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  • FIRST POST
    • dexterwolf
    • By dexterwolf 6th Sep 17, 6:21 PM
    • 310Posts
    • 53Thanks
    dexterwolf
    Car insurance renewal
    • #1
    • 6th Sep 17, 6:21 PM
    Car insurance renewal 6th Sep 17 at 6:21 PM
    I have been driving 18 years and never made a claim so when these online comparisons say years no claim bonus can I put 18 years?. The reason for asking is someone said it's up to the insurer you are with but surely if I haven't claimed I should put 18 years.
Page 1
    • Quentin
    • By Quentin 6th Sep 17, 6:23 PM
    • 32,808 Posts
    • 16,840 Thanks
    Quentin
    • #2
    • 6th Sep 17, 6:23 PM
    • #2
    • 6th Sep 17, 6:23 PM
    You don't get NCD for a claim free driving career

    Insurers only usually want your claims history over the last 5 years


    Put what you can prove as far as your NCD is concerned
    Last edited by Quentin; 06-09-2017 at 6:26 PM.
    • dexterwolf
    • By dexterwolf 6th Sep 17, 6:41 PM
    • 310 Posts
    • 53 Thanks
    dexterwolf
    • #3
    • 6th Sep 17, 6:41 PM
    • #3
    • 6th Sep 17, 6:41 PM
    So if I have been driving 18 years with no claims I would just put 18 years surely?. Otherwise how could they prove otherwise if they checked over last 18 years then they would see I haven't made a claim. I am doing a comparison and it says how many years Ncb or no claims .
    • SeduLOUs
    • By SeduLOUs 6th Sep 17, 6:41 PM
    • 2,073 Posts
    • 2,460 Thanks
    SeduLOUs
    • #4
    • 6th Sep 17, 6:41 PM
    • #4
    • 6th Sep 17, 6:41 PM
    Whatever you state your no claims amount is you will be asked to prove by sending a statement or letter confirming it from your previous insurer.

    When you fail to provide the proof, they will bump your premium to the value it should have been for zero NCD.
    • rs65
    • By rs65 6th Sep 17, 6:52 PM
    • 5,227 Posts
    • 2,483 Thanks
    rs65
    • #5
    • 6th Sep 17, 6:52 PM
    • #5
    • 6th Sep 17, 6:52 PM
    Otherwise how could they prove otherwise if they checked over last 18 years then they would see I haven't made a claim. I am doing a comparison and it says how many years Ncb or no claims .
    Originally posted by dexterwolf
    They will ask you to prove how many years NCB you have proof of.

    How many years does your renewal notice show?
    • dunstonh
    • By dunstonh 6th Sep 17, 7:11 PM
    • 89,521 Posts
    • 54,969 Thanks
    dunstonh
    • #6
    • 6th Sep 17, 7:11 PM
    • #6
    • 6th Sep 17, 7:11 PM
    If you keep copies of your renewal history, you will have a good audit trail to prove the 18 years. If you dont have the proof, you may be limited to just what your current insurer is willing to confirm as your NCD.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • glentoran99
    • By glentoran99 6th Sep 17, 7:14 PM
    • 4,602 Posts
    • 3,601 Thanks
    glentoran99
    • #7
    • 6th Sep 17, 7:14 PM
    • #7
    • 6th Sep 17, 7:14 PM
    it doesn't really matter no insurer will recognise 18 yeas as NCD, there is a max,
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