'5 years or more' on proof of no claims, but I have 7 years

jamesdrew

Most insurance companies use a maximum of 5 years NCD. If your insurer is saying you need to provide more than this then go elsewhere. Do you really keep any records for anything more than 5 years? I know I don't ! Good luck . . .

Insurance_Man

I take it that they will only double the premium if you do not supply any evidence at all. I would suggest that you speak to Aviva and speak to the Customer Service Department. They should either issue you a letter confirming the correct number of years NCD or they should give you a copy of the document that you sent in last year - they should have this in their Archive Department.

stormCat99

Oh wow, just seen all these responses. For some reason the email notification hasn't kicked in to tell me anyone has replied since my last post. So apologies for not getting back earlier.

Well I've done as suggested, and sent A&L my proof of no claims from my previous insurer, and also have managed to get hold of one from my "previous previous" insurer. Sent it first class recorded today with a covering note, so I will hopefully find out this week whether that is ok.

I can understand an insurer saying they don't do any more discount if you have more than 5 years, that's fine. But they should still properly keep track of how many years you have otherwise you can lose out.

For example, say you had 7 years no claims and the insurer doesn't give any additional discount after 5 years. Say you then lose 2 years no claims due to an accident. If the insurer has properly kept track of your total, then they will now reduce you to 5 years no claims (so you are still on their maximum discount rate), whereas if they only ever count you as having had 5 years to start with, you will now be reduced to 3 years (a much lesser discount). Iyswim? It just seems very unfair that people with many years of no claims, are treated the same as those with 5 years.

stormCat99

cjgoodsell wrote: »

Even tho some companies maximum is 5 years they are happy to confirm to your new inusrer how many years you went to them with and how many claim free years u have had with them and put them together..

You best bet is get A&L to call them tell them you went ot aviva with 6 years stayed with them 1 year should be on 7 then when they call aviva to confirm you ncd they can say what you told them and 99.9% they will confirm it!

We did initially try to get A&L to call Aviva but they wouldn't, and trying the other way round, well Aviva were less than helpful I have to say.

Quote

Who are A&L?

Quentin

boots_babe wrote: »

For example, say you had 7 years no claims and the insurer doesn't give any additional discount after 5 years. Say you then lose 2 years no claims due to an accident. If the insurer has properly kept track of your total, then they will now reduce you to 5 years no claims (so you are still on their maximum discount rate), whereas if they only ever count you as having had 5 years to start with, you will now be reduced to 3 years (a much lesser discount). Iyswim? It just seems very unfair that people with many years of no claims, are treated the same as those with 5 years.

As already posted, (#7), you only get 5 years maximum as the starting point when "losing" bonus should you make a claim irrespective of how many claim free years you actually have.

eg. Say you have 7 years (or 17 years - or 5 years) and make a claim, you go down to 3 years at renewal.

cajef

Quote wrote: »

Who are A&L?

Presumably Alliance & Leicester, from their website they appear to do car insurance.

shelly

boots_babe wrote: »

It just seems very unfair that people with many years of no claims, are treated the same as those with 5 years.

You aren't treated exactly the same if you pay to protect your NCB once you get to max.

Quentin

shelly wrote: »

You aren't treated exactly the same if you pay to protect your NCB once you get to max.

You are!

The principle is exactly the same.

The protection still only covers up to 5 years max - and if you use up your "strikes", then your NCD goes down the scale from the max level you have earned (ie up to 5 years), not the total number of years you have driven without making a claim.

thepearce

Insurance_Man wrote: »

I take it that they will only double the premium if you do not supply any evidence at all. I would suggest that you speak to Aviva and speak to the Customer Service Department. They should either issue you a letter confirming the correct number of years NCD or they should give you a copy of the document that you sent in last year - they should have this in their Archive Department.

I had similar problems and the insurer I was leaving wrote a letter confirming that when my policy started I came with X years NCD. (which was more than their max of 5 yesrs).