Proof of no claims discount

Quentin

magoonexus7 wrote: »

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.

If you don't have the proof, how did you know how many years to claim when completing the application?

Whatever your proof says when you get it, it won't say "30 years"!

AS already advised, however you deal with this, don't let them cancel the policy! It will be a millstone for evermore.

DUTR

magoonexus7 wrote: »

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.

I'm with esure and yes they do ask for proof as do other companies,
the renewal invitation has the qualifiying no claims time.
You have 28 days to furnish esure with the proof, you must know who you are insured with.

Quentin wrote: »

If you don't have the proof, how did you know how many years to claim when completing the application?

Whatever your proof says when you get it, it won't say "30 years"!

AS already advised, however you deal with this, don't let them cancel the policy! It will be a millstone for evermore.

Indeed, one of the questions asked is have you had insurance cancelled? Possibly better off having 11 points on your license :eek:

scheming_gypsy

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:

why would the DVLA let insurance companies have access to their database?

mattyprice4004

magoonexus7 wrote: »

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.

Tell them to stick it then, but you'll have no car insurance, you'll lose money and you'll have increased premiums as you'll have a cancelled policy on your records.

Basil74 wrote: »

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:

Great idea, let's give all and sundry access to DVLA records with all our personal information. Nothing bad can come out of that at all.

Ultrasonic

mattyprice4004 wrote: »

Great idea, let's give all and sundry access to DVLA records with all our personal information. Nothing bad can come out of that at all.

What information is in the DVLA database that shouldn't already be being disclosed to car insurance companies?

Edit: it doesn't need to be that insurance company employees can trawl the DVLA database, rather than an insurance company has a means of entering a drivers details (name, address, date of birth say) to then be informed if an appropriate licence is held, and possibly what endorsements are on the licence.

goonarmy

OP are you saying you have full ncb but havent had insurance for the last ten months ie werent driving?
I thought breaks like that re-set your ncb to zero but with no claims agaisnt you.

patman99

Depends on how they cancel the policy. A workmate had his cancelled. His insurer sent a letter stating that the insurance was cancelled by request of the policy holder, thus no need to inform anyone.

Ultrasonic

goonarmy wrote: »

OP are you saying you have full ncb but havent had insurance for the last ten months ie werent driving?
I thought breaks like that re-set your ncb to zero but with no claims agaisnt you.

How breaks are handled varies with insurers I think, and gaps of up to 2 years can be OK with the right insurers IIRC.

goonarmy

Ultrasonic wrote: »

How breaks are handled varies with insurers I think, and gaps of up to 2 years can be OK with the right insurers IIRC.

Ok. My company uses company cars but a few of my colleuges are getting private cars now but have no ncb even with no claims agaisnt them. In some cases the new insurers are accepting letters from our company lease hire firm as evidence for no claims.

magoonexus7

My ex wife always handled anything to do with money. Basically i put money in our bank account and she took it out. I had money problems and sold my car so i haven't driven for ten months. I'm sure nobody has ever asked for proof of my no claims discount before so i assumed there was either a database available to them or they just hoped people would lie so they could avoid paying out. As i understand it i have a 14 day cooling off period during which i can cancel the policy and get a full refund. If Esure are going to insist on me sending proof i don't have it will probably be best to go to a company that won't ask. I had several very similar quotes so if anyone knows a company that won't ask to see proof please let me know and i will try them.