Car Insurance - NCD

Housework*Fairy

Hi All

Car insurance is up for renewal. Current insurers (A) gave me a quote which was acceptable but I couldn't afford to pay upfront and they don't offer installments so I had to go elsewhere. I asked what my NCD was expecting it to be 5-6 years and was surprised to find it was 11. I questioned it and the first customer service advisor double checked it with the NCD department, came back and said "yes you came to us with 9 years proven two years ago so that makes 11".

I definitely didn't have 9 years when I joined them. I had either 3/4 years and I would have faxed them proof of that from the previous insurers. I have had insurance with Company A for a full 2 years, and last year was a straight renewal and they quoted me cheaper than other insurers so I just renewed automatically via the internet not even looking at what the NCD was.

I still wasn't happy with the answer so I phoned back and spoke to someone else. She said to me "you have 5 years....oh no hang on, it's 11. If you look at your renewal letter you have 11 years"

I logged onto my online account and it is there in black and white - 11 years. It says it on the renewal letter and also in my personal details.

I definitely haven't got 11 years, it is 5 possibly 6. I swear I haven't lied about the NCD and I would have sent them whatever I had got from the previous insurers (who I can't even remember who it was) saying it was 3/4 years (whatever it was at the time).

I've gone and bought my new insurance with 11 years no claims but now I worry that I have committed a deliberate fraud.

Should I go back to Company A and question it, ask them to look into it further before my new policy kicks in on Thursday? Should I go back to New Company (B) and tell them that I think the 11 years is incorrect and get them to amend it to 5?

If someone at Company A has mucked up my original NCD am I liable to pay the difference that less NCD would have made to my previous 2 years policy?

forgotmyname

If the renewal says 11 years and their system agrees. Your on the lucky side of a mixup.

I took a classic policy many years ago. It was a 2nd car weekend and summer use, limited miles garaged etc. They checked to see i had full no claims.
I queried this as it was used on my main car and not allowed to use for a 2nd car.
They said its for checks only. You dont need or earn no claims on this policy.

2 years later i sold the car and cancelled the policy. Nice letter dropped on the mat saying i had 8 years no claims.

I did get a letter several years later asking me to contact them about a mixup with the no claims.

Housework*Fairy

And did you contact them?

nomoneytoday

Housework*Fairy wrote: »

I definitely haven't got 11 years, it is 5 possibly 6. I swear I haven't lied about the NCD and I would have sent them whatever I had got from the previous insurers (who I can't even remember who it was) saying it was 3/4 years (whatever it was at the time).

I've gone and bought my new insurance with 11 years no claims but now I worry that I have committed a deliberate fraud.

Have you been driving for 11 years? If you're only 23 for example it's almost impossible to have 11 years NCB, unless you're married for example.

Also the price difference between 5 and 11 years discount is probably minimal too.

Housework*Fairy

nomoneytoday wrote: »

Have you been driving for 11 years? If you're only 23 for example it's almost impossible to have 11 years NCB, unless you're married for example.

Also the price difference between 5 and 11 years discount is probably minimal too.

I've had my licence since I was 19 and I'm now 37. We have had a car continuously since 2000 but I was a named driver on it, so only started building up my own NCD in 2006 or 2007 (can't remember exactly when I bought my own car)

qazitory

Housework*Fairy wrote: »

I've had my licence since I was 19 and I'm now 37. We have had a car continuously since 2000 but I was a named driver on it, so only started building up my own NCD in 2006 or 2007 (can't remember exactly when I bought my own car)

Were you a named driver with the same insurance company before you had your own policy? As some let you earn no claims as a named driver so that could explain the 11 years NCD?

Housework*Fairy

qazitory wrote: »

Were you a named driver with the same insurance company before you had your own policy? As some let you earn no claims as a named driver so that could explain the 11 years NCD?

I really can't remember. I can't even remember who my policy was with prior to current insurers. It's possible although husband is only showing as having 8 years NCD and not 11, and he is with the same company (on his own policy)

jamhun

nomoneytoday wrote: »

Have you been driving for 11 years? If you're only 23 for example it's almost impossible to have 11 years NCB, unless you're married for example.

Also the price difference between 5 and 11 years discount is probably minimal too.

The majority of insurance company's only take 5 years of your NCD for quotation purposes, no matter how many years you have.

James

Housework*Fairy

Just thought I would let you know how I got on.

I was overcome with worry this morning so I rang company A. The third customer service advisor I had spoken to in one week told me again their computer said I was entitled to 11 years.

I explained the situation to her and asked her to look into it further.

She put me on hold for 10 minutes and went off to speak to someone. She came back and told me they had indeed made an error. My husband and his car are also insured with Axa (separate policy) and I am a named driver on his policy, and somehow the computer has applied his NCD to my name (but he still the same amount of NCD too. She said that the NCD they had applied to my account would be honoured, so it looks like I have been on the receiving end of a lucky mistake.

Thanks to those who replied