Car Insurance NCD Proof - Rejected?

Thrugelmir

Aretnap said:

Thrugelmir said:

daveyjp said:

chrisw said:

I'm surprised you still had 8 years NCD following a presumably own fault accident in 2008. Most insurance companies, regardless of considerable NCD, would drop it to 3 years following an incident.

As long as you have a letter confirming it only dropped to 8 years then I guess you're good to go.

Protected no claims?

An accident is still an accident from an underwriters perspective at a new insurer.  

But a no claims bonus is also still a no claims bonus. 

Premium gets loaded higher before discount is deducted.  Does that make more sense. 

Aretnap

Thrugelmir said:

Aretnap said:

Thrugelmir said:

daveyjp said:

chrisw said:

I'm surprised you still had 8 years NCD following a presumably own fault accident in 2008. Most insurance companies, regardless of considerable NCD, would drop it to 3 years following an incident.

As long as you have a letter confirming it only dropped to 8 years then I guess you're good to go.

Protected no claims?

An accident is still an accident from an underwriters perspective at a new insurer.  

But a no claims bonus is also still a no claims bonus. 

Premium gets loaded higher before discount is deducted.  Does that make more sense. 

The point was that it's entirely possible to have 20+ years of NCD despite having made a claim in 2008. Some people on the thread seem to think that it isn't. (Whether any insurer will give him extra credit for that many years is a different question). 

A claim from 2008 will not have to be declared now so won't make any difference to his premium, with or without the 20 years NCD. 

Marvel1

I just put whatever my renewal says, if 9 input 9,  if they state 13, then I input 13.

Penelopa.Pitstop

societys_child said:

I haven't found an insurer who discounts more than 9 years no matter how many years you can evidence.

Always been told 9 years is maximum, even if there is drop down box on their site which lists 20 years or more.

Admiral goes above 9 years max. I'm currently at 11 and 13 NCD with them. Which in itself is stupid, because it looks like I lose 2 years of experience when I drive one car and gain them back, as soon as I drive the other car. I'm only driver on both and can't drive them at the same time, so should have the same level of NCD on both cars.

Jumblebumble

daveyjp said:

Once you get to 10 its irrelevant, hence why 9+ is stated.

I am sorry to say you made this up
Why would Sainsburys be making this fuss if there was no difference ?

Recently I had the personal experience  with Swiftcover who made a distinction between 11 years and 20 Years NCD 

It raised the premium by about 5%

spaniel101

Thank you all for your helpful advice.  Sainsbury's were very swift in coming back to me and after a few messages back and forth, have accepted my 13 years worth of evidence and performed a mid-term adjustment (graciously free of charge), to a NCD correction of 21 years and reissued the appropriate schedule/statement/certificate .  They didn't reduce the premium (paid upfront) but there again, I didn't expect them to, just needed it to be accurate moving forwards, lesson learned!  Many thanks again.

 

Grumpy_chap

Glad it worked out for you.

dunstonh

spaniel101 said:

Thank you all for your helpful advice.  Sainsbury's were very swift in coming back to me and after a few messages back and forth, have accepted my 13 years worth of evidence and performed a mid-term adjustment (graciously free of charge), to a NCD correction of 21 years and reissued the appropriate schedule/statement/certificate .  They didn't reduce the premium (paid upfront) but there again, I didn't expect them to, just needed it to be accurate moving forwards, lesson learned!  Many thanks again.

 

And always keep a copy of that and future renewal notices so you can provide evidence in the future, if required.  You wont be required every time but have it just in case.

spaniel101

Thanks Dunstonh, I have printed off all, their original (incorrect 15 years NCD & Hastings prior proof of '9 or more') and this new one.  So glad I am the sort of person who keeps 'everything!'. 

Still... im half expecting them to come back next year with a NCD Proof of '9 Years OR MORE' and i'll be back to square one (the telephone conversation was 'interesting' with clarity difficult to establish, they admitted it's a "bit of an insurance nuance" but nonetheless agreed with my statute 21 years).  Im hoping that won't be the case given its now on the schedule in black and white as I don't fancy having to do that every year!

dunstonh

spaniel101 said:

Thanks Dunstonh, I have printed off all, their original (incorrect 15 years NCD & Hastings prior proof of '9 or more') and this new one.  So glad I am the sort of person who keeps 'everything!'. 

Still... im half expecting them to come back next year with a NCD Proof of '9 Years OR MORE' and i'll be back to square one (the telephone conversation was 'interesting' with clarity difficult to establish, they admitted it's a "bit of an insurance nuance" but nonetheless agreed with my statute 21 years).  Im hoping that won't be the case given its now on the schedule in black and white as I don't fancy having to do that every year!

As long as you can produce your history showing the full period then it will be fine.  Just remember that in the majority of cases you wont be achieving any more bonus after 6-9 years.  It is just a paper exercise with the majority.  Only a tiny number go longer.