Reduction in car NCD
When I renewed my policy with QuoteMeHappy in August 2022, I declared a claim with a different vehicle, not insured by Quotemehappy.
I also queried what NCD I would be entitled to on the (then current) policy ending August 2022. QMH confirmed it would be 7 years.
When I queried the premium on the new policy, that had reduced substantially in cost, I was advised that the previous claim with a different vehicle, not insured by Quotemehappy, had been taken into account.
I have just (April 2023) cancelled the renewed policy with QMH, as I sold the vehicle, and do not have a replacement.
The NCD that QMH provided showed only 1 year of NCD.
I queried this reduction. QMH have confirmed that because of the accident I had with another vehicle, not insured by Quotemehappy, and prior to the start of the latest policy my NCD was reduced by 6 years (I did not have protected NCD).
I haven't been in this position before, is this level of reduction normal?
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