How to prove no claims discount on car insurance

iamana1ias

blue_z wrote: »

I need to know about my NCB because I am driving hubby's car since mine got wrote off in 2007,but I never lost my NCB because I wasn't at fault.
I contacted Saga,who were my insurers for my written off motor and was told that although I have been driving 3 years and she told me that I don't have any NCB anymore!
How can this be right?
She refused to access my file to help and now I'm wondering if I am driving legally.!
All this because the it will be cheaper for me to insure our car than for hubby who is 73.
Can anyone enlighten me please.
Thanks in advance.

Unless you've held insurance in your own name since 2007 then you no longer have any NCB. It only lasts 2 years (with the vast majority of insurers).

You don't usually build up transferrable NCB as a named driver.

sassy_one

A letter from your previous insurer or sometimes, they will often offer to contact your previous insurer on your behalf.

I get every year my insurance is due to end, a letter stating 'you have XX amount of years no claims, protected)
That letter is what you need to keep hold of

Hope that answers your question

thegrail

sassy-one wrote: »

A letter from your previous insurer or sometimes, they will often offer to contact your previous insurer on your behalf.

I get every year my insurance is due to end, a letter stating 'you have XX amount of years no claims, protected)
That letter is what you need to keep hold of)

Be very wary of Saga Motor Insurance. I switched to Saga 4 years ago when I had built up 6 years of NCD (I have the letter from my last non-Saga Insurance company). I applied online via the Saga web site where the only options were to select "1", "2", "3", or "4 or more" years. I selected "4 or more" years.

For the next 3 years the premiums from Saga were very competitive, but this year the basic premium has suddenly increased by 44% and the total premium (incl. NCD protection) by 41%, so I started looking elsewhere.

I thought I would now have 10 years of NCD, but when I asked Saga they said I only had 8 years - the 4 from my web application and the 4 more years I have been with them.

Saga have agreed to send me a letter stating the 8 years NCD so that I can transfer my NCD to another company, but I am also endeavouring to get them to agree to say I have the 10 years I really have.

Part of the problem with Saga Motor Insurance is that they do not state how many years NCD you have on the renewal notice.

If you have Saga Motor Insurance you should check how many years NCD they have on record for you.

In addition, in 2009 Saga Motor Insurance offered a price guarantee stating that if you found equivalent cover to the Saga policy they would beat the price. It now appears they no longer offer this, so they may well be losing my custom as I have found many other companies offering the same for significantly less - some also offering cashback so I will end up paying less overall with a new company than I paid Saga last year.

billgate

I have been told by my insurance agency "One Call Insurance" that because my last insurance company "Privilege Insurance" have lost my No Claims Bonus (NCB) then I will have to pay another £240 on top of the £350 that I have already paid.

This is the only time this has ever happened to me and I am at a loss to see how I can get round this scan. I say scam because the only proof that I have no claims bonus was sent in to the last insurance agency to prove that I over five years NCB. There is no mention of NCB on any other policy that I have, but, obviously the actual cost of purchase (at the time £189 for the year) must imply or prove to a insurance company that I had that amount of cover. I have tried to explain the cost of the last insurance, but, this was totally ignored. The irritating thing is that they get this money for doing absolutely nothing - I have claimed once in the last 35 years.

I must admit that the replies given on this site do me much hope of solving this rip off. I would urge people to send in good copies of the proof of NCB and keep the original to themselves, somewhere safe.

Yorkie1

There is always the Data Protection Act whereby you ask the company holding information about you to provide that information - check the ICO website but I think a request is called a subject access request or something similar. They have to provide you with the information.

atrixblue.-MFR-.

dacouch wrote: »

Protected no claims bonus does mean maximum no claims bonus

no it dont you can protect your ncb from three years on, just because its protected doesnt mean you have a full NCB.

dacouch

atrixblue.-MFR-. wrote: »

no it dont you can protect your ncb from three years on, just because its protected doesnt mean you have a full NCB.

If it was anything less than maximum no claims bonus, the renewal notice / proof of no claims bonus would state something along the lines of "Three years protected no claims bonus". Protecting anything less than maximum no claims bonus is relatively rare

For maximum protected no claims bonus, many insurers simply state "Protected No claims bonus". This is accepted as proof of (The original Insurers) maximum no claims bonus by some insurers. The accepting Insurers often have a note of other Insurers no claims bonus scale

JQ.

cyclonebri1 wrote: »

Just shows how things can vary, have to admit I've used probably 5 companies during that time, Directline for the last 12 years I think, never seen one there;)

Well, you've obviously not looked very hard. I've used Direct Line on multiple cars over the last 3 years and the level of NCD has always been clearly stated not the renewal notice. In fact I've just moved one car from Direct Line to a different company and used the renewal quote as proof.

cyclonebri1

JQ. wrote: »

Well, you've obviously not looked very hard. I've used Direct Line on multiple cars over the last 3 years and the level of NCD has always been clearly stated not the renewal notice. In fact I've just moved one car from Direct Line to a different company and used the renewal quote as proof.

And yet another ressurection thread, well it is easter after all.

yes JQ, you are correct. Probably because my own NCB has always read "max ncb over 5 years" (touch wood), I'd never noticed it;)

Marvel1

lisyloo wrote: »

I'm certain it's been there on all of mine and this is what new insurers use to check (normally).

Same here, for the past 7 years, with each different company it's on there on the renewal form.