Aviva robbed me of my No Claims Discount

datimms

Hello,

The cheapest quote last time was Aviva, so I went with them. I haven't made a claim, so should now have 6 years NCB, however it turns out that Aviva don't give more than 5 years no claims bonus. My renewal only states 5 years for this reason. In my mind, the scumbags dropped the price on purpose last year, gambling that I won't claim and then I'll be locked to them.

Where do I stand when I get quotes from other insurers that do accept NCB over 5 years? I should be able to say I have 6, surely? If not, it's not fair that Aviva should effectively rob me and tie me to them. I've done quotes with 5 and 6, and I can save £100 with 6 years.

I still have my previous renewal letter saying 5 years. If I give them both, will an insurer take that as proof of 6 years?

dunstonh

There is no defined period for no claims discount. Each provider has their own range. They do give you this information on application though. So, you can see the ones that have longer periods and the ones that have less.

You have not been robbed of it. You still have it. if you now decide to move to a company that has a greater number of years and you need to supply evidence then give them the from Aviva and the previous insurer.

System

my brother was stung by this earlier in the year , luckily for us i kept a copy of my ohs proof of 9 yrs ncd and the letter acknowledging this so we can provide proof when its required

captainmackerel

CHRISSYG wrote: »

my brother was stung by this earlier in the year , luckily for us i kept a copy of my ohs proof of 9 yrs ncd and the letter acknowledging this so we can provide proof when its required

I'm in the same situation as the original poster, with Aviva too. I'm wondering what the legal situation is, as I have my previous company's proof of NCD, plus my renewal from Aviva stating that I have not had any claims this year.

Has anyone successfully used this as evidence to prove to their new insurance company that they have the correct amount of NCD?

Quentin

captainmackerel wrote: »

I'm in the same situation as the original poster, with Aviva too. I'm wondering what the legal situation is, as I have my previous company's proof of NCD, plus my renewal from Aviva stating that I have not had any claims this year......

When you have chosen your new insurer, if you need to use more NCD than your current (aviva) proof shows, then contact the new company prior to buying the policy and get their confirmation (in writing!) that they will honour your total NCD and will accept your multiple docs as proof.

dunstonh

I'm wondering what the legal situation is, as I have my previous company's proof of NCD, plus my renewal from Aviva stating that I have not had any claims this year.

There is no legal issue. A company is free to have it's own level of NCD. All you need to do is keep a record of your history and be able to provide it if requested.

Simple as long as you keep good records. If you dont then its worth getting them in advance of renewal so you allow for them to arrive. I have never had a problem with a scanned copy. You are not expected to keep the original.

captainmackerel

Thanks for the advice. I'll keep on top of my records from now on.

datimms

Thanks for all the responses.

I gave direct line a call to check what they thought. The adviser guessed straight away that I was talking about Aviva, and went on to say that since they know Aviva only go to five years, they will accept your true value. He said that you may get a letter when they do their checks but if you have records it will be OK.

I would imagine most insurance companies take a similar stance, but all you have to do is give them a quick call to check. There must be enough people switching from Aviva for the customer services to be well-versed in the matter.

Hope that helps anyone in this situation.