Can NCD mistake affect claim?

Ralph_G

On of my cars was stolen recently and now faced with the unenviable task of ploughing through the paperwork from the insurers. I'll admit to not being fully up to speed with how to apply my NCD - on closer look at the policies I've got it seems as though I've been applying NCD to the two cars that I own, when it would seem that from reading around various forums that I can't do this.I always use an insurance comparison site, where I seem to remember it just asks how many years NCD I have, and I'm now petrified that this will affect my claim for the stolen car. Anyone offer any advice please?

ciderboy2009

How long have you been with the insurer?
If a couple of years or more then you'll probably get away with it

Ralph_G

Only since December! Always shop around for the best deal!

Ralph_G

Should I call the insurer on the other non-stolen car, fess up to the mistake and pay the difference? That way I've applied the NCD correctly to the stolen car but not for the other one?

Nodding_Donkey

I can see a couple of outcomes to this:

None of them good as far as you are concerned but then when people get caught committing insurance fraud it actually helps the rest of us.

The ironic thing is that you probably would have been able to find a company that would mirror the NCD on a second car, albeit they probably wouldn't have been the ones with the cheapest headline rate.

Quentin

The "oldest" of the two policies now in force has your NCD.


So "fess up" to the insurer of the policy you took out more recently.

System

If you insured the stolen car after the one which wasn't then the insurer of the stolen car is the one you need to be calling and fessing up to because you said you had NCD which you didn't have as you had already used it on the other policy.

At best they reduce their payout or don't pay out at all and cancel the policy. At worst they contact the police and report you for insurance fraud.

Either way your next insurance on either car is going to be expensive as you're likely to have a cancelled policy and you'll have to declare that when applying for any car insurance.

AndyMc.....

Tarambor wrote: »

If you insured the stolen car after the one which wasn't then the insurer of the stolen car is the one you need to be calling and fessing up to because you said you had NCD which you didn't have as you had already used it on the other policy.

At best they reduce their payout or don't pay out at all and cancel the policy. At worst they contact the police and report you for insurance fraud.

Either way your next insurance on either car is going to be expensive as you're likely to have a cancelled policy and you'll have to declare that when applying for any car insurance.

https://www.cityoflondon.police.uk/advice-and-support/fraud-and-economic-crime/ifed/Pages/default.aspx

flashg67

Do insurers not check nowadays before issuing the policy - every time I've insured over the last few years, my insurer has either requested proof of NCD or, on the most recent occasion, somehow validated it online & emailed me to confirm it was in place

chrisw

The last one I did, they just emailed to say they might or might not require proof of NCD. I never heard anything more so i don't know whether they check online or whether they take it at face value until you want to make a claim.

es5595

When I had a second car and first got insurance, the insurer mirrored my existing no-claims onto it. Then for the subsequent years where I just used a price-comparison site it had its 'own' no claims bonus, and at renewal when I changed insurers they just asked for the previous renewal letter which showed proof of no-claims.

If this is your first year with two cars, it could be an issue, but if you're in the second year (even with a different insurer) your renewal letter from your previous insurer should state both your current no-claims and the car registration.