2004, and has since sold more than one million policies.
eCar is one of the fastest growing businesses in the UK, and specialises in offering car insurance online only. Without using telephone or postal services, eCar is able to keep costs extremely low, and allows customers to manage their policies themselves through secure online accounts.
eCar is one of the few UK insurance providers to offer short-term and flexible car insurance cover.
Overview of cover provided by eCar insurance
eCar offers three types of car insurance policy: standard annual, short term, and pay as you go.
On eCar’s standard insurance, customers can insure up to four vehicles on one policy, and enjoy a number of extra benefits such as 90 days’ cover in Europe, legal cover up to £100,000, windscreen cover and personal belongings insurance. Standard policies are available for fully comprehensive cover, and third party, fire and theft.
Add-ons such as no claims discount protection can also be included for an additional premium.
eCar’s pay as you go insurance allows drivers to purchase cover as and when they need it, on a monthly basis for a monthly premium. This policy also provides driving cover in the European Union and legal expenses cover, plus a guaranteed no claims discount for drivers with more than five years’ no claims. Under pay as you go cover, drivers are also able to earn one year’s no claims discount for only eight month’s claim-free cover.
Finally, eCar also offers short-term cover, for drivers who only need to use a vehicle for one-off occasions or at unexpected times. This type of cover, which is available both fully comprehensive and as third party, fire and theft, offers insurance for between one and 28 days.
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How much does eCar insurance cost?
The cost of insurance from eCar will depend on a number of factors, such as the make and model of your car, your age, your driving history and your specific insurance requirements, so you’ll need to contact eCar to get an appropriate quote. Obviously, short term insurance will be cheaper than an annual policy, while pay as you go insurance may represent a better deal depending on your individual needs.
However, given the online-only nature of the business, quotes may be cheaper than competitors’ because of reduced overheads costs.
What do eCar’s customers say?
According to more than 900 eCar insurance reviews by customers on www.reviewcentre.com, the company scores 2.5 stars out of a possible five for customer service, and 2.5 stars out of a possible five for value for money, giving a total review score of 2.5/5, while 43% of those who left a review would recommend eCar to others.
What do the experts say?
Defaqto, an independent researcher of financial products, offers star ratings for car insurance companies ranging from one star (‘basic’) to five stars (‘excellent’). Defaqto awarded eCar three stars, indicating ‘a standard product providing an average level of features and benefits’.