Help with Car Insurance No Claims

lee10_2

Hi,

Im verrrry confused and frustrated regarding how many no claims ive got and how many im supposed to have. Despite trying to describe this to Admiral i cant get a straight response from the kind of english speaking staff.

Heres the timeline of events:

I pass my test in 98 and drive a peugeot claim free for years.
In July 06 i buy a second car, a Volvo. Im told by the insurance company that i need a second insurance to cover this with its own no claims. No problem.
I continue to drive both cars without fault.
In May 08 my wife passes her driving test and i add her as a named driver on both cars under my policy.
In July 08 she crashed and the car was a write off. We recieved £1200 from the insurance company.
In late July 08 we purchased a Skoda now deciding to put this insurance in my wifes name with me as named driver.

We have been told that I have lost 2 years no claims due to the accident.

Somehow (and for the life of me i cant understand why) the are telling my wife (who i dont blame for any of this dont get me wrong) that she has 3 years NCB, and i have 1 year.

Ermmmm?!??! Ive over 10 years faultless driving (actually 12 accumulated years) and i now have 1 year NCB?!?! and my wife (who i love dearly) hasnt been driving for a year yet has 3 years NCB!

Factored somehow into this is a maximum of 5 years NCB with admiral insurance.

Like i say, something somewhere has gone seriously wrong. My wife is getting a new (old) car tomorrow (last one failed MOT, more expense!!!) so i want to make sure that the insurance is watertight. Im going to write a letter, but i need to know whats going off for my own sanity.


Thanks

Lee

missile

I hope this is not a wind-up?

Your best and cheapest option may be to get a multi-car policy?

lee10_2

Hi,

Nope! Not a wind up, a genuine problem. Can anyone shed any light while im waiting for the insurance co. to explain themselves?

Thanks

Lee

Quentin

You are confusing your 12 years without a claim as 12 years NCB.

The max is 5 years. You made one claim, so should have gone down to 3 years.

If you only are shown as having one, then if you are right (and only have one claim), they have made a mistake.

It seems that your wife (who seemingly hasn't earned any ncb) has somehow been given 3 years to which she's not entitled. Get it sorted, as the insurance policy may be in jeopardy if somehow the wrong info was given when the policy was taken out.