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I want by NCB back!
stefanski47
Posts: 1 Newbie
Hi!
In 2012 I had full No Claims Bonus, "over 9 years" it said on my policy.
We sold the car and we decided not to replace it, we live in London with frequent local buses and tubes, we travel free of charge, we used Uber for short trips, we rented a car whenever we needed to travel or we went by train. I didn't stop driving as we rented occasionally, but I also work 3 days a week driving a London bus.
In 2017 we bought a car again. Although the insurance companies confirmed they could see my history of NCB stretching back years, they wouldn't recognise it as there had been a break of 5 years and I'd have to start with Zero NCB! so I paid through the nose.
Now it's renewal time, after one year they're offering me 2 years' NCB. Better, but I had 9 years plus. After all, I'd been driving cars regularly and buses continuously, so it's not like I've become a novice and I'd love my full NCB back! Any ideas? Anyone?
Kind regards
S.
In 2012 I had full No Claims Bonus, "over 9 years" it said on my policy.
We sold the car and we decided not to replace it, we live in London with frequent local buses and tubes, we travel free of charge, we used Uber for short trips, we rented a car whenever we needed to travel or we went by train. I didn't stop driving as we rented occasionally, but I also work 3 days a week driving a London bus.
In 2017 we bought a car again. Although the insurance companies confirmed they could see my history of NCB stretching back years, they wouldn't recognise it as there had been a break of 5 years and I'd have to start with Zero NCB! so I paid through the nose.
Now it's renewal time, after one year they're offering me 2 years' NCB. Better, but I had 9 years plus. After all, I'd been driving cars regularly and buses continuously, so it's not like I've become a novice and I'd love my full NCB back! Any ideas? Anyone?
Kind regards
S.
0
Comments
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Go back in time and don't sell your car in 2012 :rotfl:
It's generally well documented that most companies will accept NCB with a 2yr break but you've had 5yrs. Accept what you've saved in that period of time and move on with life0 -
stefanski47 wrote: »Any ideas? Anyone?
Kind regards
S.
As above, give up and move on, You're not getting them back :money:0 -
I feel your pain
I have been driving 17 yrs and never had a claim on insurance.
The last 13 yrs I have been driving a company vehice - no claims made
I have just bought a car as I have moved from employed to self employed and have no no claims bonus.I am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Ring round insurers....some will take into account your company car car driving history although they may require evidence.
When I came off having a company vehicle I was lucky enough to be given 4 years NCD without giving any proof. That is a few years ago now and the most generous at the time was AXA.0
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