e car are sh!te! was with them for a while, but as its web based, the customer services are proper sh!te! There is a claims line, but if you ring them about anything else, they wont deal with it and tell you to email them. Takes weeks and tons of emails to get a response. Phoning them is £1 a minute as well!! How much is your car worth?? Can you risk TPFT as that will bring it right down too obviously. Adrian flux/HIC (same company pretty much) are good, I've just renewed with them. They actually have outsource as well (probs take commission on it). My insurance is actually through LV, but Adrian Flux actually deal with my policy.