Insurer refuses to give NCB until policy ends

mrcol1000

My car insurance runs out next week and instead of getting a renewal letter my insurer sent me a letter asking me to ring for "a special personal renewal quote for a loyal customer". I had already checked 4 or 5 comparison websites and the cheapest was £700. My current insurer quoted £950 which was higher than when I took it out last year with them!

So I want to change insurer and know I need proof of my No Claims Bonus. My current insurer however says that it can't provide this till the policy ends. So I am left now with buying my new insurance the day before and hoping that they provide this quick enough to be able to send it to my new insurer before they decide to cancel the policy as I did not provide the NCB quick enough.

When I took out my current insurance they quoted one price on-line and then when I rang up to pay claimed I had made a mistake and charged me £80 extra. I am 99% sure I did put the details in correctly though. They said I either pay that or £90 to cancel the policy which I agreed to take out on-line. So they can be a bit slimy and am worried they will use my NCB proof as a way of keeping me with them.

Help!

worried_jim

Nothing wrong. Your insurer will post your ncb to you and you just forward it to your new insurer with in a certain time limit. simples. I've done it about 20 times and never had an issue. Don't panic.

Faith177

Check with whoever you want to take the insurance out with first.

Most allow 21 days for you to supply them with the NCB proof and some don't even need it.

paddedjohn

They can't send it to you until the policy ends because the year isn't over until then, you could have an accident on the last day. If you have 3 years ncd now, when your policy ends in 2weeks you will be entitled to another year so 4 years ncd but if you cancel early you will revert back to your origonally 3years

mkirkby

As already said, don't worry. Take out your new car insurance without your proof. When you get the proof, contact your new insurer and give them the details.

It's irrelevant if you have an accident between your new insurance starting and getting your proof. It doesn't alter that fact that you have NCB and won't affect anything whatsoever. The worse that would happen is that they would delay any decision until you can provide your proof.

In many cases they don't even ask anyway. Your insurance will be on a central database and quite often they get that info without even asking you. I never had to give my proof when I changed this year. They just knew I had the NCB.

Big brother is watching

rodenal

Standard practice and will be a non issue - if you get a reminder before you've got the proof from existing insurer just give your new insurer the current companies details and they'll check.

slyracoon

I guess the OP has never changed insurer before.

It is standard that you won't get proof of NCB until your current policy ends. You just take out your new insurance telling them how much NCB you have and they then give you a number of weeks to provide the proof (usually 21 days), you don't need the proof on the day you take out the insurance.

Don't Panic!

mcjordi

the past 3 years ive never been asked to prove my ncb, nor been asked who last insurer was.
Im guessing here but im sure they can check it all out electronically anyway

dacouch

Is this Right Choice Insurance Brokers?

agrinnall

Doesn't the renewal letter from your current insurer state what your NCD entitlement is? That's what I always use to provide proof when I'm changing insurer.

mrcol1000

agrinnall wrote: »

Doesn't the renewal letter from your current insurer state what your NCD entitlement is? That's what I always use to provide proof when I'm changing insurer.

It doesn't say anything just to ring them.