NCD for Home insurance ?

Biggie

NCD doesn't seem to be as straight forward for home insurance as it is for cars.


I have had contents insurance for 3 years (Including current year)
building insurance for 2 years. (Including current year).

Note: My bulding & contents has been on the same policy.


This year I had to make a claim for contents insurance so thought that this would leave me with 2 years contents and 2 years building.

Tesco my current provider can't tell me because they say they don't actually care or take into account NCD. They also say I won't get any for both building and contents from them because it's a joint policy and i've made a claim this year.

On Confused.com i'm unable to say no claims for 2 years for contents because of the claim this year.

Can anyone claify as i'm confused how much NCB for building and contents I have.

Surly I'm not left with 0 years for both just because i've made one claim in 3 years.

thanks

Biggie

i've been told that your NCB resets if you make a claim
so I believe I have 0 years for contents

But not sure about building is this also 0 even though I only made contents on a joint policy ?????

Biggie

any thoughts on this

olly300

It really depends on the insurer and what questions they ask.

For example some ask you have you had a claim in the last 3-6 years and then ask you how long you have had insurance for. I suggest you open the yellow pages and ring round.