No Claims Bonus

fred246

I have had no claims on my motor insurance for over 30 years. So when I ask for a quote I always choose the highest number. On my schedule it says 15 years NCB, but my renewal says 9 years. On the same sheet of paper that says I have 15 years it says that the most they recognize is 5 years. Am I the only one who finds this all confusing? Can I have problems saying I have 30 years when my renewal only says 9 which looks like it will say 5 the next time I renew?

Scrapit

What are you hoping to gain from having 30 years over the recorded 15 years? Once max discount is applied the actually amount of no claims is irrelevant.

NottinghamKnight

Yes, you may have problems. You can only claim those years that your current insurer will record. 

fred246

I am bothered because my renewal notice says 9 years whereas my proposal says 15 years. Can that be seen as dishonest? The problem seems to lie with all the insurers having different policies.

AdrianC

"Here's a piece of paper that says I have 5yrs NCB. Please take it as proof that I have 30."

What could possibly...?

fred246

I have made no claims for 30 years. It's the insurance companies that can't be bothered recording it correctly. I have not given any incorrect information.

fred246

I could supply them with a copy of all the policies that I have had in the last 30 years and ask them to contact all the insurers to check that I hadn't made any claims. Do you think they would accept that?

Uptown_Boy

5, 9, 15, 30 years ... any reduction in premium between them is negligible so the nett result means that it doesn't really matter.

fred246

I know it doesn't make much difference but I don't want to give them an excuse not to pay a claim. If there is money to be paid out they will do anything to avoid paying.

Scrapit

fred246 said:

I know it doesn't make much difference but I don't want to give them an excuse not to pay a claim. If there is money to be paid out they will do anything to avoid paying.

The problem exists when you make things up, like in this post. No insurance company is gonna say "you have told us you had 30 years no claims, our form says 15. Its cancelled".
I'll ask again, what advantage do you feel 30 years no claims has over 15 when 15 is the maximum recorded and you have had the full benefit of all availible discount?

Car_54

fred246 said:

I know it doesn't make much difference but I don't want to give them an excuse not to pay a claim. If there is money to be paid out they will do anything to avoid paying.

Why not contact them and point out the minor error in the proposal?