no claims discount proof

numberthree

We have recently changed our car insurance over to Churchill (saving quite a bit of dosh).

They needed proof of our no claims discount so my hubby photocopied our renewal from our old company (More Than) which had the info on and sent it off. Lo, a letter came back saying a photocopy was no good!

Have now sent the original and surprise surprise they have lost it!!! (Thankfully I sent it Recorded so we know they have it - although I can't get the signature off the Royal Mail yet. I get the sinking feeling there is not going to be one available.)

Anyway, they say it is up to us to chase it up - urmmm, but they have it!! So we go round in circles and they want to charge our credit card with another £400!

Someone has told me though that they can actually contact More Than directly and just get the relevant info from them - is this so?

I'd be grateful for any views and advice

nomoneytoday

More than can supply another proof of NCD - easy peasy

paulos1969

as far as i was aware the insurance industry do have these links - they check and cross reference for fraud prevention purposes. A simple click of the mouse would easily solve their dilema. The post office should also have the name of the person who signed for the letter.

kitchen_buff

Have you cancelled with more than yet. If not call them and tell them you have not received the renewal docs and new price. If they say they can do it over the phone tell them you always read things before handing over the money. Also call back Churchill and tell them that you ahve spoken with royal mail and they have told you because it was signed for at churchill it is their responsibilty to find it.

raskazz

paulos1969 wrote: »

as far as i was aware the insurance industry do have these links - they check and cross reference for fraud prevention purposes. A simple click of the mouse would easily solve their dilema. The post office should also have the name of the person who signed for the letter.

There are no industry-wide databases of NCD.

moozikgal

Hi,

Just reviving this thread.... When I took out home insurance with HSBC last Dec, they matched/beat my renewal price from Liverpool Victoria.
At the time, I had 2 years contents and 1 year buildings (had been renting for a year).
However, the policy doc said 5yrs NCD which I just noticed when looking to renew this year!

Will this count as proof that I have 5 (now 6) years NCD when I take out insurance this year? If I state truthfully that I have 3/2 years NCD but they ask for proof and I send in the HSBC renewal note which says 5yrs, what will my new insurers say?

vikingaero

Some well known insurers don't even require proof of no claims. When you go online for a quote you can happily make up your own NCD. Fraudulent - yes. But weird that they are so lax.

shelly

moozikgal wrote: »

Hi,

Just reviving this thread.... When I took out home insurance with HSBC last Dec, they matched/beat my renewal price from Liverpool Victoria.
At the time, I had 2 years contents and 1 year buildings (had been renting for a year).
However, the policy doc said 5yrs NCD which I just noticed when looking to renew this year!

Will this count as proof that I have 5 (now 6) years NCD when I take out insurance this year? If I state truthfully that I have 3/2 years NCD but they ask for proof and I send in the HSBC renewal note which says 5yrs, what will my new insurers say?

I know that if you were talking baout a car then this renewal notice would be proof enough that you can say you have 5 yrs. It happened to us recently. One car had only 2 yrs NCB, we knew that,but the renewal notice said 5 years. On renewal I told the co that gave us the best quote that we had only 2 years but they said that as renewal notice said 5 yrs we could have 5 years discount. I wasn't arguing

I would assume its the same for buildings and contents but if in doubt, ask!

paulsin

vikingaero wrote: »

Some well known insurers don't even require proof of no claims. When you go online for a quote you can happily make up your own NCD. Fraudulent - yes. But weird that they are so lax.

Thats a great idea to save money. Until you need to make a claim and their require proof of your NCD, which you won;t be able to provide. Thus invalidating your policy, leaving you with potentially no car, and possible leagal action. Plus the fact that any future quotes will be sky high.
So worth it......

Steve1981

paulos1969 wrote: »

as far as i was aware the insurance industry do have these links - they check and cross reference for fraud prevention purposes. A simple click of the mouse would easily solve their dilema.

Im afraid this isnt the case, its not something that is in place-some companies will confirm details to a third insurer over the phone but money wont and also there is no unilateral system for checking ncd.

Steve1981

shelly wrote: »

I know that if you were talking baout a car then this renewal notice would be proof enough that you can say you have 5 yrs. It happened to us recently. One car had only 2 yrs NCB, we knew that,but the renewal notice said 5 years. On renewal I told the co that gave us the best quote that we had only 2 years but they said that as renewal notice said 5 yrs we could have 5 years discount. I wasn't arguing

I would assume its the same for buildings and contents but if in doubt, ask!

you wont be asked for evidence of no claims bonus on home insurance anyway, as a lot of insurers dont use it you will just be asked how many years you have held continuous insurance and been claim free, companies work on upmost good faith but if there is a claim you will be looked into