no claim discount from Aviva?

TotallyInzane

scotsman4th wrote: »

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.

Very true!

Will follow the suggestion & contact them to confirm. Better to be safe rather than sorry - as I've already found out to my detriment in the past!

sam1970

lambo28 wrote: »

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

Thanks alot for your advice. Surly this cant be right. they are forcing customer to accept their renewal quotes by making moving to another insurer more expensive. I think that I will be making a formal complaint and if they do not respond I will take it to the financial ombudsman

redped

I'm not sure what your complaint will be. The companies offer a percentage discount based on how long it is since you had a claim, with this percentage being capped in/around 65% depending on the company. So if you have 6 years NCD or 12 years NCD, you'll still be offered the 65% discount.

Some basic info here: http://www.expertcardirectory.co.uk/car-insurance-no-claim-discount.htm

How are the insurance companies making it more expensive to move to another company? If you think of it in terms of a percentage discount, then there has to be a limit somewhere. Otherwise, someone with 20 years NCD would be getting about 95% discount - at what level of NCD would you have the discount at 100%? These companies exist to make money - they don't have to offer a discount at all, but only do so to try to appear competitive.

Anyway, if you really want to you can keep a copy of the 11 years NCD letter, and in a year's time (assuming you don't make a claim) you can use that, plus the renewal letter from Aviva that will say 5 years NCD, to argue that you haven't had a claim for 12 years. It'll be immaterial as your new company will have it's own limit (be it 5 or 6 years) anyway, and you will get the maximum percentage NCD available.

sam1970

redped wrote: »

I'm not sure what your complaint will be. The companies offer a percentage discount based on how long it is since you had a claim, with this percentage being capped in/around 65% depending on the company. So if you have 6 years NCD or 12 years NCD, you'll still be offered the 65% discount.

Some basic info here: http://www.expertcardirectory.co.uk/car-insurance-no-claim-discount.htm

How are the insurance companies making it more expensive to move to another company? If you think of it in terms of a percentage discount, then there has to be a limit somewhere. Otherwise, someone with 20 years NCD would be getting about 95% discount - at what level of NCD would you have the discount at 100%? These companies exist to make money - they don't have to offer a discount at all, but only do so to try to appear competitive.

Anyway, if you really want to you can keep a copy of the 11 years NCD letter, and in a year's time (assuming you don't make a claim) you can use that, plus the renewal letter from Aviva that will say 5 years NCD, to argue that you haven't had a claim for 12 years. It'll be immaterial as your new company will have it's own limit (be it 5 or 6 years) anyway, and you will get the maximum percentage NCD available.

thank you for your reply. I take your point but can you tell me why when I apply online for a new policy, the company asks about how many years of NCD you have and the number you need to choose starts from 1 year and goes sometimes up to 15 years!!!why dont they say more than 5 years as their maximum??

redped

Don't know the answer to that one. I renewed my car insurance in January, so can't remember exactly what the various websites were like. I'm sure some of the websites just give the options 1 ... 6+, so I assume a limit of more than that is down to individual companies, who you'd need to ask separately.

soup

axa have 9 years as their maximum. Always keep your renewal offers as your policy comes to an end each year, they have the ncd on them. This paper trail can be used later down the line to show year after year of ncd.

soup

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?

I had this with company called ibuyeco insurance. They said we dont need to see your nc proof, but we will if you make a claim.

TotallyInzane

Thanks Soup - I'm going to give them a ring as well just to clarify the situation, as prefer to know exactly, rather than getting caught out later!

Will let you all know what they say . . .

pitkin2020

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?

Some do some don't. My last insurers contacted the previous insurers to confirm the NCB entitlement. This years insurers have said they won't BUT I also don't need to send in my proof of my NCB, they are taking my word for it. Another BUT, if I make a claim I will need to prove my NCB at the time of the claim. Seems a stupid way of doing it but i'm not too bothered as I have my proof of NCB anyway.

mcjordi

Simple.. keep a copy of the renewal showing 11 years... and a copy of aviva's showing no claims in that year..

tell new company the situation and supply both ncb proofs...