Proof of no claims discount

magoonexus7

I bought a car insurance policy via a comparison site with Esure. I am 55 years old and have never made a claim in over 30 years driving. Esure are asking for proof of my no claims discount (after taking my money for the policy) and threatening to cancel and charge me a fee if i don't supply it. I don't have proof and can't remember the name of my last insurance company. I know it was about ten months ago and during that time i have moved home, had two deaths in the family, got divorced and had to deal with my seriously ill son. So car insurance is not high on my list of priorities. I assumed there would be some sort of database for this that they could check. I don't remember anyone ever asking for proof before. I feel like telling them to stick it. Any advice would be appreciated.

deanos

Be careful if they cancel the policy will cause huge problems getting insurance in the future, why not give Esure a ring and see if they know as i think all insurance works off the same database

Rolandtheroadie

How do you normally pay for your insurance?
If via Direct Debit or card payment, there must be a papertrail somewhere.
If cash, you would have had to go somewhere to do so. I'd think you would remember that.

OddballJamie

If you did it online, check back through your emails.

Also online or not, you will have made a payment either monthly or a one off to the company. Pop in your local bank and ask then to check back over your statements for a largish payment or a direct debit.

OddballJamie

scotsman4th wrote: »

How do you normally pay for your insurance?
If via Direct Debit or card payment, there must be a papertrail somewhere.
If cash, you would have had to go somewhere to do so. I'd think you would remember that.

Great minds ah.

Ultrasonic

As for proof, what people normally use is the last renewel quote which typically contains the stated number of years no claims discount. If as is likely here you no longer have this, once you have found out the name of you previous insurer as advised above, you will need to contact them to ask for a letter stating the number of years no claims to be sent to you.

You need to resolve this ASAP because as mentioned it will be bad for you financially if your current policy is cancelled.

Norman_Castle

Assuming you had email contact with your insurers in the past try typing, insurance, renewal or quote into the search function of your email provider.

Basil74

Cant really offer any further help, just wanted to have a bit of rant on your behalf!.. it does seem such an antiquated system that in this day and age where there seems to be a computer database for just about everything you still have to faff around getting your old insurer to write down your proof of no claims on a bit of paper, post it to you then you have to post it on to your new insurer.

Just to add to this my latest renewal are requesting to also see my full UK driving license.. again surely they have access to the DVLA database to see that I already hold one?!:mad:

Ultrasonic

Basil74 wrote: »

it does seem such an antiquated system that in this day and age where there seems to be a computer database for just about everything you still have to faff around getting your old insurer to write down your proof of no claims on a bit of paper, post it to you then you have to post it on to your new insurer.

I agree. Although I must admit it's been years since I've been asked to post proof of anything to a new insurer so I assume there is at least some data sharing going on in the background.

Quentin

Ultrasonic wrote: »

I agree. Although I must admit it's been years since I've been asked to post proof of anything to a new insurer so I assume there is at least some data sharing going on in the background.

Usually those that don't ask for proof do make it a condition that they may ask in the future.

That will usually mean if there's any claim against the policy they will be wanting the proof as part of their validation of your credentials before paying out.

Quentin

Basil74 wrote: »

....Just to add to this my latest renewal are requesting to also see my full UK driving license.. again surely they have access to the DVLA database to see that I already hold one?!:mad:

Just part of their fraud prevention mneasures.