NCB taken away non fault

Quentin

You do need to ensure your current insurer is aware of this "open" claim!

samcuddy123

They are aware of the claim but it has been a little while since I've spoke to my insurer directly , all of my recent communication has been with my solicitor , but I'll be ringing my insurer later to see if I can get it closed and hopefully get my NCD returned
Thanks guys

samcuddy123

Hi guys
So I spoke to my insurer and basically they said because she has 3 years to claim they have every intention of keeping it open until the date she cannot claim, I have now set up an official complaint with the financial ombudsman and I will see what they come back with
Thanks for your help

Quentin

You do need to have first made a complaint with the insurer before escalating to the FOS.

samcuddy123

I made a complain several months after the incident about them withdrawing my NCB, so I'm okay on that front! ��

Quentin

After making a complaint you only have 6 months (after getting a reply) to escalate to the FOS

samcuddy123

I've rang up a few times each trying to get my NCB back , each time complaints were raised or notes were added, some of which definitely within 6 months so shouldn't be a problem.

Mungo76

samcuddy123 wrote: »

Hi guys
So I spoke to my insurer and basically they said because she has 3 years to claim they have every intention of keeping it open until the date she cannot claim, I have now set up an official complaint with the financial ombudsman and I will see what they come back with
Thanks for your help

You shouldn't have much of a problem.

The claims department have probably not raised this as a complaint, just an "ongoing concern".

I'm not sure why an underwriter would want to hold a reserve for 3 years , sounds to me, like most PI departments, they have far too much work on and it's easier to fob you off with technicalities until they get around to closing the claim.

[Deleted User]

It sounds like the only way to resolve this if they refuse is:

1) FSO
2) Sue her for the increased premium

FutureGirl

OP. This is a fault accident. Pedestrians are rarely seen at 'fault', in my experience they're 'innocent' even if they just run out in the road. They may have a contribution towards the negligence, but never 100%. Therefore some fault will lie with yourself.

If you have not claimed then you should get your NCD back.

I can't see why the insurers want to keep the file open for 3 years - we only keep ours open for 3 months pending a claim from a potentially injured party.

I'm not sure who mojo is advising you to sue for the increased premium?