New Car = New Insurance problems

hartynoll

Hi All

First time post so be patient please!!

Ok, I have been driving in the UK for 15 years, no problem. I have amassed 9 years NCD but last year I has a bump (with no Third Party involvement) and lost 2 years NCD.

My wife has also been driving for 15+ years but only moved to the UK 5 years ago, at which point she has been driving as a named driver on my Insurance. Again, no problem.

However. She had a new job in March which required us to buy a second vehicle. Once we did, I arranged insurance through a different insurer on the internet and said that I had 7 years NCD and got insured.

They have since asked for prrof of the NCD, which I requested from the insurers of my first vehicle, and have just found out that NCD only counts on one car!!

I am in a bit of a pickle now, but fortunately the policy on the first car runs out on the 22nd of this month.

So, my questions are as follows:

1) If I cannot prove my NCD with the second car insurers, will/can they force me to pay a higher premium for the policy with 0 years' NCD or will they just cancal the policy?

2) If they do force me, would it be better to use the NCD from the due to be expired policy on the second car (as it is alot newer and worth alot more), then insure my original car under a new policy with 0 years NCD.

3) Do I photocopy the proof of my NCD and send to both insurers? (I know it's dodgy but gotta ask)

4)If my insurer who is requesting the proof of NCD cancels my policy, should I just go with a multicar policy?

Thanks in anticipation!!

Quentin

You need to explain your "ignorance" of how NCD works to the second car insurers, and deal with the consequences (assuming they will still cover you with nil NCD, then this should just be an increased premium).

You should use the NCD on the car with the most expensive premium (excluding NCD).

You can do some shopping round now for multicar policies etc, and weigh up cancelling the new policy at the forthcoming renewal date of the existing one - check that cancellation fees don't take up any saving you can make on the premium!

stugib

hartynoll wrote: »

I have amassed 9 years NCD but last year I has a bump (with no Third Party involvement) and lost 2 years NCD....Once we did, I arranged insurance through a different insurer on the internet and said that I had 7 years NCD and got insured.

You might find you've only got 3 years NCD. If you lose NCD it's sometimes taken back from a 5 years maximum.

Buzby

You may find it cheaper to arrange an extra vehicle cover with your existing provider - explaining that your wife will be the main driver on that. They may well offer a substantial starter NCD to get her going, and retain your business.

hartynoll

I can't believe this - I have spoken to Direct Line and they have advised me that they only count a maximum of 5 years NCD, so they can only give me 3 years!! (as per a previious poster)

The thing is, I was told by one of their reps that I would keep 7 years NCD. They are going to listen to the call, my question is - is there any way I can get them to honour the 7 years' NCD? Will a complaint to their CEO do the trick or not?

PLEASE HELP!

Quentin

THey cannot "honour" your 7 years NCD as you no longer have 7 years!

When you lost 2 years, as a result of your claim, that was taken from the max of 5 years.

The 3 years they are honouring is correct. (Though you can only use it on one car at a time!)

hartynoll

Quentin wrote: »

THey cannot "honour" your 7 years NCD as you no longer have 7 years!

When you lost 2 years, as a result of your claim, that was taken from the max of 5 years.

The 3 years they are honouring is correct. (Though you can only use it on one car at a time!)

I understand this, but when I called, they advised me that I would still have 7 years NCD. I would not have made the claim if I had known I would lose 6 years NCD. The difference between the two is a couple of hundred pounds!

Quentin

But didn't you (mistakenly) tell them you had 7 years, not realising a claim means a loss of 2 years from the max of 5?

The effect a claim made on your NCD will have been set out in your policy.

starrystarry

hartynoll wrote: »

The thing is, I was told by one of their reps that I would keep 7 years NCD. They are going to listen to the call, my question is - is there any way I can get them to honour the 7 years' NCD?

Are you sure the rep didn't say that you would lose 2 years NCD, which you took to mean you would keep 7 years?

hartynoll

Ah right. I mistakenly told my NEW Insurer that I had 7 years No Claims discount.

This is because when I had an accident in November last year and claimed, my OLD insurer told me that I would lose 2 of my 9 years NCD, making 7.

Now my OLD insurer will not issue me with a letter stating that I have anything more than 3 years NCD (this policy is due to expire this week).

hartynoll

starrystarry wrote: »

Are you sure the rep didn't say that you would lose 2 years NCD, which you took to mean you would keep 7 years?

I'm 90% sure they said 7 years, they are listening to the call in Direct Line and coming back to me