Prejudiced NCB to be returned?

algray

In April I had a vehicle accident claim which wasn't resolved when I needed to get my car insurance so I found the cheapest insurer and asked them to assure me that if the claim was settled in my favour they would refund me the difference. A Quote agreed to do so and I obtained two quotes from them based on the prejudiced NCB and one quote with my NCB restored. There was £130 difference.

I've now had my NCB restored but A Quote has said they would return £110. I queried this with them and they said it was because I subsequently had an act of vandalism on the vehicle, which I voluntarily notified them about even though I made no claim.

Are they within their rights to do this?

sinizterguy

Yes.

Your vehicle had an 'incident' that you informed them of. Whether you claimed or not is irrelevant.

Quentin

Assuming the vandalism occurred after the policy started running, then your premium would (with most companies) be unaffected by it until renewal.


So their "increase" of £20 doesn't look to be within their rights, but check your policy wording before instigating a formal complaint over this unfair "increase" (Which you can escalate to the FOS if you are unhappy with their reply)