Car insurance No Claims Discount

alfie1950

John_G_Jones wrote: »

I agree with the others, but if you still aren’t clear I’ll try to write the same thing in another way.

If you have one year bonus with a company and then move to another for a year you would have two years no claims, but this would not appear as one year from each, the second company would list you as having two years when you leave them.

Similarly in your case your second company should have started you with the one existing year from your first company and then added another year on for each year you are with them.

Trying to add on the first company’s bonus when you move would be double counting it.

Are you certain that company two never credited you with that year when you joined?

Remember, a partial year, even eleven months, tends to get you nothing if you leave.

At the end of the day they have only have what they written proof of on their latest renewal document.

mgfvvc

QuoteMeHappy are not penalising you for shopping around. In case it's not clear from previous posters, you should carry your NCD from one insurer to the next. The only way any insurer recognises NCD is what you had on your last policy. Anything more than 2 years ago should be accumulated on your last policy. If you haven't insurance for 2 years then all your NCD expires.

UserName123

^thats not what has happened overseas. The latest insurance doesn’t add it on. I’ve provided proof that I’ve had no claims for X years by letters dated from the companies dated this year.

alfie1950

Provide your last renewal document, which will show your current NCB , as long as it's dated within the last two years ....otherwise you've got no NCB.

notbritishgas

OP
when you take out insurance with a new company, on the application form you state how many years No claims you have.
You get this figure from the renewal quote from the previous insurer and it is added to the years with the new insurer.
So can you confirm that you told the new insurer that you had 1 years NCD?

k3lvc

UserName123 wrote: »

^thats not what has happened overseas. The latest insurance doesn’t add it on. I’ve provided proof that I’ve had no claims for X years by letters dated from the companies dated this year.

Will you explain !!!!!! 'overseas' has to do with this ? Are you trying to get a UK insurer to accept NCD from a previous overseas insurer ?

If anyone's to help you you need to provide as many details as you can

Caz3121

So you accrued 1 years no claims from one policy and then when you moved to a new insurance provider you started again at zero no claims? Why did they not include the one year NCD?
how long (years and months) did you have the policy with the last company?

John_G_Jones

UserName123 wrote: »

^thats not what has happened overseas. The latest insurance doesn’t add it on. I’ve provided proof that I’ve had no claims for X years by letters dated from the companies dated this year.

What relevance does the market overseas have?