Do I lose 4 years NCB when changing car insurers

Bellabooboo_2

Car Insurance is due for renewal so I have been trying to find the best offers. I have been with the AA for a long time and have earned the full 9 years no claims bonus NCB :j

Having recieved much better (often half the price of The AA) renewal premium offers, I have a dilema. All of the cheaper companies will only protect 5 years NCB as full discount. Having clarified this with them, I eventually found out (after the twisting sales speak) that :-
- I get better offers for my current full 9 years than if I were said to have only 5 years as maximum.
- If I insured with the new company and then next year needed proof of NCB, then I could provide their evidence together with that of the previous insurer, The AA, to my then new company.
- However, were I to make a fault claim and lose, lets say 2 years ncb, then my proof of NCB will only be 3 years, essentially a reduction of my hard earned 9 years. So I ve entered the policy having 9 years and leaving after a claim with 3 years (no matter how minor).:mad:

Can this really be true as, to me, it sounds a bit like daylight robbery?

If it is true, then do people know of any companies who honour the traditional 9 year ncb protection?
- so far i have only found Liverpool Victoria (too pricey quote)

Any help appreciated.
(Unsure where to actually post this thread - so have also entered into your insurance forum - please remove, if necessary, whichever is less appropriate)

neilmcl

LV for one accepts 9+ years NCB and they're pretty cheap. I've encountered this before but have always managed to persuade the insurer to provide something in writing showing the true amount of NCB, rather than just 5+ years. Also, surely with a full NCB record you should have them protected, in which case you wouldn't be losing any discount if making claim.

Bellabooboo_2

Thanks for the reply.

I did make a claim 2 years ago whilst my NCB was protected. This together with getting 2 lots of SP30 s giving 6 penalty points means the new insurers are not offering to protect the NCB.

PS - LV (Liverpool Victoria) did quote much higher than the AA (unusually) so I don t think they are an option. Anyone know of other companies that will offer (or hopefully protect) 9 years NCB?

aqueoushumour01

if you can't get a cheaper quote you can at least get a bit of cashback by going through a cashback site

dzug1

Bellabooboo wrote: »

If it is true, then do people know of any companies who honour the traditional 9 year ncb protection?
- so far i have only found Liverpool Victoria (too pricey quote)

Any help appreciated.
(Unsure where to actually post this thread - so have also entered into your insurance forum - please remove, if necessary, whichever is less appropriate)

There is no such thing as a 'traditional 9 year ncb protection'

What's 'traditional' is actually 5 years.

A few companies (LV among them) started offering longer ncb periods some years back in an effort to retain customers. Most of the market, as you have found, hasn't followed suit.

The additional years (over 5) actually only get you a very small extra NCB in percentage terms.