'Yes' car insurance what a joke...

driver24ian

I will keep the rant as brief as i can. My other half has 9 years NCB on her 1.2 corsa, aged 30.

Back in Jan 2012 we realised she had lost one set of her car keys along with house keys etc so i changed the locks on the house to be safe and see rang the car insurance just to enquire what she needed to change on the car(locks etc) for it to be still insured, just in case someone found them nearby and tried their luck to take the car.

Along through the door comes the renewal last week stating we made a claim and instead of 9 years NCB she now has only 3!

Since when has an enquiry become a claim?, considering we paid the money for new car locks/keys/re-programming of the new keys.

Having called the insurer they have now passed it on to the underwriters(Provident i think) who will let us know in due course. But until this is sorted out we cannot get quotes from the whole of market as we dont know what they are going to do

thegirlintheattic

Not sure about the NCD side but I would not be surprised with an increased premium. Your partner lost her keys - the insurer is going to think that she is a higher risk for getting her car nicked.

TDPIX

Dropping it from 9 down to 3 sounds drastic. It might be that the maximum they recognise is 5 and they've knocked it down 2? Still seems very odd.

I'd personally look to lodge a formal complaint, saying at no point were you advised that this was a fault claim, nor that it would affect your premium.

Quentin

driver24ian wrote: »

and see rang the car insurance just to enquire what she needed to change on the car(locks etc) for it to be still insured, just in case someone found them nearby and tried their luck to take the car.

Along through the door comes the renewal last week stating we made a claim and instead of 9 years NCB she now has only 3!

It looks like they have "opened" a claim expecting you to come back after initially reporting the theft.

You don't lose NCD if no claim ensued, so contact the claims department and tell them there will be no claim over this and ask (demand) they reinstate your NCD.

You will have to declare this "incident" to any other insurers you approach for a quote (they ask for your history over the last 3/5 years).

Once this is sorted and your NCD reinsatated it might be worth considering protecting it in future (one claim would reduce it to 3 years, as they knock off 2 years for a claom from the max of 5, irrespective of how many years you held previously if it was over 5)

adamc260

TDPIX wrote: »

Dropping it from 9 down to 3 sounds drastic. It might be that the maximum they recognise is 5 and they've knocked it down 2? Still seems very odd.

I'd personally look to lodge a formal complaint, saying at no point were you advised that this was a fault claim, nor that it would affect your premium.

Claims always work on a basis of 1 - 5 otherwise you'd just insure with a company that offers 9 years, not protect it, have 2 claims and walk away with 5 years NCD which is the general 'maximum'

Buzby

Have they paid anything out? If not, and it does not progress to a settlement, the detrimental change will be wiped out. It's worth protecting a max NCD - it costs about £25 more, but the savings in event of a claim are greater.

driver24ian

Thanks for you input folks. I am calling them later to try and sort it out as my policy expires on Thursday, and i collect a new car that evening so you can see my problem. i will update tonight, thanks again.

driver24ian

Quentin wrote: »

It looks like they have "opened" a claim expecting you to come back after initially reporting the theft.

You don't lose NCD if no claim ensued, so contact the claims department and tell them there will be no claim over this and ask (demand) they reinstate your NCD.

You will have to declare this "incident" to any other insurers you approach for a quote (they ask for your history over the last 3/5 years).

Once this is sorted and your NCD reinsatated it might be worth considering protecting it in future (one claim would reduce it to 3 years, as they knock off 2 years for a claom from the max of 5, irrespective of how many years you held previously if it was over 5)

it seems this is what happend.
I dont know how people at Yes get jobs, all they had to do was contact Provident who were the underwriters to confirm there was no claim. I took it on myself and contacted them on Tuesday and they confirmed there is no claim and Yes have opened it themselves. I rang Yes back and told them what i had done and what was said but they refused to call them to confirm stating they had to wait until the email/message or something was returned first.

Seriously, are we lacking some standard common sense in these call centres to deal with a simple query that can be resolved by a simple solution and not a long drawn out process.