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no claims discount

akd1234
akd1234 Posts: 6 Forumite
Eighth Anniversary First Post Name Dropper Combo Breaker
in Motoring
I have just been told by Aviva that my NCD is invalid due to not having held car insurance for 24 months,result a 700 pound rise in premium.Keep your insurance up even if you are unemployed as i was.

Comments

  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    Thanks for that. Whatever it was.
  • Ad86
    Ad86 Posts: 107 Forumite
    Things like that are always stated in the terms and conditions.
    Pretty sure most companies have a 24 month "rule" for valid ncb.
  • martin_54
    martin_54 Posts: 36 Forumite
    Part of the Furniture 10 Posts
    churchill four years
  • dacouch
    dacouch Posts: 21,637 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    martin_54 wrote: »
    churchill four years

    What ya talking 'bout Willis?
  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Why is ncd disregarded after two years, when accidents and claims in the last five years need to be declared?
  • Quentin
    Quentin Posts: 40,405 Forumite
    martin_54 wrote: »
    churchill four years
    Nope.

    Cis do take it up to 3 years old
  • victor2
    victor2 Posts: 7,887 Ambassador
    Part of the Furniture 1,000 Posts Name Dropper
    Direct Line will do up to 3 years so long as the old policy was with them. From their FAQs:
    NCD can only be used on one policy at any one time, and must have been used on a policy within the last 2 years to be valid. However, we will accept NCD within the last 3 years if we were the last insurer.

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  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Norman_Castle wrote: »
    Why is ncd disregarded after two years, when accidents and claims in the last five years need to be declared?
    .............
  • Quentin
    Quentin Posts: 40,405 Forumite
    Why re-quote your own post? (Isn't it a rhetorical question anyway - you have to carry on buying policies to keep your NCD - shock horror!)

    (If you look you will find companies only wanting 3/4 years history of your claims, if that helps.)
This discussion has been closed.
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