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Urgent Help Needed Ecarinsurance


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My sister insured her car last March with ecarinsurance.

 

She paid her premium in full on her card and a few days later she received her certificate of motor insurance.

 

Thinking every thing was ok she never thought anymore about it. However ecareinsurance had missed out part of her postal address on the document even though they had sent her documents to the correct postal address and the envelope the documents came in had her full postal address on it.

 

Yesterday my sister was in a accident where she hit another driver. She phoned ecarinsurance to report the incident only to be told that her insurance had been cancelled.

 

They claim that because they had not received proof of her no claims bonus they had e-mailed her telling her they had cancelled her policy and they also claim that they had attempted to send her cheque back for the premium she had paid but the cheque had been returned as the postman had been unable to find the postal address. Obviously this is untrue as they had sent her original documents to her in the first place, and surly they would have refunded her money back on to her bank card rather than via cheque beings this was the method that she paid by.

 

the insurers also claim that as they are a online company they only use e-mail as their source of correspondence and that sending an e-mail to someone stating their insurance has been cancelled is acceptable. However I looked at the terms and conditions on their website and it clearly states that, If ecarinsurance wishes to cancel the policy then they have to inform you in writing via recorded delivery within 7 days of cancelling the policy

 

Surly this company can not get away with this and claim that they didnt have her full postal address when my sister clearly has proof from the envelope containing the origonal insurance certificate with her full postal address on it.

 

As you can imagine my sister is really stressed out about this, Not only has she written her own car off but she now faces getting in trouble with the police for driving with no insurance and also from the third party that she hit.

 

has anyone else faced this problem with this company or other insurer and can offer any advice would be greatly appreciated.

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I would scan the envelpe from the certificate of insurance confirming they had the full address and email them.

 

The fact that they have attempted to send her a letter cancelling but it was RTS means they have attempted to contact you, so have adhered to their terms and conditions.

 

However, as you mentioned they did have your address - they also have the premium.

 

She will also need to send proof of NCD.

 

Good Luck

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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I would scan the envelpe from the certificate of insurance confirming they had the full address and email them.

 

The fact that they have attempted to send her a letter cancelling but it was RTS means they have attempted to contact you, so have adhered to their terms and conditions.

 

However, as you mentioned they did have your address - they also have the premium.

 

She will also need to send proof of NCD.

 

Good Luck

 

 

When they say the letter was RTS that was because apparently they had missed off part of her address on this particular letter that supposedly contained the cancellation notice and cheque refund.

That's why the postman was unable to deliver it. But surly that fault lies back with ecarinsurance for not filling out a postal document correctly, It's not like they can argue and say they didnt have the correct address because they used the full address correctly previously when they successfully sent her the original documents.

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thanks for your reply btw. much appreciated.

 

The more I have readup about this company the worse it gets. It seems as though my sister is not the only one who has fell foul to this company. It seems as though there are a lot of people in the same boat and ecarinsurance is famous for canceeling polices without informing the driver, apparently they also have a cheek of charging you £80 for them cancelling the policy.

 

Be warned anyone who is considering taking out insurance or re-insuring with this company they are sharks

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A friend of mine took out a policy with them, within hours of accepting the quote and paying the premium online she had found out a few things about ecarinsurance that she didn't like (from postings on forums), so she tried to cancel the policy.

 

Despite following all their instructions to cancel they still insisted they couldn't cancel until she returned the certificate of insurance even though they hadn't yet sent it out. They also demanded proof of her no claims discount which considering she had cancelled was a ludicrous demand.

 

It took several very strongly worded emails to ecarinsurance to get them to drop this request for proof of NCD, and even after she had returned the certificate of insurance to them they denied receiving it back.

 

More strongly worded emails, proof of delivery (the certificate of insurance was sent back recorded delivery) and finally the threat of legal action was the only way she got a refund of the premium, but to the end they tried to charge a cancellation fee (which they didn't get).

 

The following link is to another thread about their sharp practices....

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/238358-ecarinsurance-warning.html

 

I have never ever come across any other insurer who employs such tactics, they try and make you jump through so many hoops hoping you will fail and then they can apply some charge or other.

 

To be honest I'm surprised they are still in business, so it doesn't really surprise me to hear about the way they deal with claims.

 

As pomaus says, 'Be warned anyone who is considering using this Company'

 

Mossy

Edited by Mossycat
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finally went and saw a solicitor yesterday who has thankfully taken on the case and said that the insurance policy is enforceable as ecarinsurance did have her full address as they had used it to send her the original policy and details where correct on the envelope.

 

And also because they had not refunded her premium on her bank card the same way in which she paid.

 

Solicitor also confirmed that sending an e-mail is not acceptable form of cancelling insurance and that they needed to send cancellation through recorded delivery 7 day's before they propose to cancel the policy.

 

Solicitor agreed that this will probably be a drawn out battle with ecarinsurance but she was confident that we would win.

 

Again just want to reiterate don't use eCar Insurance - Welcome to eCar Insurance whatever you do. They are sharks and will screw you over when you come to claim.

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  • 1 year later...

Sorry for not updating the forum on this topic.

 

My sister won her battle with E-car insurance in the end.

 

E-car Insurance had to accept that the policy was valid and that they where liable for any claims which arose from this policy during the Insured period.

 

They also had to reimburse my sisters Legal Fee's.

 

Please people, I can not stress enough, do not touch this company with a barge pole, they are sharks of the very worst kind.

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  • 4 months later...

Hello

 

When you say card I hope it was a credit card, I used a credit card and put a complaint to the credit card company that I had been defrauded, MBNA called ecar (01454) 636 940 the implication was breach of contract, ecar scumbags called me the next day & gave me a full refund. Please feel free to call me if you require further avenues in dealing with these monsters [edit].

Regards

Andrew

Edited by honeybee13
Removing personal details for your own security.
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