Proving NCD after being with Aviva

Wammer

I am posting this in both the Insurance and Motoring forums

I have read previous threads on this, but would like some clarification.

I have had car insurance with Aviva for the past 2 years and my renewal is due in a couple of weeks. I am considering staying with Aviva, but as a new customer rather than a renewal. They only provide proof of NCD for 5 years max. I have been driving claim free for 13 years.

I have read on here that having more than 5 years makes little difference to the premium. Last night used a comparison site and got quotes with both 5 years and 7 years NCD. It made very little difference with some companies, but £30-50 difference with others. I appreciate this is not a huge amount, but this is MSE and every little helps. We also have 2 cars due for renewal this month so the saving would be doubled as we have identical claims history. I shall be checking to see if 13 years claim free makes an even bigger difference.

I am now keen to have proof of the actual number of claim free years if possible. I shall be checking my paperwork to see how far back I have proof of NCD.

I have emailed all the companies I have been with since 2007 asking them to confirm the NCD I had when I joined them or at renewal. The company I joined in 2007 have confirmed by email that I had 7 years at inception and will be issuing a letter to confirm this.

Even if I manage to get replies from all of the companies going back to 2007 confirming I have never claimed, would the usual 2 year validity of NCD still apply? Is there any point getting proof older than 2 years?

Prior to moving to Aviva in 2011 I was with CIS in 2010 and Aviva in 2009. Aviva would have given me proof of 5 years NCD at the end of the policy in 2010. CIS are sending out a letter confirming I had 6 years NCD at the end of the policy in 2011 when I moved to Aviva.

Would Aviva have to accept that I have 8 years NCD as they already know I haven’t claimed while with them?

Is it possible to prove, and have accepted, the full number of years NCD I have?

adamc260

You could always ask Aviva to confirm how many years you had when you came with them... If they can't do that the least they can do is say 'The customer came to us with our maximum of 5 years.. they stayed with us for 2 years giving them the equiv of 7 years' etc.

Ask the question

Wammer

Thanks.

Yes I will be calling them tomorrow as they were closed when I tried earlier this evening.

Perhaps I need to do that with any company I am considering.

However there is an old topic on here which said that Aviva wouldn't confirm any previous NCD that was brought to then as they don't ask for proof of previous NCD and therefore can't confirm it.

chris-j

Surely this is something the insurance industry could easily automate. Seems a bit rich that one of the biggest insurers force their own policies on others when so many companies are now asking about up to 9 years and over.

Wammer

When you complete the comparison site questions they give you the option to enter up to 20+ years.

I asked CIS tonight what the maximum was that they gave and was told 12 years.

adamc260

Some insurers base it on 1-5 as EVERY insurer uses that in the event of a claim.

Others offer higher amounts and give you like 0.5-1% discount per extra year etc... while others give nothing for the extra years.

They should imo keep it all the same, far less problems that way!

[Deleted User]

Wammer wrote: »

Thanks.

Yes I will be calling them tomorrow as they were closed when I tried earlier this evening.

Perhaps I need to do that with any company I am considering.

However there is an old topic on here which said that Aviva wouldn't confirm any previous NCD that was brought to then as they don't ask for proof of previous NCD and therefore can't confirm it.

Hi Wammer,

Have you been in contact today to have your NCD query looked into?

If not, feel free to email me at [EMAIL="social@aviva.co.uk"]social@aviva.co.uk[/EMAIL] with the following details so I can assist.

• Your full name
• Date of birth
• Postcode
• Policy number
• MSE Username

Many thanks,


Martin Banwell
Aviva UK Social Media Support

Wammer

Hi

Thanks for taking the time to reply.

Yes I called Aviva this morning and a very helpful chap has emailed me a letter confirming that I came to Aviva in 2011 with 6 years NCD and have has a further 2 years claim free.

Not perfect, as I had 9 years when I joined Aviva in 2009, but only 5 years at the end of that policy. However I am very grateful to get even 8 years confirmed.

We have both been with Aviva for 3 of the past 4 years, but I am very reluctant to take another policy with them due to them only issuing 5 years NCD at the end of the policy.