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Another insurance problem


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#1 J0N

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Posted 04 September 2012 - 02:08 AM

Ok, so I had another thread about problems I had changing over car on my policy and it taking alot of calls and emails to get their backsides into gear.  Taking 3 weeks to do a simple task.

Well, I have a new bigger problem with them.  I was told (when I changed car last time) the problems were due to the fact I was unemployed.  But then again I was also told their system was being updated and other excuses I can't remember right now.  As mentioned in my Puma thread, the engine had gone and I needed another car.  So...  I bought another car and contacted Ecar for the change over.  I expected there to be problems as last time but nothing like what I was told.  Apparently their under writers had changed their terms and conditions and that they no longer provide insurance for my area.  I don't get why because I live in a very quiet area and have never heard about any car crimes etc.  I asked what that meant and was told my policy would be cancelled.  WTF i thought, I only had to wait til Novemeber to have an extra no claims bonus.

I received an Email stating I had requested it to be cancelled and to await any info regards to any money owed to me.  I didn't cancel it, they did!  

I'm unsure on what to do, I have had to go through someone else as my son has ADHD and my daughter who was born very early has development problems etc.  I told them this and they said there is nothing they can do.

Surely they can't cancel an active policy because they have changed Ts and Cs.  I would have thought I would have had until the renewal at least.

Just after some advice on this tbh.

#2 AndyP

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Posted 04 September 2012 - 07:21 AM

sounds dodgy to me, as i thought once youve taken a policy out they'd have to stick to the T's & C's they supplied when you got the insurance, id try ringing trading standards or that other place i cant think of :-p at the min

#3 J0N

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Posted 04 September 2012 - 10:28 AM

I sent them a nice Email this morning and another to the financial ombudsman.  Within the hour I received an email back from Ecar stating I would get a refund of near 200 and a full years no claims.  Shocked they didn't drag it out longer like they usually do.

Seems like a pointless thread, but treat it as a warning never to go with Ecar...  Anyone considering going with them check out their Facebook page first and you'll soon change your mind.

#4 HasAki

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Posted 04 September 2012 - 10:58 AM

Doesn't sound right but would definitely check the T&C's when you took out the policy. Maybe speak to Consumer Direct or your local Citizens Advice once you've done this to see if they can help.

* Just read your update; good to hear you got it sorted! :thumbsup:

Edited by HasAki, 04 September 2012 - 11:00 AM.


#5 heavyrightfut

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Posted 04 September 2012 - 12:52 PM

They sound very dodgy to me Jon

#6 J0N

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Posted 04 September 2012 - 02:53 PM

They are, I went with them because they are so cheap but like the saying goes 'you get what you pay for'

Just got an Email back:


As we are now agreed upon a mutually satisfactory resolution to your complaint, please find attached written proof of 6 years’ No Claims Discount. The original will be dispatched as soon as possible to your registered contact address in Leeds. Enclosed therewith, per the terms of our settlement, will be a cheque for £198.90.

Happy it turned out well, but could have easily turned out worse.