Proof of No Claims

Fonz_2

Hi All,

Does anybody know what my situation is likely to be with regards to proof of no claims in this scenario.

From 2001 - 2006 I owned and insured my own car and built up a no claims bonus. From 2006 - 2008 I was a named driver on my partner's car, I then had a company car for 6 months, and finally went back to being a named driver on my partners car.

I'm now in a position where I'm considering my own car again but appreciate my NCB history is going to be somewhat hard to verify. Are Insurers likely to confirm driving history in writing on request?

Thanks

dzug1

Fonz wrote: »

Hi All,

Does anybody know what my situation is likely to be with regards to proof of no claims in this scenario.

From 2001 - 2006 I owned and insured my own car and built up a no claims bonus. From 2006 - 2008 I was a named driver on my partner's car, I then had a company car for 6 months, and finally went back to being a named driver on my partners car.

I'm now in a position where I'm considering my own car again but appreciate my NCB history is going to be somewhat hard to verify. Are Insurers likely to confirm driving history in writing on request?

Thanks

Most companies (there may be exceptions) will not accept that you have an NCB at all as it 'expires' after 2, maybe 3 years of non use.

wazza

If not used the NCB expires after 2 years :-(

If you can get a letter from your partner's and company car insurance stating that you had made no claims it may help. Try insuring your car with the same company your partner uses, if you state you were a named driver with them it may help.

Good luck

ayayay

Whilst of no use to you now, what you should have done is insure your partners car in your name for one of the years to keep your ncb.
My partner and I both have full no claims but only one car. Every year we swap who the insures is and it enables us both to maintain the ncb.

Mark_Hewitt

Direct Line are wanting me to send them proof of my 5 years no claims. I've gotten the certificate from More Than (my previous insurers) but it just says "No claims bonus entitlement: Maximum"

Quentin

wazza wrote: »

If not used the NCB expires after 2 years :-(

Not so.

There is no rule regarding this.

You can find companies taking "older" NCB (eg Aviva - 3 years "old"), and others only taking more recent (eg Morethan - 1 year old.)

A broker will know which to consider.

mikey72

Use a broker rather than direct, I use our local Swinton, very helpful, they do all the phoning and chasing, and they still work out as cheap in most cases.

Quentin

The moneysaving way is often not to use a broker.

eg If you use Swinton online via Quidco you currently get £40 cashback from Quidco (plus a further £40 cashback from Swinton using a code found on their website).

Other cashbacks available direct from insurers sites via quidco (eg £75 from morethan) which you don't get if you go through a Broker.

mikey72

If you can deal online, and find a box to tick to cover the OP's NCB, you'll be doing well. If you already have proof of NCB they are a better option in that case. If not the broker can deal with it, and next year use an online company if you want to.

dan_essex

Ok,

Strictly speaking, there is no ‘rule’ to this. But....

Most insurance companies will not recognise a NCB over 2 years old. Some (a small minority) do, but the majority will tell you that your no claims has expired. Would be worth shopping around tho as i've heard of the odd company accepting a NCB after 3 years.