Obtaining Proof of No claims from Swiftcover before Policy expiration

sushigal491

Hi all,

Just wondering if anyone has any experience of this same situation and can let me know what the outcome was so I can relax...

I e-mailed Swiftcover asking how I could obtain proof of no claims from them (ready to send to my new provider)
As my policy with swiftcover doesn't expire until later this month, I can either print their renewal letter from my online account, which shows 9 years no claims.
Or once the policy has expired and I can still login to my swiftcover account for upto 30 days andrequest they send the no claims in the post.

When I opened the policy with SwiftCover I provided them with 9 years proof of no claims from my previous insurer, so I expect to now have 10 years no claims once the swiftcover policy expires later this month.

There fore I will have to wait until the policy has expired and then login and make the request for them to send me a letter with the proof, which I assume will state 10 years.

But from what I've heard on here about swiftcover, I'm half expecting to receive a letter showing 9 years!! Has anyone else been in my situation and received the correct proof after a year with swiftcover?

InsideInsurance

Most insurers use very old computer systems and they only count up to 9

I've never seen any insurer that gives any form of credit for anything above 9 years NCD and the majority only give credit for 5 years NCD. With all of them you go down to 3 years NCD following a fault claim.

If you look at many insurers websites they dont allow you to enter more than 9 years, some only allow you to enter up to 5 years and aggregators are often the same (though I see confused.com allows up to 15)

If you are that bothered about it almost all insurers will give you a letter with the "correct" figure on request but this will almost certainly become an annual task for you as most others are the same.

weejonnie

I would of course point out that you may have an accident between now and renewal date - which would invalidate your quote with the new insurer and your no claims bonus would be reduced.

That is why many companies don't issue proof of bonus until policy expiry.

malc_b

You could of course keep past renewal offer letters going back over the years. This would prove your ncd is 10yrs since if you have 2012's letter saying 9yrs and a 2013 letter also saying 9yrs that shows you have had 10yrs accident free as an accident takes you back 2yrs, and I think you also lose out on the year of the accident so renewal would say 7yrs.

InsideInsurance

malc_b wrote: »

that shows you have had 10yrs accident free as an accident takes you back 2yrs, and I think you also lose out on the year of the accident so renewal would say 7yrs.

Whilst "you lose 2 years" is the normal statement the reality is that if you have 5+ years then all insurers that I know of step you down to 3 years NCD. If you have 4 or less then it is a step down of 2 years.