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Can they do that?is it Legal?

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sam1970
sam1970 Posts: 1,196 Forumite
Part of the Furniture 500 Posts Combo Breaker
edited 27 January 2012 at 10:51AM in Motoring
I have my car insurance with Aviva and when I started with them two years ago I had 10 years of no claims so I was hoping that if I move to anothet insurer this year, Aviva will provide me with 12 year NCD proof. Instead they said the maximum they will confirm is 5 years as this is their standard policy. They tried to convince me that any thing more than 5 years makes no difference to the permium which I do not believe..What shall I do? I have been accumulating all these years carefully an in some instances I paid for car damages myself to avoid insurance claims and now they are going to screw it.:mad:
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Comments

  • Trebor16
    Trebor16 Posts: 3,061 Forumite
    What they are saying is correct and the majority of insurers will give a policyholder maximum no claims discount after five years.
    "You should know not to believe everything in media & polls by now !"


    John539 2-12-14 Post 15030
  • fivetide
    fivetide Posts: 3,811 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    That's true.

    Most firms apply max no claims after five years so having 10, 11 or 12 will make little difference unless you can find an insurer who cares.

    As long as you are claim and points free for the 5 years they ask about (assuming you don't have a drink driving or other long term conviction) then it's about as good as it gets.

    5t.
    What if there was no such thing as a rhetorical question?
  • dzug1
    dzug1 Posts: 13,535 Forumite
    10,000 Posts Combo Breaker
    With many insurers it makes no difference if you have more than 5 years NCB.

    With a few it does.

    What's worth trying is to try to get proof of your 10 years 2 years ago from your old insurer and produce that plus what Aviva give you to your new insurer. No guarantees though.
  • sam1970
    sam1970 Posts: 1,196 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    thanks all..I tried to get some quotes through comparison websites and I noticed difference in the premiums (lower premiums when I quoted 12 years NCD)..also why when you complete on line application of car insurance the section for NCD gives you a list of years going sometimes up to 20 years? clearly if does not matter they should say more than 5 years and thats it!!!
  • iolanthe07
    iolanthe07 Posts: 5,493 Forumite
    I have 48 years of no claims, but still do not receive any more of a discount than someone who has only 9. That seems to be the industry standard.
    I used to think that good grammar is important, but now I know that good wine is importanter.
  • pitkin2020
    pitkin2020 Posts: 4,029 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    sam1970 wrote: »
    thanks all..I tried to get some quotes through comparison websites and I noticed difference in the premiums (lower premiums when I quoted 12 years NCD)..also why when you complete on line application of car insurance the section for NCD gives you a list of years going sometimes up to 20 years? clearly if does not matter they should say more than 5 years and thats it!!!

    This is the annoying thing about NCB, too many insurers treat it differently. Some will give and accept a number any number of NCB whilst others cap it at 5 years.

    If you still have the proof of NCB before you went to aviva you will be able to use that plus what aviva have given you to prove that you have continued to increase your NCB, if the insurer accepts higher than 5 years.

    Also comparison websites will allow you put in higher than 5 years in the NCB due to a few insurers accepting that so they have to cover all basis.
    Everyones opinion is the most important.....no wonder nothing is ever agreed on.
  • I've never had such a large NCD so I don't know personally, but what about insurers who knock off 2yrs (for example) when you claim, or those protected NCD schemes that do the same?

    In that instance, I'd suggest the OP might be better off with 10 than 5, so even using an "old" document as proof of NCD wouldbe worth it, in case the situation ever arises in the future that they lose a number of years' worth.
  • Quentin
    Quentin Posts: 40,405 Forumite
    Usually when you "lose" ncd because of a claim, it is deducted from the maximum stated in the policy (usually 5/6 years).

    So if you have (eg) 15 years unprotected NCD, then make a claim you will have 3 years at renewal if your insurer uses the normal 5 years max.
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Quentin wrote: »
    Usually when you "lose" ncd because of a claim, it is deducted from the maximum stated in the policy (usually 5/6 years).

    So if you have (eg) 15 years unprotected NCD, then make a claim you will have 3 years at renewal if your insurer uses the normal 5 years max.
    This indeed is the big scam about this whole issue.
  • mikey72
    mikey72 Posts: 14,680 Forumite
    sam1970 wrote: »
    I have my car insurance with Aviva and when I started with them two years ago I had 10 years of no claims so I was hoping that if I move to anothet insurer this year, Aviva will provide me with 12 year NCD proof. Instead they said the maximum they will confirm is 5 years as this is their standard policy. They tried to convince me that any thing more than 5 years makes no difference to the permium which I do not believe..What shall I do? I have been accumulating all these years carefully an in some instances I paid for car damages myself to avoid insurance claims and now they are going to screw it.:mad:

    Have a read of

    https://forums.moneysavingexpert.com/discussion/3754335

    it may not be legal after all.
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