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NCB - can insurers define their own way?
movilogo
Posts: 3,238 Forumite
Since having NCB is the best way to reduce car insurance cost, I think some insurers play a prank with it.
Suppose I am hit by an uninsured driver which is entirely his fault.
As per Direct Line, since its not my fault, I'll keep my NCB.
However, as per Admiral, since they can't claim back the loss from other insurer (none in this case), they'll mark it as a claim against me - so I'll lose my NCB.
Some insurer wants to know any points/claim for last 3 years. Whereas most other wants for last 5 years!
Some allows named drivers to build their own NCB, while others don't.
They manipulate the facts in their own way - but if we want to do the same, they will accuse us of doing fraud!
How come this be possible?
Suppose I am hit by an uninsured driver which is entirely his fault.
As per Direct Line, since its not my fault, I'll keep my NCB.
However, as per Admiral, since they can't claim back the loss from other insurer (none in this case), they'll mark it as a claim against me - so I'll lose my NCB.
Some insurer wants to know any points/claim for last 3 years. Whereas most other wants for last 5 years!
Some allows named drivers to build their own NCB, while others don't.
They manipulate the facts in their own way - but if we want to do the same, they will accuse us of doing fraud!
How come this be possible?
Happiness is buying an item and then not checking its price after a month to discover it was reduced further.
0
Comments
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If they all operated in the same way, there'd be no point in having lots of companies would there?!
They provide you with a product - you choose which to have. You'd be complaining if you had no choice.:A MSE's turbo-charged CurlyWurlyGirly:A
Thinks Naughty Things Too Much Clique Member No 3, 4 & 5 0
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