theft of NCB

Luke123_2

I am insured with aviva, but through the broker adrian flux. i recently had an accident which was my fault, and out of courtesy i informed both partys that their may be a claim put forward.

several weeks pass, and i've heard nothing back, so i decide to ring back aviva who have no record of any claim whatsoever (bizarre), and i immediatly ring adrian flux to find that no claim was ever made against me, all they had on record was my phonecall. the 3rd party only had a small scratch, so must have not bothered ringing up.

however i was told that i've lost my no claims bonus (regardless of the fact that no claim as made) because i admitted fault.

is this even legal?

olly300

Yes.

Different insurers deal with notifications in different ways.

Some record it as a claim while others note it down, in case there is a claim then don't count it on your record if it doesn't turn into one.

I suggest instead of choosing the cheapest insurer next time you choose one that is known to record notifications in the second manner and stick with them.

Edited to say: How do you find such an insurer? Use the search facility on this site and if that doesn't work, post a thread. You will still have to google and read the policy documents carefully before you purchase the insurance.

adamc260

olly300 wrote: »

I suggest instead of choosing the cheapest insurer next time you choose one that is known to record notifications in the second manner and stick with them.

They would be known as dodgy insurers then... if an incident occurs you cannot simply have it 'noted down' on your system as it wont get reported to CUE for future insurers to consider whether your an acceptable risk or not.

I don't also see how they can 'not count it' when an incident has occurred regardless whether anyone claimed? =/

olly300

adamc260 wrote: »

They would be known as dodgy insurers then... if an incident occurs you cannot simply have it 'noted down' on your system as it wont get reported to CUE for future insurers to consider whether your an acceptable risk or not.

Not dodgy at all.

There is no definition of an "incident".

There as for a claim there is a clear legal definition as there is something to defend/claim for in a court of law.

adamc260 wrote: »

I don't also see how they can 'not count it' when an incident has occurred regardless whether anyone claimed? =/

You have to declare it if you change to an insurer who asks about all "incidents, accidents and claims". Not all ask for incidents.

Also if you do end up having a claim later you can be caught out on previous incidents. There are plenty of stories around of people who have had things happen like their car broken into or hit someone with an old car, who haven't told their insurance company. These people have had their claims denied or their premium adjusted due to not telling the insurance company.

adamc260

olly300 wrote: »

Not dodgy at all.

There is no definition of an "incident".

There clearly is... It's defined as an occurrence or event.

olly300 wrote: »

You have to declare it if you change to an insurer who asks about all "incidents, accidents and claims". Not all ask for incidents.

Trying to get out of it on a technicality won't really fly.