Ecarinsurance 

Last year my daughter took out a policy from them under my name because it was cheaper to do this.
Having sold her car she sent Ecar an email saying she wanted to cancel the policy. They replied back and said as long as she gave 19 days notice there would be no charge, which she did.

5 months later we recieve a letter from them asking us to pay £124 cancelation fee.

I phoned them up and their reply was (Its in the Terms and Conditions ) so we have to pay it.
I have never been charged a cancelation fee in all my time as a driver and in fact Swift cover when I was with them for my own car even gave me money back.

I will not be paying this fee and ecar are welcome to take it to court.

This kind of behaviour by trying to get people to pay more money for a service which they no longer use should be stopped and I will be contacting the OFT and the CAB about this company.

Thank you for posting your feedback people. Sadly I think you will find the newd I am about to tell you a bit distressing. .....companies like Ecar and various other fraudulent schemes pay the government, the FSA and customer protection ombudsmen, briefcases of money to turn a blind eye yo extortion and abuse of consumers. thr only way to get even is to make a duty to scam insurance companies back as much as possible. if Ecar grt shutdown a new company just like them will be up and running within hours. the only way forward is to rebel!

DO NOT USE THIS COMPANY!!!!!!!!!!!!!!!!!I had no problems with the policy at first until!!! I changed my vehicle details as I purchased a new car. All monies were paid and all DD were taken each month no problem. I then received a letter from the DVLA informing me my car is not insured and has not been in 5 months!! I spoke with different people who told me the policy was now changed. The new documents did not arrive so I went on to check my policy online yet again! Low and behold I find my policy has still not changed therefore I have been driving around with no insurance with a newborn baby and 8 year old unaware!!! DO NOT USE THIS COMPANY!!!!!! THEY ARE CONARTISTS WHO HAVE NO IDEA!!!! HANNAH MORRIS SENIOR ADVISOR YOU HAVE FAILED IN YOUR POLICY AND ROLL!! Thank god phone calls are recorded as I am reporting you to financial ombudsman and I will get my money back and an apology!!!!!! STAY CLEAR OF THIS INSURANCE GROUP UNLESS YOU WANT BLOOD ON YOUR HANDS!!!!

I recieved a reminder letter through the post on 03/01/13 stating if i do not send proof of no claims bonus and drivers license within 7 days my policy will be cancelled. Mind you i did not recieve any other letter or notification before this. So i call my previous insurer and ask them to send me my No claims bonus. They state it will take 3 to 5 working days through the post. (Fair play) So im going to recieve my documentation by the 11/01/13. Ecar state they will cancel policy on the 09/01/13 as the reminder letter is dated 02/01/13. Email 6 times to which i always get an automated response, call their premium contact line 10 times which charges £1.02 per minute (what a joke) to be disconnected each time. How the hell am I supposed to ask for a few extra days to send out my documents. Customer service is pure crap or should i say i doubt this company even has any employees by the look of it. GREAT ive been conned. im jobless and broke and thought that the cheapest insurance would work out best but i guess its just a conn. DO NOT USE THEM OR YOUR IN FOR A SHOCKING SURPRISE

I like the fact that you do not have to speak to anyone to buy a policy or make changes to an existing one.
I have my car and motorcycle insurance with this company and when I changed my bike it was very easy to update the policy myself with no admin charge incurred.
I would certainly recommend this company to my friends and family.

I have had a multibike policy with Ebike for some time now, if you are able to use the internet then they provide a very simple management system that will allow you to manage your account, switching bikes on the multibike policy is very easy which makes it possible to buy and sell bikes without the grief you can get from other companies.

In my case I have one lead bike which is pretty much at the top of the price range for insurance, this means that almost always (always in my case) swapping bikes on the policy has been free of extra costs, not even an admin charge. The policy coverage is excellent including european coverage. I had the missfortune of a spill in Sweden a few years ago, luckily I was able to get the bike rideable and get home, the repairs were swift and painless, and given that I have full no claims bonus the included protection saved me from losing the no claims bonus.

My only complaint about the policy is that breakdown cover is included as standard and can't be removed, as my wife and I also share a car that leaves us with an uncovered vehicle so we need sepperate RAC coverage which we have to pay for on top of the included one for the bike. I would prefer to drop this option and save a few pounds but don't have that option.

In summary it's a great policy that you manage yourself, which gives you plenty of scope to get the best out of your insurance.

I've used ecar insurance ever since I passed my driving test 5 years ago. The policy is easy to understand and I have never been left with missing documents or information like other insurers I have heard about. I have been involved in a non fault accident and immediately called the given phone number, I could not have asked for a better or efficient service. My renewal is always very simple and seamless from one year to the next. I pay by 9 monthly instalments which spreads the cost and I find very helpful as I have a young family. All in all I have no found fault with ecar insurance and would recommend to friends and family.

*ive only just looked at these other reviews and I am truly shocked as I have never had any problems at all and I knew right from the beginning that ecar insurance is a web only based insurance company unless there has been an accident which suites me fine!

i cancelled my insurance 3 months ago!!! becuz i sold my car anyhow i decided to check my bank statement only to find out they where taking more money that they shouldnt have taken ive rang them up a number of times ive lost count!!!! i was 1st told dat a refund will be sent out 2months down the line its still not arrived when i told them they have taken more money out they said send my bank statements in which i have done twice now so i ranf them again and guess what WE HAVNT RECIEVED THEM.. then i said i would email it to them sent the same email out to 4 diffrent people and guess what WE HAVENT RECIEVED IT!!! so i asked to speak to a manager get put on hold then i get cut off this has happend 3 times in the space of 15minutes they owe me over £700 which they took out and now are deniying it.. its a good job i have bank statements to prove it.... i think ihave waited long enough to get it sorted and i think i am going to get intouch the BBC CRIME WATCH THIS IS A SCAM BE WARNED YOU ARE BEING SKANKED IN EVERY SINGLE WAY POSSIBLE STAY AWAYYY

This is the email I sent them:
I took car Insurance out with you on oct 2nd 2012. I was in contact with you by phone regarding the fact I was not able to supply you with my documents in time. This was my tough luck and you were completely unhelpful and I accepted the fact my insurance would be cancelled as I was told it would be. However, I received a letter by recorded delivery a few days later stating I had 7 days extension from date of letter to send my documents which I did so on the 7th day by email. I have proof of this. I sent you numerous emails which I also have proof of and not once was I ever contacted. So, you continue to take my monthly premium out of my bank account and I presume that you have received my documents (otherwise my policy would have been cancelled after the 7th day like you stated). I check my online account and it shows the policy is active so I am reassured that all must be well. I then receive a letter through the post on Saturday 15th December (never opened it until the 16th) which stated my insurance had been cancelled from the 6th dec 2012 without Any reason and requesting a £75 cancellation fee for the privilege. This means I was driving uninsured for 10 days having paid for cover. My last instalment before this was the 19th nov 2012. Please explain to me what is going on. I will not be paying the £75 fee. Trading standards will be sent a copy of this email in the morning. I look forward to hearing from you although I doubt I will.

Arran Banks Managing Director of Ggoup Direct Insuance Bristol Lives at
Kyneton House Mumbleys Lane Thornbury Bristol Home Phone Number is
01454 412421 His Wife mobil is 07557561600 and there Email is katyabanks007@gmail.com Russan adress is . Narodnoi Voli Street Ekaterinburg 76 85 620100 Russia Phone 007 34 32 61 22 04

Good Luck you will need it
look for Ekaterina Paderina or katya banks Arron Fraser Banks...

ok if you haven't got the idea by now, DO NOT USE ECAR!! unfortunately I didn't have the foresight of these reviews!! to cut a long story short, I took out a policy with them, within about 2 weeks of starting the policy we too got bombarded to submit proof, which was done by email and confirmed at the start of the policy! then they decided to put the price up, by £400!!! at the time I did not have enough money to chance insurance providers so had to continue with the monthly payments which started at around £56, later rising to £99.28, then we were told that we would be getting a refund taking the monthly payments down to £46 then another letter to say no, sorry, your monthly payments will remain £99.28. Ok so grumble grumble we carried on paying. Then when we moved to a better area, with driveway, cul-de-sac etc I contacted eCar to change the details (needless to say I haven't rung them once as their call charges are just unrealistic!) you can do changes online and it gives you a quote.. so proceeded to do this, to find out that an additional £150 would be required to make the change!! (not including the standard £30 odd change to policy fee) so i decided to get quotes from elsewhere. Having done this I found a quote for £60 per month!! I therefore cancelled my policy but of course the online quotation wouldn't say if I would be owed or if I would owe money. However, having paid the monthly premium on 29th October and being a months payment in advance and my policy ending on the 29th October I presumed (Stupidly) that I would be getting money back from them and the premium would cover the £75 cancellation fee.... ooo no.. like getting blood from a stone!! I've now received a letter saying I owe them £51.66 and to call their £1.50 per min number to make payment!!!! absolutely fuming..... Needless to say I am now going through all the paperwork and will be making a complaint to trading standards or the motor ombudsman (if there is one!!) absolutely atrocious! also non of my correspondence has ever had a reasonable reply, only directed me to their website! when my change of details quotation was received I sent an email to their customer services and was directed to their website, no help what so ever as it would have required someone to talk to me and go through the file to resolve the issue!!

Refusing now to call ecar, cost my husband £13 to call them the other day and me £8. They aren't open on Saturdays so not convenient for working folk.
Trying to change policy and want to speak to someone, sent to emails via their website and heard nothing.
Asked about cancelling policy and that's going to cost £155 at least! Spoke to someone there about cancelling and I chose the cancel my policy option and he said there might be other costs but he couldn't say what as it wasn't his department!!!???

Avoid ecar like E.coli. In fact I would avoid any purely online company. It pays to be able to speak to someone.
Something should be done about this company, especially their extortionate call costs.

If we all contact trading standards maybe they will have to do something.

This company is not only the hardest company to get a hold of, but they are the small print masters. Conning me out of a massive 1/3 of my annual price of my insurance in just 16 days from starting the policy.

If you are considering this company because they're cheap? They aren't when you try to phone them... ON A 0906 NUMBER. £1.00 PER MINUTE.

Credit to the Financial Ombudsman on this one, had to get them involved because every letter eCar and Panacea Finance Lmt sent was contradicting the previous or the next I opened. The finance agreement was sent 7 days before I received it... and the best part is... "the information in this letter is only valid for 7 days from the date of this letter" (quoted purposely!) Absolute nightmare.


Now, I have upgraded my car, little bit newer, and due to my age being only18 and just a new driver, I expect my insurance to be pricy and these guys seem the only option. THINK AGAIN!!! I can get the EXACT same policy, EXACT same cover and the EXACT same price...... the only difference....... my newer company are a lot more favoured!!!


Compare websites are a certain option when it comes to insurance for young drivers!! eCar... wouldn't recommend them to my worst enemy.

Ecar are basically pikeys with a business mind, lost all my money when I paid for my insurance in may 2012, after 10 days of phone calls and arguments I managed to get insurance and £200 compensation. Today (14th november 2012)I get a letter saying that I've not sent any ncd proof, and that my insurance will be stopped on the 15th of July 2012! When talking to the bloke at ecar he had no idea what I was on about, nothing but trouble and quite frankly they need to be dissolved as a company!

So many things have gone wrong just buying a policy and then trying to cancel it after 3 months it would take me a week to type this post. Absolutely appalling, no customer service, appear to keep no records of communication. Terrible. Avoid like the plague.

This company should be avoided if at all possible. I have written a long complaint on this company detailing my experience with them, but for the purposes of this review I will try to keep it short.

They request certain documents within 23 days or they impose fines on you and cancel your policy. No complaints so far. HOWEVER, they when you post this to them they seem to mysteriously not receive it. You try and contact them, but they are VERY hard to get hold of and the email system does not help you at all (it's almost as if that is deliberate).

My advice to anyone who has just signed up or someone who is in the position I was in, where eCar was the only affordable insurance option, is:
- As soon as your policy begins, send all the required documents by recorded delivery to the address given. It MUST be recorded delivery, or else they will deny it ever arrived.

- Then keep checking on the Royal Mail website and as soon as you can see it has been delivered, phone their helpdesk on 01454 634 887 and get verbal confirmation that your documents have been validated, and request an email confirmation too. Don't ring the premium 09 number as they never pick up and it will cost you a bomb - almost as much as the insurance!

Good luck, and don't let these guys take your money unfairly!

I'm having an absolute nightmare with eCar.

I'm on secondment in Zagreb and remembered that my road tax was up for renewal. When trying to renew online, my car was appearing as uninsured on the MID.

I first spoke to someone at eCar customer services 2 weeks ago. I was told that they were unsure why my insurance file was not sent to the MID to upload. When I asked for an update, I didn't hear anything back.

Which then led me to their complaints department, who were, if anything more useless. Again, I had an apology, but when trying to get an update, heard nothing by phone or email.

I called this morning and spoke to another girl in customer services. I asked her to send me a copy of my insurance certificate, so when I got back to the UK (providing my car has not been clamped in the meantime) I could get a new tax disc from the post office. I received my insurance certificate a few moments later only to realise that despite being quick enough to take the money out of my bank account, the start AND end date on my insurance certificate is the same day in the same year.

I'm absolutely fuming - being abroad and not able to sort this in person is the most frustrating thing in the world. Not to mention, when I asked them to send me information about how to cancel my policy, they told me I would be charged as I'm in contract.

My only hope is a guy called Michael who I spoke to just now.. I'm praying he's able to help me sort this out. But the fact it's been going on for weeks now and not even the complaints department are taking this seriously doesn't leave me with much hope.

Stay clear of this company.

This company is without doubt the hardest company to get in touch with. You can never get to speak to anyone in customer services if you have a problem, which invariably, you do.

There is a PREMIUM RATE PHONE NUMBER for you to use that cuts off after you listen to the recorded message for ages.

The only way to communicate with them is through e.mail via their website. VERY DIFFICULT TO FIND AND USE.

When you do eventually manage to send them an e.mail, it may take up to 4/5 days for them to deal with it.

They may be cheap, but soon rack up extra payments from you if there are any problems. THERE WILL ALWAYS BE.

Bought a policy in 2010, then again in 2011, this year quote was too high so went with someone else, been trying to get proof of my NCD, have sent 4 emails, written to the complaints department but no-one seems to want to reply, new insurance co. are now threatening to cancel unless this is received.

E-car insurance, have the worst customer service I have ever come across, will never ever use again, and will recommend no-one touches them with a barge pole.... they won't be long in business with this level of service!!

Time to get in touch with the financial ombudsman over this!!!

This is the worst company I have ever dealt with. The prices are low as they obviously have no intention of insuring your vehicle. Paid the normal deposit, sent all relevant forms ( more than any other insurance company requires - copies of drivers licences x 2 etc ) They then send you a notice of cancellation, even though they have received the relevant info ( and have confirmed in writing/e mail ) They try to charge £1 per minute to speak to someone and now looking at all of the forums you can see this is actually a scam. So they get a couple of hundred pounds up front, then cancel your policy without providing the right level of refund. Please, please, please, read all of the negative reviews and DO NOT use this rip off company.