How To Prove My No Claims

junkie_ball

Hi,

Its that time of year again when i need to renew my insurance. Last years renewal from Privilege cam through stating i only had 6 years no claims. I phoned up and complained as it should have been 9 or 10 years. They said they had corrected it so i let it rest and stupidly never asked for another renewal notice as i intended to stay with them.

This year has come through saying i only have 7 years i have contacted them and asked what is going on. They have said my previous insurer only provided 5 years when i originally took my policy out. This was somewhat of a surprise to me as i have been driving for 10 years without an acident. I originally purchased the privilege policy via their website and would have said i had 8 years at the time although they never contacted me to say my previous provider would not confirm this which i would of expected (am i correct?).

Privilege have told me i would need to contact my previous insurer to find out why they only confirmed 5 years rather than the 8 they should have. The problem comes now as i can not remember which insurer it was and privilege says they can't see on their system who the insurer was. Any ideas what i can do?

lisyloo

Many insurers only provide 5, this is their maximum, it's quite common.
The difference is minimal.
There is no database so you need to keep our own records.

One place you might find who it was is by checking your bank statements to see who you paid.
But it's probably still their policy only to provide 5.

shudder

Most insurers consider 4 years as maximum NCD (60%) with some applying slightly higher discounts if you have 5/6 years (60-75%). However the discounts only have any significant impact on the insurers pricing structure in the first place. One may only give 60% discount and quote £400 and another could give a 75% discount and quote £450, it is generally a marketing ploy to look like they are offering you something better.

IMHO I wouldn't bother arguing about it as anything between 6-10 is going to have no bearing.

junkie_ball

shudder wrote: »

Most insurers consider 4 years as maximum NCD (60%) with some applying slightly higher discounts if you have 5/6 years (60-75%). However the discounts only have any significant impact on the insurers pricing structure in the first place. One may only give 60% discount and quote £400 and another could give a 75% discount and quote £450, it is generally a marketing ploy to look like they are offering you something better.

IMHO I wouldn't bother arguing about it as anything between 6-10 is going to have no bearing.

Thanks for the replies. Never thought of checking my bank statements for my previous insurer good idea.

The difference between putting 7 year ncd discount and 10 years on a insurers website was about 80 pounds. This is quite a saving in my opinion if trying to prove my ncd isnt too difficult.

junkie_ball

Own records will be kept from now on as the saying goes once caught twice shy. :-(

darich

I was recently told by RAC insurance that many companies offer NCD up to 9 years and if claimed, it must be proven.
I had to do so because my previous insurer (Direct Line) sent my renewal with their maximum of 6 shown. I had to get them to write me a letter stating I had 15 when I joined Direct Line and in my 2 years with them has no claims therefore giving me 17. This letter was sent to RAC who accepted it. Without that letter I was told the policy premium would be amended - by £2.17 (if I remember correctly).

Not a big deal paying it, but it would have been on record that I had declared something then not proven it and I'd have lost the previous years even if they don't reduce the premium.