NCB

PUD83

My partner is in the middle of changing over insurer, he has 18 years no claims which was provided to last insurance comp, they have now provided NCB proof with only 9 years (no +)as this is what they cap their discount at,  some agents have advised he would have to use 9 as that's all that can be proven   this  has significantly increased new quotes, is this right or is there anything that can be done about this? Thanks in advance

400ixl

I highly doubt it has caused any significant increase in itself. NCD is a marketing gimmick and pretty much all insurers give no more discount for 18 years than they do 9.

Insurance is generally up for many people and the maximum discount on a higher base price is still a higher price.

DullGreyGuy

PUD83 said:

My partner is in the middle of changing over insurer, he has 18 years no claims which was provided to last insurance comp, they have now provided NCB proof with only 9 years (no +)as this is what they cap their discount at,  some agents have advised he would have to use 9 as that's all that can be proven   this  has significantly increased new quotes, is this right or is there anything that can be done about this? Thanks in advance

It would be highly unlikely that stating 9 years would increase quotes, many insurers max out at 5 years and exceptionally few go beyond 9 years. 

For those insurers that buck the trend they know they are the exception and that most of their peers won't provide evidence to support them. They should be used to it and provide guidance, most typically it would be to submit the two proofs of NCD, the one last year showing 17 years and the one this year showing there had been no claims and therefore logically the NCD increases by one. 

If you are particularly nervous then contact the new insurer BEFORE buying and make sure they are comfortable with the split evidence or ask them how to handle it, they'll be dealing with it on a daily basis