very cheap insurance

**fordomatic** · 08-11-2008, 04:54 PM

i just changed my insurance from NRMA to e car insurance and have saved a sh!t load. i am paying $58 a month now and i used to pay $165. Pretty happy with that. anyone else used them? oh yeh im 22 with no previous fines or claims, and i have an 04 xr8.

www.ecarinsurance.com.au

Meg's GT's · 08-11-2008, 06:15 PM

They come in $600 p/a cheaper than the lowest quote I've found so far for my car (65% NCB, no infringements etc). That's a huge amount.
I've been searching for reviews for them and have come across a couple which aren't too encouraging.
Not enough info on their website for me to be comfortable going with them and from what I've read their phone number is only a help desk to navigate around the website? I'd be more at ease actually speaking with someone and having a live person answer any questions I have etc.

Will keep looking around and see what I can find. If it's all good then it's a bargain....if it's not good then ultimately it could cause a lot of grief.

**Falcon Coupe** · 08-11-2008, 06:17 PM

There has been discussion about this company:

http://fordforums.com.au/showthread.php?t=110472

http://fordforums.com.au/showthread.php?t=11230797

bd737 · 08-11-2008, 07:50 PM

I'm with this mob and a bit unsure, as they tried to get out of a claim for a replacement windscreen by telling me that I didn't have the reduced windscreen excess ($40), which I DID! Without the reduced excess I was looking at $400.

And get this, they wanted me to forward them scanned copies of my own policy hard-copy via email to verify this - WTF!!! Those same details are not on the computer screen in front of them???

:

Lost a bit of confidence in them after this. They are cheap though!

Darkr · 09-11-2008, 04:10 PM

Their site alone looks like a scam site. Their policies sound a bit wierd.

I'd avoid.

Edit: can anyone find who their underwriters are?

bd737 · 09-11-2008, 05:36 PM

Their underwriters are now Lloyds. I received a letter not too long ago explaining the change to Lloyds.

Taken from the PDS:

This insurance policy is Insurance Council of Australia’s General Insurance Code of Practice compliant, apart from any claims adjusted outside Australia. Underwriters at Lloyd’s proudly support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry.

LTDHO · 09-11-2008, 06:01 PM

Did someone say dodgy?

I wonder why they are soooo cheap!!!!

fordel · 09-11-2008, 07:04 PM

They look dodgy,

They dont even recognise my car as have a ZF in it, just assumed its a manual.

Not even saving me money over what i am paying now anyway.

Zephyr · 10-11-2008, 06:31 PM

I wouldn't change to a company like that. I'd rather pay a higher premium for better service.

Penelope Pitstop · 10-11-2008, 07:20 PM

Just remember kids, you get what you pay for.

Lloyds are an overseas insurance underwriter - Lloyds of London.

balthazarr · 10-11-2008, 07:45 PM

They wouldn't even insure my car... and only told me this after completing the online quote.

Now, they won't stop spamming my inbox, trying to convince me to insure with them.

:

GORDZ · 10-11-2008, 07:56 PM

Decline: Modifications
Due to underwriting considerations we are unable to offer insurance based on the information provided.
Decline Code: 50

thanks for SFA. whinging poms.

JACK250 · 10-11-2008, 08:01 PM

Quote:

Originally Posted by fordel

They look dodgy,

They dont even recognise my car as have a ZF in it, just assumed its a manual.

Not even saving me money over what i am paying now anyway.

No pre-1980 falcon models either

andrewr · 11-11-2008, 12:17 AM

Quote:

Originally Posted by GORDZ

Decline: Modifications
Due to underwriting considerations we are unable to offer insurance based on the information provided.
Decline Code: 50

thanks for SFA. whinging poms.

I just got that too..