No claims issue

chris_munday

Hi all, I hope I can pick your brains over this.. I'm sure we all find insurance companies this annoying..

Over the last 2 years I've had around 5 policies and have had to keep changing as the prices were ridiculous.
Changing from a provisional license to a full license doubled the price so I changed, I bought a new car and the price again rocketed until I'd had enough and tried to ride my luck by taking out a new policy with Churchill with 1 year's no claims a few months ago.

Long and short of it.. I'm trying to use my last 2 policies that I had for 6/7 months each over the last year as proof of a year's no claims.. After much badgering of my previous 2 companies they've obliged in sending a letter with the dates of when the policy started/ended and that I had no claims in that time.. I've had no reason to claim for any accidents at all whilst I've been driving, just been unlucky with extortionate policy prices..


tl;dr - Can I use 2 policies under a year old each to prove my no claims?

Cheers

lisyloo

Can I use 2 policies under a year old each to prove my no claims?

No sorry.
You only get no claims when you have a full years with a single policy.
You cannot combine policies.
Sorry, but you don't have any no claims.

dacouch

You need to stop cancelling policies as it will be costing you lots of money in admin charges and you are going to pay over the odds on your policies as you are not accruing any no claims bonus

rudekid48

chris_munday wrote: »

I bought a new car and the price again rocketed until I'd had enough and tried to ride my luck by taking out a new policy with Churchill with 1 year's no claims a few months ago.

Oh dear, you may well have ridden your luck too far - expect a nice bill in the post from Churchill for not being able to provide proof of the 1 yr NCB that you told them you had.

Take the advice from Dacouch, it looks like you are a young driver so you will have to take the pain and earn some proper NCB by not cancelling policies all the time.

Incidently, did somebody advise you to keep cancelling policies? If they did, I would ask them to contribute to your upcoming bill and politely ask them to shut the uck fup

chris_munday

Thanks all of you for your input.

rudekid.. I pay for it all myself so I wouldn't have changed it around so much if I was able to afford the premiums, and yeah I already know how much Churchill are going to add haha, it's not 'too' unreasonable though

The whole system is completely flawed though, I think it needs a complete overhaul.. even if I may only be complaining as I've not learned how to beat it just yet haha

dacouch

The no claims discount system is not designed for people to keep cancelling policies and people who cancel policies are not the type of customer Insurers are particularly keen on

lisyloo

I think it needs a complete overhaul.

Think what you want.

They are private businesses and can pretty much do what they want, provided it's within the law.
As you say you need to learn how to work the system and whether you like it onr not, it's based aound 12 month contracts.
The cheapest way is to shop around every 12 months, approx 30 days before your policy expires and make sure you stop the old one from being renewed if it's on auto-renewal (if you don't know then check).
I am always pro-active in this respect and don't have the problems that others seem to have jsut by having a single spreadsheet.