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  • FIRST POST
    big-saver
    My no claims bonus is over 2 years old. Who will insure me?
    • #1
    • 11th Oct 10, 2:27 PM
    My no claims bonus is over 2 years old. Who will insure me? 11th Oct 10 at 2:27 PM
    I have 5 years no claims bonus but I've not had insurance for the last 2 and a half years (because I lived in London and didn't need a car, then I moved overseas).

    I tried 2 insurers and both of them insisted that the no claims discount had to have been issued within the last 2 years. As mine was issued in May 2008, they don't take account of it at all.

    If I cannot use my 5 years NCB, the price of insurance goes up from £370 to £800!!!

    Are there any insurers which will accept my 5 years NCB?

    Thanks
Page 2
  • JR Watson
    Aviva will accept up to 3 years from any previous insurer.

    Co-op will accept up to 3 years if the previous policy was with them.

    Otherwise try a broker like Adrian Flux.
    Originally posted by Dan Smith
    This was correct until Summer 2011 when Aviva went 2 years as well.
    • forgotmyname
    • By forgotmyname 17th Oct 12, 8:43 PM
    • 25,273 Posts
    • 10,033 Thanks
    forgotmyname
    So this was correct when posted in 2010 ??

    You need to check dates before replying. I presume you found it through a google search?

    Which seems to give you the ancient posts near the top of the list.

    Done it myself, Typed up a long winded answer then spotted the date.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
  • EmmilyE
    Hi I know this is an old thread but its helped me!

    I called all the recommended insurance companies as recommended on here and other sites, my NCB expired 2.5 yeas ago
    (as haven't had a car)
    Aviva -no
    axa -no
    directline -no

    anyway only the co op accept expired NCB so over 2 years but under 3 years, (haven't got a quote yet as my brain hurts will do tomo)

    Also the broker Adrian Flux found 1 company - the quote was roughly the same as if I had 0 years NCB BUT after a year with them I get my 6 years plus the year I had with them NCB back and ready to play with


    I hope this helps others as its Friday night and i've spent ages researching this!
    now its time for a drink!
    • whambam
    • By whambam 11th Sep 13, 11:27 PM
    • 160 Posts
    • 22 Thanks
    whambam
    Has anyone recently taken out car insurance with Adrian Flux as my NCB is 2.2 years! 2 months over which most insurers say will become invalid?
  • Marjorie Daw
    Liverpool Victoria.

    I used Liverpool Victoria for more than 8 years until last April 2012 when my car finally packed up. It was an old Mercedes E220. I never quibbled over increases and always paid on time. Since then I have been using my partner's car as a named driver.

    I saved up and I phoned up Liverpool Victoria to get a quote for insurance on a newer Mercedes E220 (8 years old) today. They said my no claims bonus is no longer valid after 18 months and would not even insure me. None of my details (for example claims, or penalty points) have changed.

    I just don't understand and feel slighted by Liverpool Victoria. Who should I phone now? Many thanks in advance.
    • Quentin
    • By Quentin 17th Sep 13, 11:20 PM
    • 32,026 Posts
    • 16,103 Thanks
    Quentin
    Most insurers will accept ncd up to 2 years old, so you should have no problems trying others.
  • angelaaa
    My NCD was three weeks over the two year expiry date... I searched everywhere (including this forum) and found Co-op (as mentioned by Spamantone - thank you!) was the only company who would officially accept my NCD (bearing in mind it was 3 - yes that's THREE - weeks out of date). Aviva said no, Admiral and Sheila's Wheels said no, some of the budget insurers said no. Here's the scoop on the unofficial yes's I got:

    Diamond - happy to accept it (didn't follow this through as they weren't as cheap as Axa but they were cheaper than Co-op)

    Axa (who my last policy was with - via a broker) said yes as it was within a month. I did the 'confused.com' comparison, then went to their website via TopCashback and a fully comp policy came out almost as cheap as the cheapest budget insurer for third party fire & theft. Actually ended up being cheaper on Axa'a site than the Confused quote.

    Definitely need to persist with comparison sites and for the NCD thing - be willing to make calls, not just a few either.

    I got a sense that the big insurers are hungrier for business, or just a bit more flexible for some reason.
  • Marjorie Daw
    Thanks
    Thanks for your help.
  • Marjorie Daw
    Puddled
    Thanks for your help.
    Originally posted by Marjorie Daw
    Interestingly, the staff at Liverpool Victoria seemed disappointed when I rang them for my proof of no claims document.

    Then I was told, by three different people at LV, that a lapse of one year, two years or three years was acceptable. So a lack of training there.

    I had no trouble at all getting insured elsewhere (and cheaper) in the end.
    Last edited by Marjorie Daw; 30-09-2013 at 1:44 PM.
  • gravvle
    I am very annoyed. I spent ages on the phone last week with the Coop making sure that even though my NCD was just over 2 years old, they would accept the no claims. I sent of the confirmation document . Today I received an email stating that they can't insure me as the NCD was over 2 years. It was explained to them that I had been assured by the person representing the Coop that they would accept it.

    They are now lookiing back at the records t see if I was misled, if so, they will refund all off the money. Trouble is, I bought the car on the strength of that policy I may have to pay more now and I'm not very happy about it. they should have to pay me compensation for the mess they've caused. I don't now what to do, but I want to complain about it.
  • gravvle
    None of the insurance companies I've looked at since are accepting more than 2 years.
    • Quentin
    • By Quentin 12th Oct 13, 2:21 PM
    • 32,026 Posts
    • 16,103 Thanks
    Quentin
    I am very annoyed. I spent ages on the phone last week with the Coop making sure that even though my NCD was just over 2 years old, they would accept the no claims. I sent of the confirmation document . Today I received an email stating that they can't insure me as the NCD was over 2 years. It was explained to them that I had been assured by the person representing the Coop that they would accept it.

    They are now lookiing back at the records t see if I was misled, if so, they will refund all off the money. Trouble is, I bought the car on the strength of that policy I may have to pay more now and I'm not very happy about it. they should have to pay me compensation for the mess they've caused. I don't now what to do, but I want to complain about it.
    Originally posted by gravvle
    Make a formal complaint and ask them to reinstate your policy and compensate you for the inconvenience/annoyance they are causing you. If unhappy with their response escalate to FOS to adjudicate at no cost to you.

    Their website makes numerous references to NCD, saying it must be up to 3 years old.

    Take screen prints for future reference should they deny it again.

    eg: http://www.co-operativeinsurance.co.uk/helppages/car-quote/help-noclaims

    ...The expiry date of the last insurance must be no more than three years ago....
    .
  • gravvle
    The thing I don't understand is I spoke to the one you are quoting, but they are saying that they are Coop Eco and that's different. It seems like I thought I was insuring with one and got another.
    • Quentin
    • By Quentin 12th Oct 13, 2:40 PM
    • 32,026 Posts
    • 16,103 Thanks
    Quentin
    Coop eco is a different operation.

    They are correct in telling you 2 years max. for that product.

    My quote above showing 3 years max is regarding co-op insurance (cis):

    http://www.co-operativeinsurance.co.uk/carinsurance
    Last edited by Quentin; 12-10-2013 at 2:54 PM.
  • gravvle
    They have just called me back and have accepted the fact that I was misled and will pay all moneys we have paid to them back- except they tried too make me pay for the the week I have had the cover.

    Many raised voices and speaking to the manager has resulted in them giving us a full refund and we are insured until Tuesday. The woman on the other end of the phone was disgusting, she started shouting etc. I will never use that company again.
    • Quentin
    • By Quentin 12th Oct 13, 3:21 PM
    • 32,026 Posts
    • 16,103 Thanks
    Quentin
    ...I will never use that company again.
    Originally posted by gravvle
    Maybe still worth going with them (not the eco product) if the quote is cost effective and you get to use your old NCD.
  • gravvle
    Maybe still worth going with them (not the eco product) if the quote is cost effective and you get to use your old NCD.
    Originally posted by Quentin
    No I have to start from zero and they recommended that I use another company.
    • Quentin
    • By Quentin 12th Oct 13, 3:31 PM
    • 32,026 Posts
    • 16,103 Thanks
    Quentin
    But have you checked out the co-op website and what it says?

    The eco product (provided by bisl) is different, and does have 2 years as its maximum age. (Though does say they will give up to 40% introductory discount if you have nil ncd)

    As I quoted, co-op take it up to 3 years old.
  • gravvle
    But have you checked out the co-op website and what it says?

    The eco product (provided by bisl) is different, and does have 2 years as its maximum age. (Though does say they will give up to 40% introductory discount if you have nil ncd)

    As I quoted, co-op take it up to 3 years old.
    Originally posted by Quentin
    They did say on the phone that I could use my no clailms, it was discussed in depth and they admit that I was misled. I'm trying the other coop now.
  • gravvle
    Just phoned the other coop to check the no claims situation. Despite having a proof of no claims discount from my other insurer, who by the way siad they would insure including the no claims, but it was too expensive, the other coop said I had to check with the previous insurance company to see if my no claims was live for two or 3 years. So what it says on their website is a load of &&&@@@. I can go ahead with the insurance but if their underwriters think there is a problem they will cancel the insurance.

    Its about time these insurance cmpanies were regulated, they will say it can't be done because its a free market. Well it isn't. We legally have to have car insurance and we are at the mercy of these money- grabbing companies! There should be a flat line insurance fee for basic cover, then they can scrap over the whistles and bells.
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