Proof of no claims (car)

Njal

Hi,
I've just renewed my car insurance (changed to a new insurer) and they have asked for proof of no claims.
I haven't been asked this for a while, usually they just take my word for it - I assume they require proof if there is a claim.
Anyhow, I entered 11 years into the confused.com system, but looking at my recent renewal it says 9 years.
I remember when I changed insurer last year they told me that the maximum NCD they offered was 9 years.
So the only proof I have says 9 years, yet my latest insurance is based on 11 years.
To top it off, I worked through the years to how much I have and I have actually had 14 year's worth of car insurance, and never made a claim, although there was a 1 year break in the middle of this (i.e. took my first car insurance out 15 years ago).

Is there any way I can prove I have 14 years insurance with no claims?
Since I had a break, does it count as 14 years? It's actually 9 unbroken coverage.

Thanks.

vax2002

You can prove what your last insurer will put in writing.

End of story I'm afraid...

Njal

Damn, that's annoying. My new insurer will charge me £30 for an amendment as well.
Unless my last insurer has it on file, since I did call them about it...
Time to give them a ring.

vax2002

the question asked is
"proof on no claims discount"
not
"what do you think you deserve"

So unless you can serve some proof up...

Njal

Yes, true.
Hopefully I still have my insurance documents for 2010-2011 which will show 10 years I think.
Thanks for your help.

Looksguywalker

vax2002 wrote: »

You can prove what your last insurer will put in writing.

End of story I'm afraid...

Wrong as usual.

Njal

Looksguywalker wrote: »

Wrong as usual.

How so?
I have documents from 2010 stating that I had 9 years NCB then, and I haven't claimed since, although the only documents I have since then, still say 9 years.

thriftyswift

A lot of insurers cap the no claims bonus they will give you proof of at 9 or lower. Some insurers will therefore decide that if you have the maximum for your previous insurer but are claiming more, then you are being honest and they will just accept that.

gregg1

Njal wrote: »

Hi,
I've just renewed my car insurance (changed to a new insurer) and they have asked for proof of no claims.
I haven't been asked this for a while, usually they just take my word for it - I assume they require proof if there is a claim.
Anyhow, I entered 11 years into the confused.com system, but looking at my recent renewal it says 9 years.
I remember when I changed insurer last year they told me that the maximum NCD they offered was 9 years.
So the only proof I have says 9 years, yet my latest insurance is based on 11 years.
To top it off, I worked through the years to how much I have and I have actually had 14 year's worth of car insurance, and never made a claim, although there was a 1 year break in the middle of this (i.e. took my first car insurance out 15 years ago).

Is there any way I can prove I have 14 years insurance with no claims?
Since I had a break, does it count as 14 years? It's actually 9 unbroken coverage.

Thanks.

I have just had the same problem. I have changed insurers three or four times and I actually have 20 years NCB. However, the most the laste insurer would confirm to the subsequent insurers was 9. It's cost me more money to insure but there was not a lot I could do about it.

GrumpyTrucker_2

I'm in the same boat. I was with one company for 15+ years then they absolutely hiked up the premium one year (it almost doubled for the same car) so I switched. It looks like they only recognise 8 years or so No Claims and that's what they notify on renewals and maybe to new insurers. Like most, when you get an online quote you can't select more than 8 or 9 years.

I never realised and was happy (as much as you can be with car insurance) with the new quote at the new company anyway. Last year the same happened and I switched again. Now, after 20+ years without a claim all my premiums are based on a 10 year provable NCD. The company I'm with now recognise up to 20 years so even though I have 20 years they're only giving me a discount based on 10. Looks like I'll have to start keeping renewals for years now to try to prove longer NCD. I mean, who stays with one company for years these days?

This year I'm looking at an approximate 20% increase in premium on the same car with an additional year of NCD (taking me to the 10 years). I'm legally required to hold this insurance but there seems to be no effort from government to regulate it to make it so that people can actually pay it. With the age of my car (7 years in September) I would previously have dropped it to TPFT but since most insurance is inflated due to third party claims, even that doesn't save you anything these days. In fact, my first 3 years insurance were on TPFT to get affordable insurance and get the NCD built up.

There really should be a standardised NCD Policy across the industry these days so if you have 20 years (even if the company stops calculating at 8) they should put your actual years without claims on the renewal/policy.

Keep_saving

The incredible shrinking ncd!!

This has just happened for me. I'm buying a new car and ran the quotes, going for one which was not the cheapest, but would buy me the cover I needed from a company with good reviews for customer service (LloydsTSB). Before actually clicking to buy, I noticed that my renewal notice from the old insurer only gave 5 years ncd when I had clicked 9+ years on the comparison website as that is what I believe I have due to continual insurance with no claims made. My renewal notice for 2010 stated 9 or more years, I changed to NFU and the 2011 stated 6 or more years whereas the latest one from Aviva only states 5 years. I contacted the new company who will only accept what Aviva will tell them and are not interested in a paper trail proving additional ncd. Fortunately the nice man at Aviva is going to phone NFU on Monday to ask what they have on record and will then phone me to let me know what they would put in a letter.

LloydsTSB ran a quote with 5 years ncd and the premium rose from £218.42 to £261.48 and told me they would only pass on to another insurer a maximum of 9 years (or 6 next year, if I can't get proof of more than 5 this year from Aviva) if I left them. I'm glad I haven't taken out the policy yet as a change would cost me on top of the extra premium if I can't get proof of 9 years +. I may end up having to re-run the quote and see if other companies come up better.

There should be a warning about this in the "Getting the cheapest insurance" information as it seems you have to change companies every year to get anything approaching competitive prices and this is another thing that needs to be factored in.

I fully agree with GrumpyTrucker: "There really should be a standardised NCD Policy across the industry these days so if you have 20 years (even if the company stops calculating at 8) they should put your actual years without claims on the renewal/policy." There must be lots of people out there running quotes like ours which might turn out to cause the policy to be invalid for "overstating no claims discount".