Provider insisting on a "letter of named driving"

So I've been a named driver for a few years as we only needed one car.
We now need two cars, so I got one and am trying to sort out insurance.
I got a policy, but as I have no no-claims bonus, I was asked to provide a "letter of named driving experience" to cover the last six years.
I have shared all the policy documents for 2017 through 2021 from one provider, and a letter from the other to cover the remainder (even though the guy had never actually heard of this letter before).
I keep asking the other provider, but they keep sending policy docs and no specifically written letter 

So the date for me to provide this letter (even though they have all the policy information already), passed 3 days ago and now the insurance company are now telling me that:
Your policy is due to cancel at any time as you are now passed your cancellation date. We cannot guarentee that your policy will be LIVE when you send your documentation to us. 

Is this familiar to anyone?

It seems a strange that the official policy document isn't valid, but that a letter is preferred.

Thanks in advance.


  • Ectophile
    Ectophile Posts: 7,233
    First Anniversary Name Dropper First Post
    Do not wait for them to cancel your policy, as you will then have to declare that to every insurer for the rest of your life.  If you can't get the letter they want, proactively cancel the policy yourself, and find another insurer.
    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
  • GrumpyDil
    GrumpyDil Posts: 1,565
    First Anniversary First Post Name Dropper Combo Breaker
    As above do not let the insurance company cancel the policy. If you can't provide the documentation either change the terms or cancel it yourself. 
  • If you split the main use roughly equally, the solution is to change which of you is the policyholder every year.

    NCB lives for two years off a current policy.

    Sure, you'll build it at half the speed, but you'll each still have it.
  • chrisw
    chrisw Posts: 3,369
    Name Dropper First Post First Anniversary
    When you say policy documents, I presume you mean the schedules or certificates showing you as a named driver. It does seem strange that they won't accept them. You are probably best off speaking to them directly to check they've received them, find out exactly what it is they want (it may even be something else) and hopefully delay or head off any cancellation process.
  • sheramber
    sheramber Posts: 18,636
    First Anniversary I've been Money Tipped! First Post Name Dropper
    edited 22 November 2023 at 10:01PM
    If you insured your car with the same provider as beFore they would have the information.

    Although you show a certificate showing you as named driver there is no proof that that was not changed throughout the year and you have shown the original certificate only.
  • Okell
    Okell Posts: 611
    First Post Name Dropper
    I'd simply ask your new insurer exactly what they needed.

    Then if the insurer who is currently covering you cannot provide what the new insurer wants, cancel the new policy yourself and find another insurer.

    Whatever happens you do not want any insurer to cancel a policy with you.  Cancel it yourself!
  • When I insured a powerful albeit imported car that needed specialist insurance, they wanted some driving experience.  I wrote a letter explaining the different cars I had owned in the last few years, as well as the length I had held my licence and that it was clean.
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