Mistakenly gave wrong no claims discount

Ilovecupcakes

My car insurance was due to renew tomorrow so l got quotes a few weeks ago then rather hurriedly purchased one of the cheaper ones (with esure) this morning. I put in my no claims discount as 15 years which l genuinely believed to be the case as l have been driving for 15 & a half years. I’ve just been sent my proof of no claims from my previous insurer which I have now cancelled and it turns out l only have 13 years. It’s too late to call esure to let them know tonight but now I’m panicking that I will get into trouble and they may cancel my insurance (I know this needs to be declared) what will they likely do does anyone know? It really was a genuine mistake and l am owning up as soon as l found out 

SaverRate

They will likely adjust your insurance to 13 years and maybe an extra amount will need to be paid to cover the fees/additional premium. 

Ilovecupcakes

Thanks, I don’t mind paying a bit more. Will it likely be a lot more? ie. will they take advantage of my mistake and charge me lots more for the sake of 2 years? I’ve just realised why my ncd is 2 years less than expected, my car was hit whilst parked by a joyrider and written off 7 years ago, my ncd was protected but I think they took 2 years off it because it was recorded as me being at fault 

DB1904

HarryDavies01 said:

They will likely adjust your insurance to 13 years and maybe an extra amount will need to be paid to cover the fees/additional premium. 

 They'll probably charge but it's unlikely there's a difference in premium had the OP not made an error. 

chrisw

Ilovecupcakes said:

 I’ve just realised why my ncd is 2 years less than expected, my car was hit whilst parked by a joyrider and written off 7 years ago, my ncd was protected but I think they took 2 years off it because it was recorded as me being at fault 

It won't be this. If that was your only accident and the NCD was protected then you wouldn't have lost 2 years.

Even though you've been driving 15 years, have you only had a car for 13? Or it may be because once you get past about 9 years, some companies will only recognise 9 years maximum and it's possible to 'lose' a couple of years that way.

AdrianC

Massively unlikely there's a penny's difference beyond 8-9 years.

Jasonh2015

The claim regardless of fault is over 5 years, nobody cares 🤓 As for the ncd, most insurers max is 6/7 so 13 or 15 years ncb is highly unlikely to make a difference, it’s max ncd either way! 

Ilovecupcakes

Thanks everyone for the reassurance. I called esure this morning and was very apologetic for my error and the additional cost is a massive £1.16 on my premium lol so panic over