Car Insurance - why so complicated?

springiness

I don't know what to do.

Every year I search for cheaper car insurance and change companies - never have any problems.

This year found a new insurer and completed forms and paid online. At that point they asked for proof of my no claims discount.

My renewal letter for this year has no information about NCD so I emailed a copy last year's insurance documents.

The new insurer has emailed me to say I can't protect my NCD because I don't meet the criteria.

I don't want to protect my NCD and haven't asked for protection. I just sent proof that I have NCD as requested.

I've realised I don't understand NCD at all. What should I do now?

Should I cancel this policy and look for something else?

Quentin

Last year's documents are irrelevant. You have had 12 month's to make claims since they were produced.

Cancellation is your decision, but most insurers require proof of NCB, otherwise there is an extra charge levied, or worse, the insurance is withdrawn.

springiness

Thanks Quentin.

I'll have to redo some quotes with 0 NCD then.

olly300

springiness wrote: »

I've realised I don't understand NCD at all. What should I do now?

Contact your old insurer in writing and ask for proof of having "No claims" in the last 12 month period and get them to state how many years of "No Claims" you have.

springiness wrote: »

Should I cancel this policy and look for something else?

If you cancel you will be charged an admin fee and if your new insurance has started, they will also deduct costs from that.

Also most insurers are now asking for proof of "no claims" so cancelling and going elsewhere won't help you.

springiness

olly300 wrote: »

Contact your old insurer in writing and ask for proof of having "No claims" in the last 12 month period.

If you cancel you will be charged an admin fee and if your new insurance has started, they will also deduct costs from that.

I expect I'll be charged for my old insurer giving proof of having no claims over the last 12 months.

Even if they give me written proof for the last 12 months it won't cover the previous 5 years (which isn't acceptable).

Quentin

Are you sure there is no mention of your NCB on the renewal letter (is it from your broker or your insurer)?

All insurers are aware of the need to provide this proof on the renewal documents, or face unnecessary admin ealing with queries.

If your renewal came from a broker, then ask them to get you proof from the insurer.

If it is from the insurer, then a request to supply your total NCD earned at the date of renewal should do the trick.

Don't give up - max NCB is too valuable to just let go!

olly300

OP if you have problems reading and understanding documents get someone else to help you like a friend, family member or a colleague.

springiness

It has only my name, address, car, date my cover ran out and the renewal price.

They do claim to have written to me before:

"We recently wrote to you about renewing your insurance with us...."

But I didn't receive anything, I'm quite organised with the date in my diary so I wasn't worried that I'd not received it.

I'll try writing to them.