Not driven for 2yrs, No Claims Discount still valid

yorkyrich

Having not driven in the UK for the past 2yrs I rung the Insurance company I used up to 2yrs ago and asked if I still qualified for full no claims discount as I always paid for protected ncd. They said 'yes' as the protection is for upto 3yrs.
I had been told previously that because of the break I would have to start afresh with zero ncd.

If the later is true can I hold them to the statement they gave me over the phone that I would receive my ncd?

Any help appreciated.

Rich

shelly

I would call them back and ask them to send you proof of the full protected NCB you have. You might need it anyway to send to your new co when taking out a policy.

lisyloo

I had been told previously that because of the break I would have to start afresh with zero ncd.

It's different rules for different companies.
A lot of companies won't accept NCD that's more that 2 years old., but perhaps yours will, in which case it might be worth staying with them.

If the later is true can I hold them to the statement they gave me over the phone that I would receive my ncd?

The bottom line is that if the person you spoke to made a mistake over the phone then no you cannot legally hold them to it.
However they may do something as a "gesture of goodwill".
Do you know who you spoke to - name, date, time?
Often helps in these kind of situations.
I always now keep these details if it's anything significant and ask them to put it on my notes as well.
Phone calls might be recorded so the time and date helps but ultimately they are not bound by it if someone made a mistake.

It's possible it's not a mistake, some companies do accept NCD that's older, in which case it may well be worth sticking with them.

yorkyrich

Thankyou for your prompt reply

The company I'm talking about (DL) is the one I last used and will be using to take out my new insurance.

I did take the advisor's name and the time/date so could refer back to that.

What he suggested was to proceed with the policy on-line and tick the box saying I have ncd, then I should receive a call asking for proof, at which point I should explain the situation again and they will find my details on their system.

All sounds a bit of a 'closing door after horse has bolted' scenario.

I'm now wondering whether, for my peace of mind, to ask them for proof of any protected ncd as suggested by Shelly.

Thanks again

Rich

zkw29

DL will accept NCD from up to 2 years ago from other companies and up to 3 years if the last policy was with them. Its fine.

If you're still worried get the quote over the phone and ask them to check from your old policy what they'll give you, and set it up over the phone.

yorkyrich

Many thanks for the replies.

Great forum :T

Rich

hollydays

Whats the maximum for most companies?

lisyloo

Two years for most, but I think there are some that go up to four (can't remember who you'd have to search as it was mentioned on this forum).

katmad

How do I start a new thread?

Thanks.

pvt

OH and I used to have 2 cars for many years, then decided to manage with just one. After a break of 8 years we decided to get a second car again, and started to ring around for a policy. To my surprise, a number of companies offered good introductory rates, but Tesco offered a FULL 5 years NCB on the basis that I was a named driver on my OH's continuous policy. There were restrictions - 8,000 miles and no business use - but it just meant we had to be careful about which car we used for what.

One year later, when I came to renew, Tesco provided a renewal notice clearly stating that there was 5 years NCD, so I was able to then use that to shop around.

pvt

Quentin

MoreTh>n only allow you to bring NCB that has not been used for up to 12 months.