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Car insurance... how many no claims?
ACG
Posts: 24,953 Forumite
I passed my test August last year, bought a car on 21st September and started my insurance then.
Ive received a renewal quote and it has 2 years no claims, i was thinking i only had 1 years? Ive spoken to the insurance company (LV) and they have said that is correct as you will be in your second year?
Just wondering if someone could clarify this before i go and look elsewhere.
Cheers
Ive received a renewal quote and it has 2 years no claims, i was thinking i only had 1 years? Ive spoken to the insurance company (LV) and they have said that is correct as you will be in your second year?
Just wondering if someone could clarify this before i go and look elsewhere.
Cheers
I am a Mortgage Adviser
You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
Comments
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What they said is rubbish - they must've given you 1 year introductory hence 2 this year.
The NCD you have is whatever you have proof of.
Although some websites will throw a wobbly if you say you have been driving for 1 year but have 2 years NCD.0 -
So i should be putting 1 years in price comparison sites then?
Im not bothered either way, as far as im concerned i was only expecting to put 1 years no claims... if i can put 2 then thats just a bonus.
Im just not sure what i should be putting when trying to get quotes.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
If you have a renewal stating 2 years NCD then you can put that down in any quotes you get as you have the proof.
We had our first insurance with Directline and got 2 years NCD after only having a policy for a year.0 -
Seems strange though, how can they just give me something i havnt earnt.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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My first renewal came round with 2 years NCD on it. I phoned them up and they said that they give you an extra year's accelerated NCD after your first claim free year. Maybe this happens to you too.0
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