Proving No Claims

4Chickens

We have finally got my 17yo some insurance for his bike and now things are getting complicated.

He has been insured through the same broker since March 2009. He had a policy that ran from March 2009 to Sept 2009 for one bike. When he changed the bike, the underwriter wouldn't insure it so the broker cancelled the policy and found another one that would cover him. That policy runs from Sept 2009 to Sept 2010.

Now he has a different bike again and the new policy he has taken out starts from 19/08/2010 and is with a different broker and underwriter. The new insurers want proof of no claims within 21 days or there will be a further premium to pay.
The old broker says they cannot give proof of no claims until the policy expires on 12 September. Now by my calculations this is 23 days.
Questions:
Does/can the broker give proof of no claims or is it the underwriters of the policy?
Can I persuade/convince the new insurers to give us a couple of days grace?
Any help will be appreciated

Keith

He doesn't have a years NCB yet so can't provide it, what if he has a claim in the next 23 days?

Hintza

Why do yo keep changing bikes? Think you will struggle a bit. From what you say you are using a broker tell him to speak to the relevant companies.

or I have you tried to do it online this time? In which case yopu will struggle.

4Chickens

Thanks for your replies

He keeps changing bikes because he is 17 1/2 years old with the attention span of a fly and I am down to my last pip and would rather not discuss this aspect less the men in the white coats come to get me.


My next bright idea is to cancel the last policy today and hope that the underwriters of the first policy that ran for six months and the underwriters of the second policy that ran for eleven months will provide proof of no claims, that combined, would cover the last 12 months

What do you think? Have a got any hope at all?

gordikin

He has no 'no claims' as he hasn't had a policy that has ran for a complete 12 months

Hintza

I've got one like that, he persuaded his mother that his Grandmother's old Rover 240 was a death trap and he needed a new car and yes he would pay her back for it....................and do you know what she fell for it.

Wind on 5 months and and his 06 plate Punto Sport is knackered (luckily we have persuaded the dealer the car was not fit for purpose and they have offered to replace) and what is he driving now ...........yep the Rover 240.

Ever thought you been taken for a ride OP?

lisyloo

I don't think you can use NCD that only accrues on 12/9 on a policy that starts on 19/8.
I don't think you can do it.
But ask your broker, they are the professional.

You might want to take a look at a company called ebikeinsurance (.co.uk).
They allow you to add/remove bikes on line and if it can all be done automatically they don't usually charge admin fees.

WhiteHorse

The policy is for bike X. If he changes partway to bike Y (which is a higher risk), then the insurer may well consider it to be effectively a new proposal and deem the clock to have restarted.

davemorton

He might just have to get the bus for 20 odd days, until the year is up, and then insure the new bike..

mark5

davemorton wrote: »

He might just have to get the bus for 20 odd days, until the year is up, and then insure the new bike..

Probably the best solution!

abwsco

You've got to love teenagers:rotfl:I'm just trying to sort out something with my daughters car insurance which could have been avoided if she'd asked me a simple question first!