Car Insurance NCB Uncertainty

Atypica

Hi everyone,

About 2 years ago I had a minor accident in a car park. Reported everything to the insurance and a few days later they informed me the other driver was trying to claim on the policy so I submitted my evidence (in my opinion he was at fault) and they said they would work it out.

A few months later having heard no information on the progress I emailed them asking for an update and they replied they were still processing it and would inform me of the outcome.

About 3 more months passed and the policy came up for renewal. The insurer sent me my renewal and proof of no claims for that year. I rang them up asking again about the claim and they said it was again still in process and they would tell me the outcome when they knew. I asked them how this could affect the no claims they just gave me proof of and they said that could be withdrawn later if it was found against me but they would let me know.

I found a cheaper quote elsewhere (telling them I had a claim with insurer A in progress) and used the NCB for them and they accepted it.

It has now been a year since then and my renewal is coming up and Insurer B has sent me proof of NCB for this year.

My question is do I now have 2 years NCB? Insurer A never wrote, called or emailed me in the past year to inform me of the outcome of the claim. Nor did they tell me if they were revoking the 1st years NCB or not.

I am asking because I want to switch insurer again (Insurer C) and have no idea what to tell them. On paper, as far as I know I have 2 years NCB but what if they revoked it and never told me and 6 months down the line Insurer C claims I knew and cancels my policy or something?

Sorry for the long post. Thanks in advance.

paddyandstumpy

What did insurer A say about the claim when you called them to ask?

angrycrow

What does the proof of bonus issued by insurer B say about how many years you have. This is the evidence you present to your next insurer. What insurer A say a year on is no longer relevant to current quotes.

Quentin

There is always a possibility that a previous incident can result in a claim long after the event - there are 3 years allowed for damage claims and 6 for injury claims

You disclose the incident as a no fault loss (which it is) and as already advised use the 2 years NCD your current insurer has given you

Atypica

The last time I called A (Just before switching to they told me that I could use the 1 year NCB for my new policy but to be aware of could be revoked when the claim was settled and that in that case I would have to tell B and that they may adjust my premium. They have not contacted me since and it’s been around a year.

Insurer B has given me my renewal which shows 2 years NCB

Should I just Quentin says and if they don’t contact me then I assume it was settled in my favour or would it be worth giving A a call now and ask for an update?

Thanks for your reply’s