Please could you give NCD advice?

martyrowell

Hi, I was hoping I could get some advice please!

I have had a renewal quote on my car insurance but it doesn't say anything about the accident that I had during the year. Because of this my no claims discount has stayed at 5 years. I rang them up and questioned this and they said it wasn't updated on their system and my NCD is 2 years and they were going to email me the updated NCD proof for my next insurer.
I have since got quotes based on the 2 years NCD and bought insurance with another company.
The old insurers emailed the NCD proof today and it still states 5 years unprotected.
Basically, my question is with this proof I have had emailed to me with today's date on should I ring up the new insurers and change the NCD to the 5 years that is stated?
I'm worried that if I do this and then have to make a claim it may become void or something.
I'm a bit confused with it all and really appreciate any advice please.
Thanks in advance!

It_can_get_better

As long as you told you new company about the accident, i'd keep quiet. Same happened to me a few years ago, i changed insurance companies and stated 2 years ncd. Asked old company to send me proof of ncd, came back with 3 years. Sent it off to the new company and they refunded me some money!

martyrowell

Well I have declared the accident to them (in the compare the market search engine) so you think I should tell them I made a typo and it should be a 5 instead of a 2?
I suppose they'll question it if I don't say anything and then they get the copy of proof of NCD saying 5 yrs instead.

It_can_get_better

No, as that would not be true. Don't make any false statements.

martyrowell

So I'll wait for the new insurer to ask for proof of no claims then send them it and see what they say?