Can they do that?is it Legal?

sam1970

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:

Trebor16

What they are saying is correct and the majority of insurers will give a policyholder maximum no claims discount after five years.

fivetide

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.

dzug1

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

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

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.

pitkin2020

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.

Cash-Strapped.T32

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

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

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

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.