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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, then your documents would be produced and posted out to you by first class post on Tuesday.
Q: How long after not having insurance is my no claims discount (NCD) valid?
A: No claims discount is valid for 2 years following expiry of your previous policy.
Q: What happens if you have not got my van on your system?
A: In this instance, you should email us at enquiries@evaninsurance.co.uk with all of the following details of the van and we will get back to you.
1. Make
2. Model
3. Fuel Type
4. Manual or Automatic
5. EXACT engine size
6. Engine power (HP)
7. Wheelbase (LWB, MWB etc.)
8. Body Type (Box Van, Tipper etc.)
9. Year of Registration
10. Is the van an imported model? (If so, where from?)
If you are unable to find your exact vehicle, 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.
Q: Am I covered Third Party to drive any other vehicle?
A: No, you are unable to drive any other vehicle on a Third Party only basis.
There is not a "driving other vehicles" extension on this policy. This type of cover was originally designed for emergency use only and misuse has resulted in an increase in claims due to people driving an unfamiliar van and then crashing it.
This in turn would have a knock on effect to all policyholders and increase insurance premiums - which is something we all want to avoid!
At eVan, we are trying to minimise costs to provide realistic premiums - if we introduce this cover across the board, premiums will go up for everyone.
It is possible to add up to four vans on your policy (subject to ownership and all vehicles being acceptable to our Underwriters).
Q: Am I covered to drive abroad?
A: We allow unlimited foreign use in EU countries and a few others. Please Click Here to view the Territorial Limits of the policy.
You have the same cover in all the countries listed in the Territorial Limits that you do in the UK. For example, if you have comprehensive cover in the UK, you will have comprehensive cover in the EU.
We do not offer European Breakdown cover.
No green card is necessary if you are travelling within the Territorial Limits of the policy.
This cover is subject to Your usual place of residence being in Great Britain, Northern Ireland and the Isle of Man. This extension is for the purpose of TRAVEL only.
Please Click Here to view the online policy wording relating to foreign travel.
Q: Can you fax or send my cover note to the dealer I am buying the vehicle from?
A: Yes.
Please email us on enquiries@evaninsurance.co.uk
Please provide the details of the salesperson and the dealer's full address or fax number 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 next working post.
Q: Do I have breakdown cover included in my policy?
A: If you have 'Fully Comprehensive' cover, your policy automatically includes "Homestart Breakdown Recovery".
If you have selected 'Third Party Fire and Theft' cover, or 'Third Party Only' cover - "Homestart Breakdown Recovery" is available as an optional extra for £39.90. This is only available at inception or renewal.
To check if an active policy has this cover, please refer to your policy schedule or log onto your policy.
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 are unsure please email enquiries@evaninsurance.co.uk
If you input an occupation with the description "Other" your permitted useage will be limited to 'Social, Domestic, Pleasure and Commuting to one place of work".
Q: Can I insure 2 vehicles on the same policy but at different levels of cover?
A: No, you are unable to insure 2 or more vehicles on the same policy at different levels of cover.
You can cover up to 4 vehicles on a policy (provided that all vehicles are acceptable to our Underwriters) but the cover relates to the policy, not to the individual vehicles.
Q: How do I make a claim?
A: It is important you report any claim you wish to make against your eVan Insurance policy as soon as possible.
To report a claim please telephone our 24 hour claims notification helpline on 0845 219 0615 or, if your policy number ends in -LD, 0845 219 8552. When you call, please have your Current Certificate of Motor Insurance and the details of the incident ready.
Our operators will provide every assistance to ensure the least inconvenience to you, and through the use of our extensive approved repairer network, can ensure (with the applicable cover) a fast and efficient repair.
To contact our Breakdown Recovery Helpline, please phone:
(For policies bought before 24/04/2008): 0808 168 0751
(For policies bought after 24/04/2008): 0800 783 5677
To contact our Windscreen Helpline, please phone 0870 3000 149.
These lines are manned 24 hours a day, 365 days a year.
Q: How do I make changes to my policy online?
A: As eVan Insurance is an online company, you are required to make any changes to your policy online:
1) Please go to our home page www.evaninsurance.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 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 have an International licence: Do eVan 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 0857 and are available between the hours of 9am and 5.30pm Monday to Friday.
Q: Do you insure Mobile Homes or Camper Vans?
A: No.
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 does Carriage of Own Goods use allow?
A: Carriage of own goods use allows use of the vehicle(s) in connection with the policyholder's business or profession and travelling to more than one place of work.
The vehicle(s) can also be used for social, domestic and pleasure use but there is no cover for fast food delivery or courier use.
'Carriage of Own Goods' use ensures that the van is insured whilst you are carrying the 'tools of your trade' or when using the van in connection with your work.
If you require cover for items carried in your van, a separate 'Goods in Transit' policy is necessary. Please go to www.egoodsintransitinsurance.co.uk
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: Where can I find a copy of the Policy Wording?
A: You can view the Policy Wording either by clicking on the link at the top of the Homepage or please Click Here.
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 eVan 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 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@evaninsurance.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 van on holiday to Europe.
All eVan 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 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@evaninsurance.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: 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: eVan 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 do I cancel my policy?
A: As eVan Insurance is an online company, you are required to make any changes to your policy online:
1) Please go to our home page www.eVaninsurance.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 active 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: What is acceptable No Claims Bonus? What do you accept as proof of my NCD?
A: Acceptable Proof of Bonus:
•EU bonus (provided in English)
•Commercial vehicle bonus if proposer has used vehicle for personal purposes for the length of the bonus.
•Private car bonus (a discount will be given for this but no actual Van bonus will accrue)
•Company car / van claim free driving experience (subject to letter of proof from insured’s employer).
Unacceptable Proof of Bonus:
•Motorcycle bonus.
•Foreign bonus (non EU).
•Any form of bonus proof more than 2 years old.
•Bonus proof not belonging to the policyholder.
Q: What levels of cover do you offer?
A: Descriptions of the cover provided are listed below:
1.Comprehensive Cover
Comprehensive cover insures against any accident that you may have, whether your fault or not. This includes damage caused to your van when it is unattended, such as a vandalism incident or a hit and run. However, whether or not it's your fault, claims can result in loss of No Claims Bonus, so check before you claim. Comprehensive cover also covers your legal liability to third parties (including damage to their vehicle or compensation for injuries sustained if the accident was your fault). The cover extends to fire damage to your van, or any damage arising out of the theft or attempted theft of your van.
2.Third Party Fire and Theft Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault). The cover also extends to fire damage to your van, or any damage arising out of the theft or attempted theft of your van.
3.Third Party Only Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).There is no cover for damage to your van from any cause whatsoever. This complies with the minimum legal requirements of the Road Traffic Act and very little more.
Q: What does Comprehensive cover me for?
A: Comprehensive cover insures against any accident that you may have, whether your fault or not.
This includes damage caused to your van when it is unattended, such as a vandalism incident or a hit and run. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim.
Comprehensive cover also covers your legal liability to third parties (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
The cover extends to fire damage to your van, or any damage arising out of the theft or attempted theft of your van.
Q: What does Third Party Fire and Theft cover me for?
A: Third Party Fire and Theft Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
The cover also extends to fire damage to your van, or any damage arising out of the theft or attempted theft of your van.
Q: What does Third Party Only cover me for?
A: Third Party Only Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
There is no cover for damage to your van from any cause whatsoever.
This complies with the minimum legal requirements of the Road Traffic Act and very little more.
Q: Do you cover Couriers or Delivery Drivers?
A: Yes we do.
Courier Insurance for both Bike and Van: www.ecourierinsurance.co.uk - offering tailored, competitive premiums specifically for couriers, whether you ride a bike or drive a van.
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: There will be NO refund of premium if you cancel your Pay As You Go policy after the cover has started.
Please Click Here to 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: How can I get proof of my No Claims Discount / Bonus?
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.evaninsurance.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@evaninsurance.co.uk.
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: What products do you offer?
A: The following e-products are currently available and we plan to add many more in the future:
Bike Insurance: www.ebikeinsurance.co.uk - The first online insurance solution to make you the customer take total control. Why bother with call centres and automated phone lines!
Car Insurance : www.ecarinsurance.co.uk - Why not join the growing number of car drivers who have already joined the revolution and put your money where your mouse is?
Van Insurance: www.evaninsurance.co.uk - With eVan's revolutionary system you can manage your whole policy online - no phone calls, no waiting.
Home Insurance: www.ehomeinsurance.co.uk - Your house is your home - and you need to protect it. eHome provides direct insurance for both buildings and contents to keep your household and garden insured against damage and loss.
Courier Insurance for both Bike and Van: www.ecourierinsurance.co.uk - eCourier Insurance offers tailored, competitive premiums specifically for couriers, whether you ride a bike or drive a van.
Goods in Transit: www.egoodsintransitinsurance.co.uk - offers insurance policies for a wide variety of small businesses and organisations that require cover for their own goods or goods they are carrying on the behalf of others.
Tradesman Insurance: www.etradesmaninsurance.co.uk - offers full online administration for Public & Employers liability insurance.
Specialist Car Insurance:
For Modified Cars: 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 a product specifically for them.
For Business Cars: www.ebusinesscarinsurance.co.uk - specifically designed for people who drive a vehicle that is registered in the company name.
For those with a few blemishes on their licence: www.elifebeltinsurance.co.uk - If you have a few blemishes on your licence, we know how hard it can be for you to find insurance that you don't have to pay through the roof for! eLifebelt Insurance will provide an online quote which can take into account any number of these blemishes.
Specialist car insurance for women drivers: www.eladydriverinsurance.co.uk
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.evaninsurance.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 Vans on Standard or Pay As You Go policies...
A: With our Standard and Pay As You Go Policies you can have up to 4 Vans on a policy (provided that all vehicles are acceptable to our Underwriters).
Q: Do you insure hire vehicles?
A: We do not insure short term hire vehicles.
We 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.
Q: Can I insure my common law/live-in partner's van in my name?
A: No - You are not classed as having an insurable interest in your common law/live-in partner's property and they are not classed as having an insurable interest in yours.
This means that you are unable to take out a policy in your name to cover your common law/live-in partner's van as this would not be valid in law.
To insure a van owned by your common law/live-in partner, your common law/live-in partner would have to be the policyholder and if you needed to drive it then you would have to be a named driver.
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.
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 £5 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.
*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 another or additional van(s) to my policy?
A: This only applies to Standard or Pay As You Go Policies where, subject to ownership, up to four vans can be added to a policy (provided that the vehicles are acceptable to our Underwriters).
As eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 Exclusions to Part A" section 1.(d) in our policy wording.
Q: How do I change my address?
A: eVan 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.evaninsurance.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: 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 eVan Insurance policies provide cover in Europe within the Territorial Limits of the policy throughout the policy year (365 days).
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.
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.evaninsurance.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 Motor Trade as an Occupation...
A: eVan 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: What is the Direct Debit process?
A: This applies to Standard Annual policies only.
To allow you to pay by instalments you are arranging an agreement with a credit provider.
When agreeing to pay by instalments, the process is as follows:
* We ask you for your bank account details to enable Panacea Finance to set up the direct debit process. Once you have given us those details you must click on the “Proceed” button to pay your deposit
* You are required to pay the initial deposit immediately, so when you have given us your bank account details and clicked on “Proceed”, you will be asked to pay the deposit by credit or debit card
* The credit or debit card payment is taken via an online payment company called WorldPay, who are part of the Royal Bank of Scotland Group of Companies
* Approximately 14 days from when you have paid your deposit, the first direct debit payment will taken from your bank account
* 8 further payments will then be made on a monthly basis
Q: Who are Conister Trust? Who are Panacea?
A: Conister Trust Ltd is a finance company who facilitate the payment of insurance premiums to eGroup Insurance. They are a licensed credit business authorised by the Office of FairTrading, Consumer Credit Licensing Bureau, Craven House, 40 Uxbridge Road, Ealing, London, W5 2BS, under the licence number 038088 to conduct consumer credit.
Conister Trust Ltd have appointed Panacea Finance Limited of MMT Centre, Severn Bridge, Aust Bristol BS35 4BL to administer the services provided to eGroup Insurance.
Please be aware that sufficient credit must be in your bank account 3 working days before the direct debit is due.
A default on the payment may result in a charge or a cancellation of the direct debit facility. Please check your bank account after the first payment is due to make sure the direct debit has been processed correctly.
If an application for payment of an instalment is declined, we will re-apply at the first convenient date. Should two failures to pay instalments occur, we reserve the right to cancel the direct debit facility and reverse any outstanding payments to the service provider.
You may cancel the direct debit (premium finance agreement) during the 14 day cooling off period. To cancel you must contact Conister Trust Ltd, c/o MMT Centre, Aust, Bristol BS35 4 BL; alternatively, you may send your written notice of cancellation by facsimile to 01454 634585 or by email at conister.trust@panaceafinance.net. If you do not cancel within this 14 day period, the agreement will continue in accordance with it's terms.
You can pay the whole outstanding balance at any time.
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 van.
The level of cover applies to the policy as a whole, not to individual vans. If you have more than one van on your policy, they can only be covered at the same level.
You cannot have one van 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.evaninsurance.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 van from one to another?
A: As eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 van you wish to replace, type over the existing van 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 van 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 van from my policy?
A: As eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 Van you wish to remove – Click the “Delete” button.
9) Set the date and time that you wish the insurance to finish for this van 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 van 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 0586 (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 0586 (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 eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 eVan 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.evaninsurance.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 van's registration number?
A: As eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 Van 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 van.
The level of cover applies to the policy as a whole, not to individual vans. If you have more than one van on your policy, they can only be covered at the same level.
You cannot have one van 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 eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 VANS. YOU CANNOT HAVE TWO DIFFERENT VANS ON A POLICY AT DIFFERENT LEVELS OF COVER.
Q: How can I change the start date and time of my policy?
A: Once you have taken out a policy it will not be possible to change the start date and time.
If you have set up a policy and the start date and time needs to be changed, please either email us at enquiries@evaninsurance.co.uk
or call us on 0845 219 0586 (This line is available only between 9am and 5.00pm Monday to Friday.)
Q: Amend the Date of Birth For a Driver
A: The Date of Birth of a policyholder is an important rating factor. If this is incorrect, please contact the Help Desk:
Either by email: enquiries@evaninsurance.co.uk
or by telephone: 0845 219 0586 (Monday to Friday 9:00 to 5:00)
Q: Update Driver Licence Type
A: As eVan Insurance is an online company, you are required to make any changes to your policy online.
1) Please go to our home page www.evaninsurance.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 "Drivers" section and select the "Change" button next to the driver whose licence type is to be amended, then make the changes on screen.
8) Set the date and time from you wish the change to take effect and proceed to the final page.
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: How do I add on a motoring conviction? How do I add on my speeding fine? How do I notify you about my SP30?
A: 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.
Please click here for details of the Duty of Disclosure .
If your motoring conviction has occurred part way through your policy term, you do not need to notify us of it until renewal.
1) During the quote / renewal process, navigate to the "Drivers" section.
2) Select "Change" next to the driver to whom you wish to add the Conviction(s).
3) Follow the pages through until you reach the question 'Have you had any motoring convictions within the last 5 years, including fixed penalty offences?' If the button to this is set as 'No' then change this to 'Yes'. If it is already set as 'Yes' then click on "View". A box will pop up and enable you to add on the date and conviction(s).
4) Once you have finished click on "Return to Quote", then proceed to the final page.
5) Details of any change in premium will be given on screen.
Q: What is an excess?
A: This is an amount you must contribute towards the cost of a claim.
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 £1000, 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: Does my insurance cover me for Breakdown in Europe? If not can I pay to have European Breakdown cover?
A: We do not offer European Breakdown Recovery Assistance on our eVan policies.
This cover would need to be obtained elsewhere.
Q: Can I get a European Accident Statement form from you?
A: Yes, European Accident Statement Forms are available from us.
Please email us on enquiries@evaninsurance.co.uk with your Full Name, Address and policy number and we will post a 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: What are the territorial limits of the policy?
A: 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: Free European Use
A: All eVan 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 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: Do I Get Breakdown Recovery Cover With My Policy?
A: All Comprehensive eVan Standard and Pay As You Go policies come with Breakdown Recovery included in the price.
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, then Breakdown Recovery Cover is available as an optional extra at a cost of £39.90 and is not automatically included.
Q: What's the telephone number for emergency breakdown recovery assistance?
A: For policies bought before 24/04/2008, the Breakdown Assistance number is 0808 168 0751
For policies bought after 24/04/2008, the Breakdown Assistance number is 0800 783 5677
(Please enter this in your mobile phone.)
These lines are manned 24 hours a day, 365 days a year.
More information is available from our online policy wording, please Click Here to view.
Q: What is Legal Expenses Cover? Do I have Legal Expenses Cover?
A: Legal Expenses Insurance allows you to recover your uninsured losses if you are involved in an accident that is not your fault.
Uninsured losses can include:
• Compensation if you are injured or compensation for your family if you are killed.
•Compensation for damage to your personal belongings.
•Accident repair costs if you do not have comprehensive insurance cover
This cover is provided with ALL our policies.
For more information, please Click Here to view our online policy wording.
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. Breakdown recovery is an integral part of the cover provided on these policies.
If you take out a Standard annual Non-Comprehensive policy 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 six breakdowns per period of insurance.
Q: Information about Windscreen cover….
A: Windscreen cover is included automatically with Standard annual polices on Comprehensive and Third Party Fire & Theft cover. It is also included with ‘Pay As You Go’ policies on Comprehensive cover.
Windscreen cover is not available on Standard Third Party Only policies or ‘Pay As You Go’ Third Party Fire & Theft and Third Party Only policies.
Windscreen cover will pay for a broken or damaged windscreen, windows or glass sunroof as well as any scratching of the bodywork caused by breakage.
Providing the approved repairer is used, this cover is unlimited subject to a £60 excess.
The excess is not payable if the damage can be repaired rather than replaced.
Cover is limited to £200 if a non approved repairer is used.
To contact our approved windscreen repairer please call 0870 3000 149
Q: About Social, Domestic, Pleasure and Commuting Use.....
A: Social, Domestic, Pleasure and Commuting Use will allow all drivers to use the van for private use and to commute to a permanent place of work or study.
This is the minimum Class of Use offered by eVan. Commuting Use cannot be removed.
If you work at more than one permanent location, or you attend training courses, or you wish to use the van in connection with your business - please select “Carriage of Own Goods Use”.
Delivery or courier use is excluded.
Q: About Carriage of Own Goods Use…
A: Carriage of Own Goods Use will allow the van to be used for the business or profession of the policyholder travelling to more than one place of work.
There would be no cover for any delivery or courier use though.
Please select this option to ensure your van is covered whilst being used in connection with your work.
Carriage of Own Goods Use does NOT provide cover for any tools being carried in the van. To obtain cover for tools you would need a separate ‘Goods in Transit’ policy. Please go to www.egoodsintransitinsurance.co.uk.
eGoods In Transit offers insurance policies for a wide variety of small businesses and organisations that require cover for their own goods or goods they are carrying on the behalf of others.
Q: About Fast Food Delivery and Courier Use...
A: Fast Food Delivery/Courier Use should only be selected if the policyholder's occupation is a courier or delivery driver.
As well as the standard private use, you will be covered for use of your van in connection with your occupation.
Q: Specifically excluded Classes of Use…..
A: The eVan policy will specifically exclude use for:
• Public / private self drive hire
• Airside use at an airport
• Breakdown or recovery services
• Motor trade
• Wholesale newspaper delivery
Q: What are the available Classes of Use?
A: Classes of Use available on eVan policies:
•Social, Domestic, Pleasure and Commuting
•Carriage of Own Goods
•Fast Food Delivery
•Courier