Proof of no claims discount

goonarmy

magoonexus7 wrote: »

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.

Explain to esure you dont have proof and see what they say. Do this within the cooling off period.

Quentin

magoonexus7 wrote: »

..... 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.

It's pointless guessing your NCD and finding a company that doesn't initially ask for proof.

If you end up claiming or getting a third party claim against you, all your profile will be closely checked, and you will be asked to prove any NCD you claimed and which went through on the "nod".

You can get copies of bank statements much older than 10 months.

You must have had a cert. from your insurer. (How was your tax bought?)

Ultrasonic

magoonexus7 wrote: »

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.

As Quentin said, DO NOT do this. If you end up making a claim you could well find that the insurance company will then ask for proof, and won't pay out if/when you can't provide it.

One way or another you need to find out who your previous insurer was and then contact them to request proof of NCD. There is simply no other sensible course of action here.

Whether esure may be able to help you with finding out who your previous insurer is I'm not sure, but it is definitely worth trying. If not the sensible options are looking for payment details as suggested above, or of course asking your ex wife.

Johno100

magoonexus7 wrote: »

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.

Only if your policy has not commenced. If it has commenced then you will need to pay for the period of cover plus an admin fee.

mutley74

magoonexus7 wrote: »

My ex wife always handled anything to do with money. .

ouch was she planning this for sometime (the divorce)

can you not ask her for insurance details, tell her you need to know for car insurance legal purposes nothing else.

magoonexus7

mutley74 wrote: »

ouch was she planning this for sometime (the divorce)

can you not ask her for insurance details, tell her you need to know for car insurance legal purposes nothing else.

I think she probably was. I haven't spoken to her since and i don't even know where she is. I just did another check on a comparison site stating i had no no claims discount and Esure quoted me £220 more than my original quote. If i contact them and explain the situation i suppose the worst they can do is charge me the extra. Looks like my wife is still bleeding me dry.

mutley74

magoonexus7 wrote: »

I think she probably was. I haven't spoken to her since and i don't even know where she is. I just did another check on a comparison site stating i had no no claims discount and Esure quoted me £220 more than my original quote. If i contact them and explain the situation i suppose the worst they can do is charge me the extra. Looks like my wife is still bleeding me dry.

make sure you put a stop on any joint accounts, and setup your own account, and take legal advice!

scheming_gypsy

mutley74 wrote: »

make sure you put a stop on any joint accounts, and setup your own account, and take legal advice!

stop on accounts? he got divorced in his first post.