Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 5:38 PM
    • 1,400Posts
    • 3,854Thanks
    no.1swimmum
    Puzzling letter from Ford Insure
    • #1
    • 9th Sep 17, 5:38 PM
    Puzzling letter from Ford Insure 9th Sep 17 at 5:38 PM
    I was lucky enough to get a new ford car last weekend and we decided to go with Ford Insure for the insurance. I emailed through to them proof of my No Claims Discount which is stated as Maximum.

    I have just arrived home from a day out to a letter from Ford Insure asking me to call them asap and saying " we have now received confirmation of your No Claims Discount (NCD). However the details provided do not meet our minimum criteria and we are unable to accept this"

    I am unable to contact them now as they are closed until 8am on Monday, but I am puzzled by how this cannot meet their criteria on the letter emailed through to them from my previous insurer it says - Your No Claims Discount Entitlement: Maximum.

    I am stressing now that they are going to cancel the policy.

    Does anyone have any idea why this does not meet their minimum criteria, I have looked at their terms and can't find anything that may apply.

    Thank you

Page 1
    • sheramber
    • By sheramber 9th Sep 17, 6:00 PM
    • 3,578 Posts
    • 2,659 Thanks
    sheramber
    • #2
    • 9th Sep 17, 6:00 PM
    • #2
    • 9th Sep 17, 6:00 PM
    What is the maximum?

    Different companies show use different amounts.

    E'g my husband had 9 years when he transferred to company A. When he moved to company B the next year his NCB from company A was shown as 6 years as that was the maximum for them.
    When he queried it they were prepared to issue a letter confirming that he had 9 years when he joined them which company B accepted and credited him with.
    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 6:05 PM
    • 1,400 Posts
    • 3,854 Thanks
    no.1swimmum
    • #3
    • 9th Sep 17, 6:05 PM
    • #3
    • 9th Sep 17, 6:05 PM
    its 9 years which is what I told them on the phone when arranging the insurance, they asked me if it was 9 years or over 9 years and as I couldn't remember I said go with 9 years and they were OK with that!

    I really don't understand why they didn't ring me about this they have my number so I could have sorted it out on the phone, not stress about it until monday

    • rudekid48
    • By rudekid48 9th Sep 17, 6:18 PM
    • 2,018 Posts
    • 3,502 Thanks
    rudekid48
    • #4
    • 9th Sep 17, 6:18 PM
    • #4
    • 9th Sep 17, 6:18 PM
    Is the NCB from a U.K. Insurer? In your name (as policyholder)? Is the letter less than 2 years old? Is it a renewal notice?
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • Quentin
    • By Quentin 9th Sep 17, 6:20 PM
    • 32,809 Posts
    • 16,840 Thanks
    Quentin
    • #5
    • 9th Sep 17, 6:20 PM
    • #5
    • 9th Sep 17, 6:20 PM
    It's the use of the word "maximum"

    Do you have any other recent document from your previous insurer stating X years which is what is needed.

    If not ask your previous insurer to send a proper proof to you ASAP. They will know this one you have is no good
    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 6:23 PM
    • 1,400 Posts
    • 3,854 Thanks
    no.1swimmum
    • #6
    • 9th Sep 17, 6:23 PM
    • #6
    • 9th Sep 17, 6:23 PM
    Yes from a UK insurer and it was the proof of no claims sent through to me by my old company on 4th September.

    To make things worse I have just checked with askMID and the car is not insured. I am really panicking now, what do I do.

    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 6:34 PM
    • 1,400 Posts
    • 3,854 Thanks
    no.1swimmum
    • #7
    • 9th Sep 17, 6:34 PM
    • #7
    • 9th Sep 17, 6:34 PM
    Thanks Quentin I can contact them tomorrow for that, but have just checked askMID and it says the car is not insured. I can't get hold of ford insure until Monday, the letter says that if they haven't heard from me within 7 days of the date of the letter they would cancel the policy. The letter is dated 6th Sept so in theory I have until the 12/13th to contact them but it shows car is not insured.

    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 6:43 PM
    • 1,400 Posts
    • 3,854 Thanks
    no.1swimmum
    • #8
    • 9th Sep 17, 6:43 PM
    • #8
    • 9th Sep 17, 6:43 PM
    as the vechile is showing not insured should I take out temporary short term cover for the next 2 days, I don't want to take a chance - I can get this for £60 to last until Monday.

    • Quentin
    • By Quentin 9th Sep 17, 6:45 PM
    • 32,809 Posts
    • 16,840 Thanks
    Quentin
    • #9
    • 9th Sep 17, 6:45 PM
    • #9
    • 9th Sep 17, 6:45 PM
    The database probably hasn't been updated to reflect the policy start date.

    They won't cancel till the stated date.

    Keep your certificate with you in case you get pulled over. If you do don't mention this current issue to the police!
    • no.1swimmum
    • By no.1swimmum 9th Sep 17, 6:52 PM
    • 1,400 Posts
    • 3,854 Thanks
    no.1swimmum
    Thank you Quentin, I was panicking just a little bit there.

    I have printed of a copy of certificate and will keep this with me.

Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

301Posts Today

2,684Users online

Martin's Twitter
  • RT @iiSteveJonesii: @MartinSLewis After watching you talk this morning about me burning £300 I got on a comparison site tonight & sure enou?

  • In or near York? This Wed the @itvmlshow Roadshow" will be at the York Food & Drink Festival - do come and say hi; St Sampsons Square 11-4.

  • It's the subtle poetry and lyricism of tweets like this that I find so endearing https://t.co/XhSKBCGyXe

  • Follow Martin