Will I still get my NCD??

siannabell

I have just found out that Ecarinsurance have cancelled my policy a week before it runs out!
I have been having 'fraud' problems with my bank and for some reason it did not let my final car insurance payment go out. I did not know this until I was received a text message from Panacea finance informing me.
I rang Panacea, they told me that they had closed my account and sent it back to Ecar whom I could pay the outstanding balance. I then phoned Ecar who informed me that as it was only sent back to them that morning so they could not take any payment, I had to wait to receive a letter from them, then I could pay. They also told me not to worry as I will still be insured. This was last Tuesday and no letter? Actually I have received a letter.. my car key cover documents that I was suppose to get when I renewed my insurance last year, with an apology for delay due to an admin error!
I only found out that my insurance had be cancelled today as I was searching car insurance deals (as mine runs out next week) and I had to log in to Ecar to retrieve my cars reg plate.
I have emailed them the majority of this thread for info but it takes a while for them to respond. My main worry is my 2 years NCD, will I get them back??
I've only been driving for 2 years and I have only had insurance with this company so I dont know how it all works?
I would be grateful for anybodies help and wisdom.

bryanb

Don't really follow you, but if your policy has been cancelled you won't be insured.

Inner_Zone

siannabell wrote: »

I have just found out that Ecarinsurance have cancelled my policy a week before it runs out!
I have been having 'fraud' problems with my bank and for some reason it did not let my final car insurance payment go out. I did not know this until I was received a text message from Panacea finance informing me.
I rang Panacea, they told me that they had closed my account and sent it back to Ecar whom I could pay the outstanding balance. I then phoned Ecar who informed me that as it was only sent back to them that morning so they could not take any payment, I had to wait to receive a letter from them, then I could pay. They also told me not to worry as I will still be insured. This was last Tuesday and no letter? Actually I have received a letter.. my car key cover documents that I was suppose to get when I renewed my insurance last year, with an apology for delay due to an admin error!
I only found out that my insurance had be cancelled today as I was searching car insurance deals (as mine runs out next week) and I had to log in to Ecar to retrieve my cars reg plate.
I have emailed them the majority of this thread for info but it takes a while for them to respond. My main worry is my 2 years NCD, will I get them back??
I've only been driving for 2 years and I have only had insurance with this company so I dont know how it all works?
I would be grateful for anybodies help and wisdom.

You don't know your own cars registration plate details?

Cancelled insurance means no NCD for the current year and a premium on future insurance premiums as you will need to declare it on any new policy you take out probably for upto five years.

siannabell

I realize I am not insured, that is why I am in a bit of a panic as I now need to buy new insurance but I am unsure about my NCD. The price of insurance triples without any NCD (to more than my car is worth)

No I do not know my reg plate, for some reason it will not stick in my head?!

forgotmyname

Worse news.. You need to tick that box that you have had insurance cancelled. That will put a lot of the insurers off.

And others will want to charge a lot more. Fail to declare that and another cancelled policy will be on the way. Until nobody will insure you.