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NCD advice
hewhoisnotintheknow
Posts: 3,162 Forumite
in Motoring
Took out a new car insurance policy with company X in August. Company X asked me who my previous insurer was for my policy, i told them it was company Y and heard no more
Today i rang up company X to make a small enquiry, they sorted that out and then told me i had still not sent them the proof, i explained what happened and they said it must of been some mixup and i gave them my previous policy number so that they could check my previous NCD (10 years)
They email me back telling me it is only 6 (which its not, its 10), so i get on the blower to the old company and they also tell me its 6
Its not 6, its definitely 10, as ive never had an accident, etc
Looking at my old policy document from company Y it says i have a maximum no claims discount
Is this earnt when you get to 6 years?
The new company want more money if I cant proove the 10!
HELP!
Today i rang up company X to make a small enquiry, they sorted that out and then told me i had still not sent them the proof, i explained what happened and they said it must of been some mixup and i gave them my previous policy number so that they could check my previous NCD (10 years)
They email me back telling me it is only 6 (which its not, its 10), so i get on the blower to the old company and they also tell me its 6
Its not 6, its definitely 10, as ive never had an accident, etc
Looking at my old policy document from company Y it says i have a maximum no claims discount
Is this earnt when you get to 6 years?
The new company want more money if I cant proove the 10!
HELP!
0
Comments
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Post Office? Is that the new insurer?
I had similar issue a couple of years ago. Current insurer only said 6 years as that was the max they offer, new insurer wanted proof of 9 years.
I cancelled and went elsewhere
"Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
Post Office? Is that the new insurer?
I had similar issue a couple of years ago. Current insurer only said 6 years as that was the max they offer, new insurer wanted proof of 9 years.
I cancelled and went elsewhere
No its not, but its a total swizz if the max they will report is 6!0 -
Yeah, I know.
The Post Office car insurance is provided by BISL Limited, who also trade, or provide administration, under a host of other names e.g. Budget Insurance, Dial Direct, Bennetts, comparethemarket.com, Quotemart, yesinsurance, myquote ...etc.
HSBC & Barclays also use them
A nightmare trying to avoid them"Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
yeah, im really angry, drive for 9 years, 9 years no claims earnt, goto morethan and after a year i end up with 6!
The new company now want more money
0 -
Yeah, it was MoreThan that I left too.
Only because PO offered a cheaper price with a £50 off voucher I had.
By the time I tried to go back to MoreThan, they'd increased the asking premium, new calendar month or some such nonsense "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
Officer_Dibble wrote: »Either get the proof, pay the extra or take out a new policy before they void the insurance leaving you high and dry.
thats it, im asking how do i get the proof, if i could do that i wouldnt be asking here!0 -
Officer_Dibble wrote: »Previous insurers?
Before the last knobs.
yeah thats my next plan, but trying to remember who i was with could be tricky!0 -
Presumably your current insurers will know how much no claims you had when you started with them, they should also confirm that you've not made a claim in the entire time you've been with them, hence X + Y = number of claim free years....
I get round this by having a fifteen years worth of renewal statements listing my no claims going up and then stopping at 9 for the last five years or so....0 -
Presumably your current insurers will know how much no claims you had when you started with them, they should also confirm that you've not made a claim in the entire time you've been with them, hence X + Y = number of claim free years....
I get round this by having a fifteen years worth of renewal statements listing my no claims going up and then stopping at 9 for the last five years or so....
thats the exact problem, they are randomly asking me for the proof, 6 months into the policy0 -
When I was working for a well known car insurance company (this was a couple of years back), the maximum no claims discount you could get was at 5 or 6 years I believe. For this instance, let's say 6. Even if you actually had 10 years NC, if you had an accident it would drop down to 4 because they wouldn't take into account how many years you had, you would just be given the maximum.
I remember you could actually put in up to 9 years but you only got the discount up to 6 so you wont be missing out on any discount there.
I always use to think that it was a little unfair that if you had, say, no accidents or claims for 20 years you would drop down to 4 after just one but alas, that was the case.
I'm pretty sure that is still how it works.
Crap I know.0
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