Legal Protection cover

Legal

A BIG Help!

Up to £100,000 for your legal expenses following a motor accident.

Learn more about Legal protection cover

 

Customer support

RSA echoice has been designed as an online product, with online servicing available to put you in control of your policy 24/7.

Please note that we do, however, operate a helpline for reporting claims, please ring: 0844 854 8866.

Everything about RSA echoice is intended to be as simple and easy to use as possible. In the event that you do require guidance, start here:

If you cannot find an answer to your question below you can email us at rsaechoice@echoice.com - please include your policy number if you have one in your emails to us.

I would like guidance on:

Making a change to my policy

Are there any limits to what I can change about my policy?

Within the My echoice area, you can make changes to your policy such as change your address, amend your car, add / remove drivers or renew your policy online. For full details of all available online changes log into My echoice.

Certain changes cannot be made to your policy online. You should call 0844 854 8855 to discuss/ make any other changes.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

Certain charges may occur as a result of any changes to your policy. Please refer to our Charges / Fees for full details.

Can I make a change to my policy at any time?

Yes, our flexible online product allows you to update most of your policy 24/7. Certain changes cannot be made online.

Will it cost me money to change my policy?

Certain charges may occur as a result of any changes to your policy. Please refer to our Charges / Fees for full details.

How long before my policy changes become effective?

Your changes will be effective from the date selected when making the change.

Can I remove a named driver from my policy?

Yes. Our flexible online product allows you to update your policy 24/7.

What is the best way to change my policy?

Do it yourself. You can make most of the changes online, no need to wait!

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Adding temporary additional driver cover

Can I add a driver to my policy for just a short period of time?

Yes, you can add up to a maximum of 4 additional drivers (either temporary or permanent) but please note that this change cannot be made online. Please call 0844 854 8855 for assistance.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

Certain charges may occur as a result of any changes to your policy. Please refer to our Charges / Fees for full details.

How can I add a temporary driver to my policy?

Only by calling 0844 854 8855, since this type of policy change cannot be made online.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

Certain charges may occur as a result of any changes to your policy. Please refer to our Charges / Fees for full details.

What will it cost to add a temporary driver to my policy?

There will be a charge to make a change to your policy. Please refer to our Charges / Fees for full details.

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Accessing my policy documents

How can I access my policy documents?

Simply login to My echoice and view / download/ print your documents.

Will you post me my policy documents?

No, your policy documents will be available to you online and you can either print them or download them to your own PC.

What should I do if I lose my policy documents?

Simply login to My echoice and view/download/print your documents.

If I make a change to my policy, will I get new policy documents?

Your new documents will be available to view / download / print when you make a change by logging into My echoice.

If applicable, a new Certificate of Motor of Insurance will be issued online.

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Understanding my quote

How do know what the final price for my policy will be?

Once you have completed the online form and provided all required details, your premium (price) will be clearly shown together with details of the insurance cover you will get. If you make any changes to the cover, for example by choosing one or more extra cover options, an updated premium will be clearly shown.

Am I insured to drive other vehicles?

No - you are only insured to drive the vehicle whose registration details are shown on your Certificate of Motor Insurance.

What is a No Claim Discount (NCD)?

This is a discount given to drivers who have not made a claim during the previous policy year. Each year you remain claim free, we may offer you a discount on the normal premium that you would pay. You can find proof of this on your renewal notice from your last insurer.

Please note, NCD may only be used on one vehicle

What is IPT?

IPT stands for Insurance Premium Tax. This is a tax raised by central government and as such there is no opt-out facility.

Does the quote include Insurance Premium Tax (IPT)?

The final premium shown will include IPT where applicable.

What is APR?

APR stands for Annual Percentage Rate. It helps you measure the true cost of credit. In this context, the credit is for spreading an annual insurance premium over 10 months.

Why is my quote different to the price I just saw on a price comparison website?

It is possible that the price comparison site has allowed you to add extra cover options to your quote which have not been carried across to our site. We may also have selected covers that you might be interested in and shown these in your total premium. You can customise your quote by following the customise links on the quote page.

I cannot find the option to pay monthly?

To determine premium payment rates at quote and renewal and/or any future invitations, we will make checks on the electoral roll and public data through a credit reference agency. These enquiries will be recorded but will not affect your credit rating.

This will determine whether the option to pay monthly is available.

You can get more information on your current credit rating by contacting www.experian.co.uk

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Understanding my policy

Can you tell me what all those insurance terms mean?

See your policy documents for a full description of all of our terms. You can also read the Policy documents found here.

Does my policy contain all I need to know, or should I also be reading other material?

In addition to checking your ‘Full Quote Summary' when you receive it, you should also make sure that you carefully read the 3 documents found on the 'Policy documents'  page prior to purchase.

If there is more than one driver on my policy, should they have their own policy documents?

No. It is your policy and your policy documents confirm which drivers are eligible to drive.

How many other drivers can I add to my policy?

You can add up to a maximum of 4 additional drivers (either temporary or permanent) but please note that this change cannot be made online. Please call 0844 854 8855 for assistance.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

Certain charges may occur as a result of any changes to your policy. Please refer to our Charges / Fees for full details.

 

Is it the driver who is insured, or the car, or both?

See your Policy Schedule for a full description of covers.

I have made a claim on this policy - but it is not shown under the driver record - what should I do?

Claims which you have made under this policy number may not show in the driver claims history on the web screen. however they will be automatically included on any policy schedule with an effective date after the claim was made.

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Logging in to My echoice

I cannot access my account

Forgotten your login details? Don't worry, we'll help you retrieve them. Find out how here.

What can I do after I have logged in to My echoice?

By logging in to our secure website, you will be able to view/ download/ print your documents. You can also make a number of amendments your policy, keeping it bang up-to-date as your circumstances change. Note that there may be a charge for Policy amendments.

There will be a charge to make a change to your policy. Please refer to our Charges / Fees for full details.

Do I have to logout of My echoice after I have used it?

Yes, for your own security you should always log off when you have finished using this website, or any other containing your personal details.

I am concerned that your system is not secure

We take great care to make sure our site is fully secure. Please visit our 'Security & privacy' page which details the steps we take to keep your personal details safe.

 

I cannot seem to retrieve a previous quote

It may be that you are using incorrect details from those you used when you got the quote. To retrieve a previous quote, you need either the Quote Reference that was generated by the quote and Postcode, or your first name, surname, date of birth and postcode.

We need to ask these questions to ensure the protection of any sensitive information you may have given us in your previous quote.

I have forgotten my password

Not a problem! Try clicking on the 'Forgotten password?' link next to the login box. You then need to enter the email address you used when registering, and answer your security question. Then all you need to do is click 'Email me my password', and follow the instructions in the email that will be sent through.

I am concerned that someone has my login details

If you think that someone may have obtained your personal login details you should login to My echoice using your existing email address and password. Once logged in, you will see the option to 'Change email address' or 'Change password' on the left. Click the one you would like to change and then follow the instructions.

Can I change my email address and password?

Yes. Simply login to My echoice using your existing username and password. Once logged in, you will see the option to 'Change email address' or 'Change password' on the left. Click the one you would like to change and then follow the instructions.

How do I register for access to my account?

If you need to access your account, view or print your documents or make changes to your policy, simply follow this link and enter your details where necessary.

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Credit card payment issues

What credit cards do you accept?

We accept Visa, Mastercard and Maestro.

Are my credit card details safe and secure with you?

Absolutely! You can purchase insurance with us safely, confident that we use latest technology to protect the information you provide us. Wherever you provide personal information to us is protected using an SSL secure certificate, and your details are not stored in an area that is accessible by the public.

Your website is not accepting my credit card

Is it a card we accept (Visa, Mastercard and Maestro)? If so, please check it is still valid and has not expired. If you are still having problems, please contact the card issuer and explain the problem.

What do I do if my credit card has been stolen?

You should report it to your card issuer immediately.

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Direct Debit payment issues

I am changing bank accounts - can I change my Direct Debit with you?

Of course! Simply contact your customer support team who will be happy to update your details. You can do this by calling 0844 854 8855.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

What if my bank fails to make a Direct Debit payment to you – am I still insured?

In order to ensure you are covered, you must make the payments to us each month on the dates that were specified when you purchased the policy. You should ensure that your payments are up to date and that you have sufficient funds in your account for the payments.

In the event of any payments not being collected, we will contact you to arrange for the payment to be made and to confirm cover.

Can I change my direct debit details online?

This change is only available online whilst processing the renewal of your policy. At any other time, please call our Customer Service Centre on 0844 854 8855.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

Can I change my payment method from monthly to annually?

This change is not available online. Please call our Customer Service Centre on 0844 854 8855.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

If I have missed a direct debit payment, can I pay for any missed payment by a credit or debit card online?

This is not available online. Please call our Customer Service Centre on 0844 854 8855.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

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Making a complaint

How do I make a complaint and how will you deal with it?

At RSA echoice we aim to deliver brilliant service and do the right thing for our customers. If you believe that we have not delivered the service you expected, or you are concerned about any aspect of our service, please let us know.

To help you resolve your concerns quickly it is important that you speak to the right person. Please call our Customer Service Centre on 0844 854 8855.

Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

We promise to:

  • Get your complaint to the right person and get in touch with you promptly.
  • Fully investigate your complaint, treating your complaint fairly and independently.
  • Keep you informed of progress and do everything possible to resolve your complaint.
  • Learn from our mistakes and use the information from your complaint to proactively improve our service in the future.

We aim to resolve most concerns within 48 hours, as experience tells us that most difficulties can be sorted out within this time.

In the unlikely event that your concerns have not been resolved within this time, we will escalate your concerns to our complaints specialists within Customer Relations. They will issue a letter acknowledging your complaint, and conduct a separate investigation, keeping you informed of the further actions we will be taking to reach a suitable conclusion.

Customer Relations will issue the company's final decision in writing. Customer Relations can be contacted at:

Post: RSA
Customer Relations Team
P O Box 2075
Livingston
EH54 0EP

Email: crt.halifax@uk.rsagroup.com

If you are still not satisfied after the review, or you have not received a written offer of resolution within 8 weeks of the date we received your complaint, Royal & Sun Alliance Insurance plc is regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323) whose arbitration service is the Financial Ombudsman Service and you can refer your complaint to them. They can be contacted at:

Post:  Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London,
E14 9SR

Phone: 0300 123 9 123
From outside the UK: +44 20 7694 1000
 


Email:  complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

You must approach the Financial Ombudsman Service within 6 months of our final response to your complaint. We will remind you of the time limits in our final response. Your rights as a customer to take legal action remains unaffected by the existence or use of any complaint procedures referred to above. However, the Financial Ombudsman Service will not adjudicate on any case where litigation has commenced.

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Cancelling my policy

Can I cancel my policy at any time?

Yes. Simply login to My echoice any time 24/7 and follow the relevant links. If you need to cancel your policy within the first 14 days of your cover please call 0844 854 8855. Cancellation charges will apply. Please refer to our Charges / Fees for full details.

Please note: if you do decide to cancel your policy, you will be requested to complete the on-line declaration surrendering any Certificate of Motor Insurance you have downloaded from our website. If we have posted a Certificate of Motor Insurance to you please return it to us at:

RSA echoice,
PO Box 13454
Birmingham
B2 2EY

Customer Service Centre open Mon-Fri 9am to 5pm. Calls may be recorded and monitored.

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Multi Car Cover

Can I insure more than one car on my RSA echoice policy?

No – RSA echoice Car Insurance is only available for individual cars, but you can get a quote today for a second car and manage both policies within one secure login – simply use the same email address when you purchase your second car policy as your existing policy.

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Driving other cars

Can I drive any others cars on my RSA echoice policy?

No - RSA echoice Car Insurance only covers the car shown on your Certificate of Insurance Please see page 3 of your policy wording.

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Printing my documents

Can I print my Certificate of Motor Insurance online?

Yes, your Certificate of Motor Insurance is available with the rest of your policy documents.

You will be issued with a Temporary Certificate of Motor Insurance whilst we validate your Proof of No Claim Discount. Your annual certificate will be available to you online within 24 hours of your proof of No Claim Discount being received and validated.

I cannot open some of my documents from the Document Summary page

It can take up to 24 hours to issue your documents for you to view / print online.

If, after 24hrs, you still can’t see your documents please email rsaechoice@echoice.com

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Breakdowns

What should I do in the event of a breakdown?

When driving, on any sign of a mechanical breakdown, try to pull off the road and park in a safe place.

  • Put your hazard warning lights on.
  • Put a warning triangle on the road at least 45 metres behind your broken down vehicle. However, don't use a warning triangle on the motorway.
  • Keep your sidelights on if it is dark or visibility is poor.
  • Lock the doors and call for help from mobile or from a payphone

Follow these tips and remember, whether it is an accident or a mechanical breakdown then call our Helpline 0844 854 8866. Check your schedule to ensure you have Breakdown cover included.

Our Breakdown Helpline is available 24 hours per day, 365 days per year. Calls may be recorded and monitored.

What should I do if I breakdown on the motorway?

  • Try to stop near an emergency phone pulling onto the hard shoulder as far from the inside lane as possible.
  • Switch on your hazard warning lights.
  • Get out of the car on the passenger side and walk to the emergency phone on your side of the motorway. These phones are free and connect directly to the police who will be able to locate you so its better to use them than a mobile.
  • Face oncoming traffic when you phone.
  • If you are travelling alone or feel at risk wait inside your car with the doors locked.

Follow these tips and remember, whether it is an accident or a mechanical breakdown then call our Helpline 0844 854 8866. Check your schedule to ensure you have Breakdown cover included.

Our Breakdown Helpline is available 24 hours per day, 365 days per year. Calls may be recorded and monitored.

Car breakdown hints and tips

Don't leave home without:

  • An up to date road atlas
  • A charged up mobile phone
  • A red warning triangle
  • A torch, ice scraper, pen & paper

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Making a claim

What should I do if I am involved in an accident?

Don't drive away. You must stop if any other person or an animal has been hurt, or if any vehicle or property has been damaged. Get the names, addresses and phone numbers of any drivers or pedestrians involved, as well as any witnesses. If possible, get their mobile phone numbers. Ask drivers for the names of their insurers and their policy or certificate numbers. Exchange information with the other parties involved in the accident, including their vehicle registration numbers and their mobile phone numbers.

Don't admit blame or liability or make an offer of payment. If any of the other people involved do this, please tell us. You must call our Claims Helpline below immediately, even if you do not plan to make a claim. Simply call us straight away and explain what has happened. We are here to help keep you moving.

To make a claim, please our motor claims helpline on: 0844 854 8866

Our Claims Helpline is available Monday to Friday 9am to 5pm, Saturday 8am to 4pm, closed on Sundays (24 hours for emergencies). Calls may be recorded and monitored.

You must provide us with any information that we think necessary to assist with the settlement of your claim. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in your Policy Booklet under the applicable cover.

How do I know if I am entitled to make an insurance claim?

Check the details of cover in your Policy Schedule and Policy Booklet. You must call our Claims Helpline right away, even if you do not plan to make a claim. If you're not sure, you can check when you call us.

Can I make a claim online?

No. To make a claim please call our motor claims helpline on: 0844 854 8866

Our Claims Helpline is available Monday to Friday 9am to 5pm, Saturday 8am to 4pm, closed on Sundays (24 hours for emergencies). Calls may be recorded and monitored.

Do I have to declare my previous claims?

Yes. You must disclose all material facts related to your insurance history.

Will I lose my No Claim Discount?

You should refer to your Policy Booklet for the terms in relation to No Claim Discount. Full details of the step back scale used are in the Policy Booklet.

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Continuous Insurance Enforcement (CIE)

What is Continuous Insurance Enforcement (CIE)?

CIE is a new approach to reducing the level of uninsured driving in the UK. It is now an offence to drive or keep a vehicle without appropriate motor insurance, unless it has a valid Statutory Off Road Notification (SORN).

Under CIE, the registered keeper of a vehicle that appears to have no insurance will be sent an Insurance Advisory Letter (IAL) by the Motor Insurers’ Bureau (MIB). The letter will set out what options the registered keeper can take to comply with CIE.

If the registered keeper does not comply, DVLA will take enforcement action which may include:

  • £100 fine (Fixed Penalty Notice)
  • Their details being added to the DVLA’s wheel clamping partners list
  • Possible court prosecution that carries a maximum fine of £1000.

Following payment of the Fixed Penalty Notice, the registered keeper must still purchase a valid insurance policy or make a SORN declaration. If the vehicle remains uninsured the keeper could still with no further warning, be subject to further enforcement action.

The police will continue to seize uninsured vehicles from the roadside.

How does CIE work?

The DVLA, which has a database of all the registered vehicles in the country, and the Motor Insurers’ Bureau (MIB), which has a database of all the vehicles insured in the country, have joined forces to identify registered vehicles with no insurance.

The Registered Keepers will get a letter setting out the choices available to them, which are

  • to buy insurance if they are currently uninsured, or
  • if they have a current insurer, check with their insurer that the vehicle registration number is recorded correctly, or
  • update the DVLA with any detail changes if the vehicle has been sold, stolen or if you have made a SORN declaration.

If the advice on the letter is ignored the DVLA will then proceed with enforcement.

How can I tell if my vehicle is on Motor Insurers Database (MID) correctly?

To check that your vehicle is correctly recorded as 'insured' on the MID, visit the free service www.askMID.com.

If you need to contact MID you can call the askMID Helpline on 0845 165 2888 or by e mail to stayinsured@mib.org.uk

What should I do if I receive an Insurance Advisory Letter (IAL) but I have insurance?

You should check the Motor Insurance Database (MID) by using the free service at www.askMID.com to check your vehicle registration is on the database.

If the vehicle is missing or incorrect, or if you do not have access to the internet, please contact us or your broker straight away to check that the registration number of your car is recorded correctly. Make sure you have your registration number to hand when you call.

If the vehicle is showing correctly on MID and on your registration documents, you should contact the askMID Helpline by phone on 0845 165 2888 or by e-mail to stayinsured@mib.org.uk

What if I lease my car?

If you lease your car you will be the registered keeper and so would receive the Insurance Advisory Letter (IAL) and any other letters and so will be liable for any enforcement action if you do not insure the car or make a SORN declaration.

My wife owns the car but I’m the registered keeper. Which of us would get the Insurance Advisory Letter (IAL)?

You, as the registered keeper, would receive the IAL and be liable for any enforcement action if you do not insure the car or make a SORN declaration.

Does everyone have to buy insurance?

A vehicle will have to be insured unless it

  • has a valid SORN (Statutory Off Road Notice)
  • is exempted from SORN (as untaxed before 31/01/98 and has had no tax or SORN activity since)
  • is recorded by the DVLA as scrapped
  • is recorded by the DVLA as stolen and not recovered
  • is recorded by the DVLA as disposed to the trade
  • is recorded by the DVLA as disposed
  • is recorded by the DVLA as exported
  • is owned by the Crown.

What happens if I do nothing?

If you ignore the letter, the DVLA will then initiate enforcement action which may include:

  • £100 fine (Fixed Penalty Notice)
  • Your details being added to the DVLA’s wheel clamping partners list
  • Possible court prosecution that carries a maximum fine of £1000
  • Possible crushing of the vehicle.

Could my car be clamped if I’ve just received an Insurance Advisory Letter (IAL)?

Your car could be liable to be clamped, or you could receive a Fixed Penalty as well as possible further enforcement action.

If I pay the Fixed Penalty do I still have to buy insurance?

A valid motor insurance policy will still need to be purchased if you intend to keep the vehicle and do not declare a SORN. If the vehicle remains uninsured as identified by the database comparison, you could still, without any further warning, be subject to further enforcement action.

I only use my car in summertime; do I have to insure my car for 12 months now?

If you won’t be using your car in the winter, you must either make a SORN declaration or insure the car. If you don’t, you will receive an Insurance Advisory Letter (IAL) and find enforcement action taken against you.

Why has the Government launched Continuous Insurance Enforcement (CIE) now?

Uninsured drivers are a menace on the roads. They are:

  • 3 times more likely to have been convicted of driving without due care and attention;
  • 6 times more likely to drive an unsafe vehicle;
  • 9 times more likely to be involved in a road traffic collision; and
  • 10 times more likely to have a drink-driving conviction.

Every year the insurance industry pays out about £500 million for claims relating to uninsured driving. This cost is passed on to all honest motorists through insurance premiums. It is estimated to increase the average cost of a motor insurance premium by £30 per annum.

It is anticipated that CIE, in conjunction with continued police enforcement activity, will further reduce the level of uninsured driving on British roads by around 40%. This will help keep down the costs to responsible motorists who pay for the cost of uninsured driving through insurance premiums.

Further information on the change in law is also available from www.direct.gov.uk/stayinsured.

Why has the Government launched Continuous Insurance Enforcement (CIE) now?

In the first instance you should contact the sales and service telephone number, outlined in your policy documentation. Naturally, we will attempt to resolve any complaint amicably and as quickly as possible.

If you remain unhappy with our decision after you have exhausted our complaints process, you have the right to approach the Financial Ombudsman Service who will independently review your complaint. Details of the scheme will be provided by us when issuing our final response to you.

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Proof of No Claim Discount (NCD)

Why do I need to send you my proof of No Claim Discount (NCD)?

We need to verify your No Claim Discount from your previous insurer so that we can apply any discount. We also use this to help prevent fraud.

Where do I send my proof of No Claim Discount (NCD)?

Please clearly write your RSA echoice policy number on your proof of No Claim Discount and send this to:

RSA echoice,
PO Box 13454,
Birmingham
B2 2EY

This could be your renewal notice, or a letter on headed paper from your current insurer, and must be an original document (photocopies are not acceptable).

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side.

Please note that it may take up to 24 hours before all of your documents are available to download.

If we don’t receive a reply before the expiry of the current 15 day certificate there will be no insurance cover in force.

Can I use my NCD on more than one vehicle.

No, NCD may only be used on one vehicle.

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Validating my Driving Licence

Why do I need to send you a copy of the driving licence for each driver on my policy?

We verify the information you’ve given us about each driver listed in the policy to help prevent fraud.

Please provide us with a photocopy of each driving licence (both the photo card and paper counterpart) clearly marking your RSA echoice policy number on each photocopy and send them to:

RSA echoice,
PO Box 13454,
Birmingham
B2 2EY

Where do I send the copy of my driving licence?

Please provide us with photocopies of each driving licence (both the photo card and paper counterpart) clearly marking your RSA echoice policy number on each photocopy and send them to:

RSA echoice,
PO Box 13454,
Birmingham
B2 2EY

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side. Please note that it may take up to 24 hours before all of your documents are available to download.

If we don’t receive a reply before the expiry of the current 15 day certificate there will be no insurance cover in force.

My Driving Licence is with the DVLA, can I send this to you later?

Please contact us on 0844 854 8855 if you are unable to provide any of the copy Driving Licence(s) (including counterpart) for yourself or any drivers you have named on your motor policy.

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Validating my V5C (Vehicle Registration Certificate)

Why do I need to send you a copy of the V5 certificate?

We verify ownership details for the car that is being insured to help prevent fraud.

If you’ve been asked to provide this information please provide us with a photocopy of the V5C (Vehicle Registration Certificate) clearly marking your RSA echoice policy number on the photocopy and send it to:

RSA echoice,
PO Box 13454,
Birmingham
B2 2EY

Where do I send the copy of my V5 Certificate?

Please clearly write your RSA echoice policy number on your V5 Certificate and send this to:

RSA echoice,
PO Box 13454,
Birmingham
B2 2EY

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side. Please note that it may take up to 24 hours before all of your documents are available to download.

If a reply is not received before the expiry of the current 15 day certificate there will be no insurance cover in force.

What is a V5 Certificate

The V5C (Vehicle Registration Certificate), commonly known as the ‘logbook’ is a certificate that is issued when a vehicle is registered with the DVLA.

My V5 Certificate is with the DVLA, can I send this to you later?

Please contact us on 0844 854 8855 if you are unable to provide the V5 Certificate.

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Existing policyholder?

Login to My echoice where you can:

  • Read and download / print your policy documents
  • Renew your insurance
  • Make a change to your policy
  • Change your car
  • Add extra cover options