no claim discount from Aviva?

sam1970

I insured my car with Aviva last year and I supplied them with 11 years NCD proof from my previous insurer. Now it is time to find a cheaper cover and Aviva are saying they will only supply me with NCD proof for 5 years as this is the maximum they do!!! Can this be right? I dont want to lose all the NCD years I accumulated.

s_b

i thought it was 6 but yes this is now industry standard

sam1970

so when i apply for a new policy on line...how many years NCD should I declare? Obviously 12 years will sound better than 5 but what will happen when Aviva gives me a proof for 5 years only?

TotallyInzane

sam1970 wrote: »

I insured my car with Aviva last year and I supplied them with 11 years NCD proof from my previous insurer. Now it is time to find a cheaper cover and Aviva are saying they will only supply me with NCD proof for 5 years as this is the maximum they do!!! Can this be right? I dont want to lose all the NCD years I accumulated.

Slightly off topic but I insured my car via Aviva a couple of months ago & they didn't/haven't asked for any proof of NCD - is this because it can be confirmed electronically by Aviva themselves or has someone just missed something in they're procedure?

redped

sam1970 wrote: »

so when i apply for a new policy on line...how many years NCD should I declare? Obviously 12 years will sound better than 5 but what will happen when Aviva gives me a proof for 5 years only?

Often the websites have the maximum value as 6+ years, so that shouldn't be a problem.

Anyway, it won't usually make a difference if you have 6 years or 12 years NCD - the insurance company will still give you their maximum NCD.

redped

TotallyInzane wrote: »

Slightly off topic but I insured my car via Aviva a couple of months ago & they didn't/haven't asked for any proof of NCD - is this because it can be confirmed electronically by Aviva themselves or has someone just missed something in they're procedure?

If you told Aviva who your previous insurance company was, then I assume Aviva will have contacted them automatically.

TotallyInzane

redped wrote: »

If you told Aviva who your previous insurance company was, then I assume Aviva will have contacted them automatically.

I can't honestly remember & considering I haven't heard anything from them, them all I can do is assume that is correct. As that is what my initial thoughts had been.

Thanks redped

lambo28

Hi Sam,

Please be warned, I had the exact same issue with Aviva. They would only confirm five years or more but when I applied for new insurance (at Direct Line), I declared I had 11 years NCB. However, I had issues at Direct Line as the evidence given by Aviva (5 years or more) was not sufficient (they wanted to see 11 years - grrhh). When the representative at Direct Line called up Aviva, they would only confirm 5 years...nothing more.

So I would say, if you have any issues with proof of NCB, go back to the insurance company you were with prior to Aviva. I did not have any major issues as I was with Direct Line before Aviva so it 'all added up' according to the representative.

Hope this helps

scheming_gypsy

redped wrote: »

Often the websites have the maximum value as 6+ years, so that shouldn't be a problem.

Anyway, it won't usually make a difference if you have 6 years or 12 years NCD - the insurance company will still give you their maximum NCD.

what happens if you have an accident though? if 6 years is the maximum but you have 12 years, you crash your car and claim which knocks 2 years off... so do you have 10 years or 4 years?

redped

I assume you'd go down to 4 years NCD. Insurance companies talk about maximum NCD, which the maximum they offer, i.e. 6 years. I'm certainly not defending the insurance companies, just saying how I believe they operate.

Rolandtheroadie

TotallyInzane wrote: »

I can't honestly remember & considering I haven't heard anything from them, them all I can do is assume that is correct. As that is what my initial thoughts had been.

Thanks redped

I'd call to check. Assumption is the mother of all !!!!ups.

Save an "Aviva cancelled my insurance" thread and the need to declare a cancelled policy for the forseeable future.