My experience with e car was a little strange to say the least.. I was insured with e car for about 6 months, then one day I crashed into the back of another car (wrecked my car). I informed e-car that I had been involved with an accident. Then had the best news ever... I didn't hear a thing about anyone making a claim against me, happy days! or so I thought. So I fixed my car up and received my no claims bonus for that year, so I'm thinking, no one has made a claim against me after all.
Two and a half years later I am insured with a different insurer, I got knocked off my motorbike. When a claim is generated, all your history gets checked.. then it was confirmed by my bike insurance that the person I crashed into the back of 2 and a half years ago, did make a claim against me! and it had been settled (I was never informed of this by E-CAR and they continued to give me my FULL NCD)! I still can't get my head around it to this day, possibly a mis-communication between e-car and their claims associates
I had my bike insurance voided because they presumed me to be lying about my claims history. But I kept my 4 YEARS NCD because of e-cars error.