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 Budget Direct Insurance
Owned By: Southern Rock Insurance Company Ltd Underwritten By: Lloyd's Australia Ltd

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eCar Insurance was set up to revolutionise the vehicle insurance market by offering competitive rates direct to drivers without the additional cost of broker commission and fees. The E Group is one of the fastest growing online insurance businesses in Australia.

eCar Insurance are the first direct vehicle insurer in Australia to offer you the facility to completely buy, administer and renew your policy online - no phone calls are necessary to manage your policy.

Source: eCar

Comprehensive Motor
Owned by:
Southern Rock Insurance Company Ltd
Underwritten by:
Lloyd's Australia Ltd
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
optional OR 12m free NCDP if 8 months of no claims or for life if held for 5 years
Maximum No claim bonus:
50%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$10,000,000
Public liability cover available:
Yes
Death:
$5000 (+25 yrs)
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
Yes
Cover if driver not nominated:
yes (+25yrs only + $1000 extra excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes (preferred only)
New Car Replacement:
12 months old
Essential Repairs:
No
Emergency Accommodation &/or Transport:
$500
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
$1000
Personal effects covered in Collision &/or theft:
$250 (collision only)
Baby Captual & Child Seat:
No
Trailer cover available:
$500 (collision only)
Relacement Keys:
$40 included in Breakdown cover
Rental car following theft:
$75 per day (14 days)
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Source:
Includes Breakdown cover
Third Party Property Motor
Owned by:
Southern Rock Insurance Company Ltd
Underwritten by:
Lloyd's Australia Ltd
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
No
Rating 1 Protection:
optional OR 12m free NCDP if 8 months of no claims or for life if held for 5 years
Maximum No claim bonus:
50%
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$10,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
No
Cover if driver not nominated:
No
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes (preferred only)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
$1000
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Southern Rock Insurance Company Ltd
Underwritten by:
Lloyd's Australia Ltd
Owner of Underwriter:
.
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
No
Rating 1 Protection:
optional OR 12m free NCDP if 8 months of no claims or for life if held for 5 years
Maximum No claim bonus:
50%
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$10,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
No
Cover if driver not nominated:
No
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes (preferred only)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
$1000
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
$75 per day (14 days)
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
Basic Excess
TAS/WA: $350, SA: $400, VIC/QLD: $500, NSW: $550
Not Nominated
$1000
Variable Excess
Yes (only comprehensive)
Remove Excess
Yes (only comprehensive)
No Claims Discount (ncd)
Not your Fault (no-fault)
Downgrade NCD if you don't hold NCD protection
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
NCD Protection
Optional OR 12m free NCDP if 8 months of no claims or for life if held for 5 years