Car no claims bonus proof -help!

[twinklie]

We have just changed our car insurance to Admiral because it is so much cheaper that what we had origionally.

However, I recieved a letter this morning asking for the proof of our (or rather my partners) No Claims Bonus. What should I provide for this proof? I'm a tad confused, I've never dealt with car insurance before and don't know what proof I should have.

They want us to return the proof within 7 days so any help or advice would be appreciated. Thanks.

[malamute]

If you have the renewal from your previous insurer this shows your no-claims discount if not contact them and they are duty bound to supply the proof of your no-claims. You must send the document and not a photocopy also you don't get it back so i would make a personal copy for your self.

[twinklie]

OOh brilliant. I wouldn't have known you don't get it back, thanks for that.

Is it worth sending recorded in that case to get proof that they received it?

[malamute]

i just made a copy and sent original and got proof of posting (costs nothing)

[sharrazmatazz]

This is just my experience. And so far it's positive, so I'm prepared to state Endsleigh as my previous broker.

I renewed after two years to a different insurer, who wanted proof of no-claims discount/bonus (call it what you will). I'd heard getting this off insurers you were leaving could be really difficult. I rang up my Endsleigh and the first guy was very polite and said he'd transfer me to someone who could deal with it. Imagine my lack of expectation when he put me on hold. The new line picked up within about 10 seconds and the lady assured me the proof would be posted to my home address on the day the policy expired. I don't think that's standard unless requested, but it was certainly hassle free if it does turn up.

I shopped around and Endsleigh didn't match this time round, but they've been the best the previous two years and I'd not hesitate to use again (personally).

Just to add, my renewal quote didn't show #yrs NCD so I couldn't just post that to the new insurer.

Best wishes

[tomstickland]

After two attempts at sending the renewal letter to my new insurers I just phoned them up, gave them my previous insurer's number and they were happy.

[DeaconBrodie]

I have just called my car insurer [50Plus Insurance Services] to cancel the policy as I have changed the car & insured the replacement elsewhere. Understandably the new company want proof of the no claim bonus. However 50Plus Insurance Services say tey cannot do this until the policy would normally end & that I need to call again at that time. That is ages away & in the meantine the new company are going to increase the premium. How can I get 50Plus Insurance Services to be a wee bit more cooperative?

[Quentin]

Speak to a manager - they are having a laugh. You get no NCD added for the current year, so there is no reason to make you wait. Ask them to send confirmation that you have nil claims this year and to confirm your NCD when you originally started the current year's policy.

[Mach22]

I've noticed that several firms offer NCDs of up to 20 years (which I can claim to have).
But how can you produce proof of that many years NCD when most other firms only work to around 6 years max and that's all they will show on your renewal form ?

[Quentin]

You need to keep a paper trail of renewal notices.

But the extra discount over the normal 65/70% these firms offer is minimal, and usually shopping around can bring up cheaper premiums even with firms who don't offer the extra discount.

And if you make a claim which affects your NCD level, it goes down from the max of 5 years irrespective of your previous 20 year level. (So after a claim, your NCD at renewal would drop from "20" years to 3.)

[mikey72]

Originally Posted by Quentin

You need to keep a paper trail of renewal notices.

But the extra discount over the normal 65/70% these firms offer is minimal, and usually shopping around can bring up cheaper premiums even with firms who don't offer the extra discount.

And if you make a claim which affects your NCD level, it goes down from the max of 5 years irrespective of your previous 20 year level. (So after a claim, your NCD at renewal would drop from "20" years to 3.)

Feeling of deja vu here from a different thread.
Not always, esure for instance don't drop all the way down if you have been with them a few years.

[lisyloo]

That's true, the problem is that for most people it isn't cost effective to stay with the same insurer.

But you're right there are benefits sometimes of staying with the same one.
I believe esure also have lower charges in subsequent years (or higher in the first year depending on how you want to look at it).
Or at least they did at one point.

[Quentin]

Press the spam button on this scammer!

They charge £190 for a fake "proof". If they ever bother sending you it! And you can be sure your insurer will see through it with grave consequences for you!

[raskazz]

Originally Posted by spannasq4

<site removed>

The registrant of the website is located at:

339 Harborne Lane
Harborne
Birmingham
West Midlands
B17 0NT
United Kingdom

The email address linked with the PayPal payments is:

aleksandrakokot@live.co.uk

I have sent full details of this scammer to:

• The Insurance Fraud Bureau (IFB)
• The Motor Insurer's Bureau (MIB) to disseminate to its members
• Crimestoppers
• The Insurance Fraud Investigators' Group (IFIG)
• The National Fraud Intelligence Bureau

[dacouch]

Originally Posted by Quentin

Press the spam button on this scammer!

They charge £190 for a fake "proof". If they ever bother sending you it! And you can be sure your insurer will see through it with grave consequences for you!

His address is
Harborne Lane
Harborne
Birmingham
West Midlands
B17 0NT

[iainthegimp]

whatever you do dont ever ever sighn up to ecar insurance,,,its a scam,,,they promise the best cover at low price,,,you will never convince them of no claims discount,,,license details.even when your paperwork is 100% they never received it,,even recorded delivery... they make fortune from the cancelation fees ,,75 quid a time..i worked in insurance for 20 odd years and wish i,d thought of this years ago,,legal robery.

[risflo]

I have received my proof of no claims for 6 years from my previous insurer, but it also says on the letter:

"We confirm 06 years no claims discount on vehicle registration ......
Not protected no claims discount with no claims.
This no claims discount has not been proven as no proof of bonus was received at inception"

That doesn't look like it's going to be good enough, is it?
Please help

[Quentin]

As long as you have the original proof to show another insurer (should they want it), then there (should!) be no probs.

[gooddriver]

I can't find anywhere any official legislation or law which clarify's how one would obtain a NCB after an incident.

Everywhere i look on the web it says "No claims bonus (NCB) is also known as no claims discount (NCD). For every year of driving without making an insurance claim, you are awarded one years no claims bonus."

I have made insurance with a new insurer where they require proof from the previous insurer in order to accept my 1 years NCB.

Back in Oct 30th 2009 I lost my 3 years NCB (been driving since 2006) for having a very slight bump, as my automatic car rolled forward into a stationary vehicle as we were stuck in a 4 hour long journey in grid lock traffic on the A2... I have 0 damage on my vehicle and I was at fault as i got caught sleepy, when i assumed i had the gear into P. The other car only had a slight imprint of my registration plate on his bumper, slight dots.

I lost my 3 years NCB for that....thats fine i accept that... but i have had to pay hundreds-thousands more because of this...

What im not clear about is having spoke to the previous insurer... they said im not entitled to 1 NCB after the incident date as It was during a policy or something...and that you can only earn a NCB by sticking with the same insurer for that whole year!

Now... the facts are

8th June 2009 policy started
30th Oct 2009 Incident date (lost 3 years NCB)
8th June 2010 policy renewed^without NCB (got to wait til oct?)
30th Oct 2010 (still driving and insured) Is this one year??
Policy ended 20th Dec 2010
^all that listed is with the same insurer...

The old insurer gave some document which stated

"We confirm the above client was insured with this company and at the time of the policy on 08/06/2011 the client was entitled to 0 Years"

My new insurer isint buying it.

Have i got my maths wrong? or is there a law stating it must be a full year policy not based on the incident date, but policy start dates...??

i would appriciate some help

[Quentin]

You get awarded a years NCD by the insurer for completing a full policy year without a claim.

(Not for going a year since your last claim!)