Last insurer declaring wrong no claims

philmewagon

hi,

my car was written off in Feb (81 year old driving on the wrong side of the road!!).

as i had no car in late April i did not renew my car insurance.

Today i bought a new car!! Yay.

now the problem:

my last insurer (co-operative eco insurance) have given me my no claims proof. It says 9 years. I know I have more than this so i webchat with them and the rep says 'we only count 9 years'.

so immediately off the chat i get in touch with my previous insurer (Admiral) who kindly provided the details of my actual no claims - 15 years.

so Co-operative Eco Insurance should be providing me with evidence of (15 years plus my 1 year with them) 16 years no claims but they are only giving me 9.

the evidence from Admiral of the 15 years is dated 26/04/015.

How to proceed?

Im due to pick my car up a week today so i could do with a quicker solve than a long winded snailmail back and forth!

rs65

Is there much of a premium difference between 9 and 16 years NCB?

Usually anything above about 5 is more vanity than money saving.

agrinnall

It'll make no difference to your premium (most insurers don't have the ability to ask for double digit number of years), but you have the proof of greater than 9 years NCD anyway, just in two documents rather than one.

philmewagon

when i change the ncb from 9 years to 16 years i see an 80 pound difference on my lowest quote, so yes its making a difference.

i just dont see how my last insurance company can possibly just 'remove' 7 years ncb from me!

btw thx for replies

philmewagon

I've fired this off, along with proof from the last insurer, best i can do under the circumstances!

_____________________________________________
to whom it may concern,

I spoke to one of your live-chat agents about this the other day and would like a swift resolution to this issue.

The agent stated that your company only recognizes 9 years no claims and as a result my no claims proof would show 9 years.

Since I came to you with 15 years no claims I expect to see a proof of no claims that states 16 years.

Using comparison sites the difference between 9 years and 16 years NCB is costing me 80 pounds on my lowest quote.

This is unacceptable.

I am in the process of buying a new car. I expect to be insuring this car to start on 12/05/2016. If I end up paying any additional costs because your no claims proof is incorrect I will take necessary steps to recover the difference.

Please amend my proof of no claims to reflect my full 16 years NCB and either email it to *****@live.co.uk or return a paper copy to the address above.

Thank you,

yours faithfully,

jobdone1

Your are correct it's does make a difference because some insurance companies accept more than nine years admiral is one and it does make a premium change. This is something that does need a clear and transparent approach across the insurance industry. NCD is a joke you can have unprotected ncd of 16 years have a fault prang and drop back to three years madness. Time to change to a different system I think what that could be I not sure.

iainscomputer

I have full no claims bonus, but like you think the whole system is flawed. Mainly for these reasons.

Only able to use on one vehicle.
Invalid if not used for two years.
Quite often not available if driving a company car.
Only available for full years.
I would prefer a system that just took into account any previous claims & the date the driver passed their driving test.

My wife was given 8 years NCB for being a named driver on my policy for 2 years, explain that? I only asked if they would give her the 2 years anyway!

single_lonely

iainscomputer wrote: »

I have full no claims bonus, but like you think the whole system is flawed. Mainly for these reasons.

Only able to use on one vehicle.
Invalid if not used for two years.
Quite often not available if driving a company car.
Only available for full years.
I would prefer a system that just took into account any previous claims & the date the driver passed their driving test.

My wife was given 8 years NCB for being a named driver on my policy for 2 years, explain that? I only asked if they would give her the 2 years anyway!

What did you do in the end regarding your wifes NCD.


Ive recently been given 15 years instead of 1 year for my second car. Would you say this is correct?
Thanks for you help.

mattk_180

iainscomputer wrote: »

I have full no claims bonus, but like you think the whole system is flawed. Mainly for these reasons.

Only able to use on one vehicle.
Invalid if not used for two years.
Quite often not available if driving a company car.
Only available for full years.
I would prefer a system that just took into account any previous claims & the date the driver passed their driving test.

My wife was given 8 years NCB for being a named driver on my policy for 2 years, explain that? I only asked if they would give her the 2 years anyway!

Sounds like you got a lucky break on the 8 years, although I would slightly disagree with your other point of date drivers passed their test. What would happen if someone passed their test 20 years ago but haven't stepped in a car since? Would they then be entitled to 20 years NCB by your reckoning?


OP - I would speak to the new insurer if you have no luck. This is not an uncommon thing and when you explain, providing you can provide both sets of proof then they may accept it. At a minimum the current insurer should at least write a letter explaining "At the time of taking out insurance, Mr X provided us proof of 15 years, although we only go up to 9".