I've lost a years NCB - help!

Mimi_Arc_en_ciel

stone7 wrote: »

I can't understand why they would want or need previous policy details back to 2005.

When I change insurers, my last schedule/proposal is always enough to verify NCD entitlement.

How did you verify your no claims entitlement with M & S?

I joined M&S 2 years ago - I informed them I had 5 years NCB - but they said that on their records they had me down as having 4 years. I never sent in ANY paperwork. They are saying they arent sure whether the error is their end, my end, or previous insurers (Not sure how they would know this)

Therefore they said i need to go back to 2005 to find out where all the no claims have come from

(Hope that makes sense!)

atrixblue.-MFR-.

Mimi_Arc_en_ciel wrote: »

I joined M&S 2 years ago - I informed them I had 5 years NCB - but they said that on their records they had me down as having 4 years. I never sent in ANY paperwork. They are saying they arent sure whether the error is their end, my end, or previous insurers (Not sure how they would know this)

Therefore they said i need to go back to 2005 to find out where all the no claims have come from

(Hope that makes sense!)

did you take the policy out online or over the phone.

if over the phone insutruct the to review the recorded call when you purchased to confirm either you said 5yrs or 4 yrs.

Premier_2

Mimi_Arc_en_ciel wrote: »

I joined M&S 2 years ago - I informed them I had 5 years NCB - but they said that on their records they had me down as having 4 years. I never sent in ANY paperwork. They are saying they arent sure whether the error is their end, my end, or previous insurers (Not sure how they would know this)

Therefore they said i need to go back to 2005 to find out where all the no claims have come from

(Hope that makes sense!)

Yes that makes sense and explains why M&S will only give you 6 years at renewal.

But all you need to do is go to the insurer you had before M&S, i.e. in 2010, and get them to confirm how much NCD you took away from them