Car insurance-gap of 1month in NCD

taney

Hi,

Need some advice:

My previous car insurance expired in july but i didnt renew my insurance straight away ,instead I renewed it after a month i.e in september.Although I was using my husband's car mainly in that month as he was commuting via train but on odd occasions I did use my car 'without' insurance.Now as I changed the insurance company for renewal,they are asking for NCD for the 1month gap otherwise I have to pay an extra 650pounds.
I'm really worried now...what should I do now?

Any suggestions/advice will be highly appreciated!

Thanks in advance!

InsideInsurance

Which insurer/ broker is it?

Most accept NCD up to two years old, you just need to explain you held no insurance for the gap period.

taney

Its with AVIVA.I did tell them that I had no insurance but they are asking WHY??

InsideInsurance

Is it Aviva direct or via a broker?

So tell them the reason why you were without insurance for a month. The insurer's concern is the fact you have had insurance, made a claim or more and now are trying to use an older NCD to bypass those incidents.

taney

its Aviva direct...

can i say that i was abroad n didn't renew it,which i was but not on exact those dates.......i know its not true but ....

InsideInsurance

Easier just to say that you just used your husbands car for a month whilst he switched to commuting by train and so didnt need to vehicles.... basically what you originally posted (probably wouldnt mention the driving without insurance)

taney

okie thanks...will do that...
thanks for your help!

forgotmyname

taney wrote: »

Hi,

Need some advice:

My previous car insurance expired in july but i didnt renew my insurance straight away ,instead I renewed it after a month i.e in september.Although I was using my husband's car mainly in that month as he was commuting via train but on odd occasions I did use my car 'without' insurance.Now as I changed the insurance company for renewal,they are asking for NCD for the 1month gap otherwise I have to pay an extra 650pounds.
I'm really worried now...what should I do now?

Any suggestions/advice will be highly appreciated!

Thanks in advance!

Tell them the truth, You have been driving it illegally / uninsured for the past month?

[Deleted User]

taney wrote: »

Hi,

Need some advice:

My previous car insurance expired in july but i didnt renew my insurance straight away ,instead I renewed it after a month i.e in september.Although I was using my husband's car mainly in that month as he was commuting via train but on odd occasions I did use my car 'without' insurance.Now as I changed the insurance company for renewal,they are asking for NCD for the 1month gap otherwise I have to pay an extra 650pounds.
I'm really worried now...what should I do now?

Any suggestions/advice will be highly appreciated!

Thanks in advance!

Hi taney,

I am sorry to see your post regarding your no claims discount.

If you would like to send me some details I can check this for you, including the process and what we require. To help, I will need the following information:

• Your full name
• Date of birth
• Full postal address
• Policy reference number

Please send this to [EMAIL="social@aviva.co.uk"]social@aviva.co.uk[/EMAIL] , marking it for my attention, and I will be happy to help.

Kind regards

Rach

InsideInsurance

I'm thinking thats an offer of assistance not to take up

taney

InsideInsurance wrote: »

I'm thinking thats an offer of assistance not to take up

Well especially fter I have mentioned that I had been driving illegally!