no claims complications

morrit

Is there any standard guidelines for no claims?

I have been with my employers car insurance policy for 4 years with their lease vehicle. I was paying everything to them. I am now buying said lease car as the scheme has been rescinded and I need a vehicle for my job. I am shopping around for quotes with the information they have provided regarding my insurance. I have been driving for 10 yearsm been insured for 12, had a single claim back in 2002, a Non fault claim in 2006, a non fault claim in 2008, and a fault claim with zero cost in 2009. I am shopping around and am being told:

• I no longer have any no claims,
• 25% off my no claims for 10 years for the fault claim
• My no claims discount that I built up no longer applies as I havent had private insurance for over 2 years
• I have 10 years no claims discount

I am being quoted up to £3,000 per year with £1,000 excess, I am a careful driver (the fault claim was disputed and a technicality that resulted in zero cost to anyone). I park my vehicle on a drive, I use it for business and would need 12,000 per annum... Can someone PLEASE tell me what the hell is going on? And can someone please tell me what my No Claims is? I have a letter from my employer outlining I was insured through them. I have less than a monmth to find insurance and all I speak to are robots... And the end of my tether! PLEASE HELP!!!

fivetide

Yep. Sadly no claims expire after two years so technically you have zero.

Keep shopping around is the only advice. If you've been claim free for the past four years, you might find a company which will give you some credit for the busienss use and acceleratwe your no claims.

Not sure why you are declaring accidents that took place over 5 years ago though.

5t.

wealdroam

You need to get a letter from your employer or their insurers stating you no claims history/record.

Then you need to phone for quotes.
Using comparison sites will not produce "realistic" quotes.

morrit

I have such a letter... but its finding one tht will accept it... the insurance industry has made this SO complicated! I'm being quoted more than someone who hasnt even passed their test... unbelievable...

morrit

and sorry, not declaring anything older than 4 years but it;s to give the fuller picture. the claims I have which didnt cost the insurance company anything, if they accept the letter as NCB how many years does that give me? What about the years I built up BEFORE joining their scheme.. MIB say to ring the BIA who only exist in automated messages... I need clear guidance... ideally, someone who can help me put down the right amount of NCB to a company that will accept the letter from my work insurance...

wba31

Speak to someone who knows what they're talking about. Try NFU Mutual for insurance. They have local offices, so you could always take your letter into them and have a chat with them about it, they will then build you a quote from that. The interest they put on paying monthly is really low too, and they do not charge any admin fees if you change car/address etc.

vaio

This sort of case is where a good broker will come into their own.

As you have found, the on line/direct sales systems are aimed at simple main stream cases and you'll struggle to get through to anyone who can do anything other than guess or read what the computer screen says.

Quentin

morrit wrote: »

.... if they accept the letter as NCB how many years does that give me? What about the years I built up BEFORE joining their scheme.. MIB say to ring the BIA who only exist in automated messages... I need clear guidance... ideally, someone who can help me put down the right amount of NCB to a company that will accept the letter from my work insurance...

You firstly have to accept that you have nil "NCB". Any proper NCB you earned in your own name from being a policyholder is now lost (insurers usually only take it up to 2 years old).

So what you need to do is try and find an insurer who will recognise you as less of a risk than a brand new driver who will have the same NCB as you too (nil!), and give you an introductory discount.

As already advised, see if a local broker (not swinton) can help you.

sunnyone

wba31 wrote: »

Speak to someone who knows what they're talking about. Try NFU Mutual for insurance. They have local offices, so you could always take your letter into them and have a chat with them about it, they will then build you a quote from that. The interest they put on paying monthly is really low too, and they do not charge any admin fees if you change car/address etc.

The NFU is only any good if you live in the country/very small towns, we have had two cars with them for over 10 years yet everyone we recomend them to who dosnt live in the country like us has had laughable quotes which freely admit in the local offices are to discourage drivers who dont fit their core group.

They are brillant insurers, we have all our insurances with them apart from my wheelchair accessable vehicle which they wont do at a reasonable cost due to the above, its not their core group.

Aviva accepted a letter from Motability giving me 5 years no claims but no one will offer to honour the 7 preceding no cliams free years.

jaydeeuk1

What car is it out of interest and how much?

Indout96

This sort of case is where a good broker will come into their own.

True if there were any left, most are now just capable of entering the same info into their computer that you would put in at home. Proper brokers all but died out in the late 80's / early 90's when your broker would have good relationships directly with the companies and the actual company could move goalpost to suit risk rather than slot people in to fewer and fewer holes.
I am BIBA and BIA certified but left the industry in 1985 as it was quickly turning in to a dead end job