Help - Car insurance NCD

Freers · 28 May 2008 at 12:44PM

Hi all

I've been lurking for a while, but the time has come to introduce myself with a question.

In Nov 2005 I received a company car, but continued to insure my personal car until it was sold in Jan 2006 I had 6yrs no claims discount at this time. Now in April 2008 I returned my company car in favour of another personal one, and on insuring it, I assumed that my 6 years ncd previously gained would still stand, especially considering I had been driving a company car for more than 2 years in the meantime. I have since been informed that because the company and personal car insurances overlapped for a period that I cannot claim the 6 yrs ncd at all, let alone a possible 8 years by combining the two. They are now chasing me for payment of another £280, can anyone tell me where I stand or if I can cancel???

Thanks in advance.

Neil

boyse7en · 28 May 2008 at 1:55PM

Most insurance company want to have proof of no claims that is less than 2 years old, so I suspect your's is the same.

Can you use the period of company car use to build up a
no claims discount, it would give you 2 years.

Freers · 28 May 2008 at 2:50PM

I understand that, but do they not consider that I have been driving continuously for 8 years with no claims whatsoever to be worth anything?

raskazz · 28 May 2008 at 3:51PM

Freers wrote: »

I understand that, but do they not consider that I have been driving continuously for 8 years with no claims whatsoever to be worth anything?

Of course it will count for something because if you had suffered claims you would have had to disclose them and the premium would be loaded as a result. But you can't transfer the NCD because it's been earned too far in the past.

losgiganteskid · 28 May 2008 at 4:12PM

Freers wrote: »

I assumed that my 6 years ncd previously gained would still stand

Yes - that's perfectly understandable - however many insurers impose a time limit on how long a "frozen" ncd entitlement remains live.

In these days of computer driven quotations the programmes are written to either accept or decline NCB if earned within a certain timescale. You ideally would have been better off using the services of an insurance broker, who would have contacted insurers on your behalf where common sense would have prevailed. The fact that you continued driving under a company car policy claim free should have re-inforced an underwriters decision to allow you a full no claim bonus. As you seem to have committed yourself to your current insurer I suppose you could only rely on their underwriters having a sympathetic ear - but don't hold your breath

raskazz · 28 May 2008 at 4:16PM

The thing is, it's ridiculously easy to claim you had no accidents claims, fires or thefts while driving on a company car, even if you did. You could knock a letter off in five minutes on your PC. Or, like my father did 10 years ago, you could just bung the fleet manager of your company a tenner when you leave and have him mysteriously 'forget' about accidents that were incurred when writing a letter. So it's not surprising that a lot of insurers won't accept company car driving as equivalent to NCD.

losgiganteskid · 28 May 2008 at 6:15PM

raskazz wrote: »

like my father did 10 years ago, you could just bung the fleet manager of your company a tenner when you leave and have him mysteriously 'forget' about accidents that were incurred when writing a letter.

What's that saying - ahh ! yes - like father like son !!

Help - Car insurance NCD

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