eSure Home Insurance - deletion of Building NCD history

CCM100

Hello,

Has anyone had Home insurance and found that upon renewal the NCD records are missing?  I had over 10 years NCD for both buildings and contents when i joined and no claims were made during the policy.  Now at renewal, eSure have advised they only recognise Contents NCD and will not provide any record of my Buildings NCD.

Interested to understand if this is common practice as this will inevitably force my renewal premium up if i wanted to move elsewhere?

Thanks!

vacheron

You don't say how long you have been with eSure, but can you obtain your previous insurers proof of buildings NCD which you could then provide along with a statement from eSure confirming that you have made no building insurance claims since being with them?

Aretnap

No Claims Discount is a marketing gimmick used by some insure to attract customers. In car insurance it has become ubiquitous and pretty much all insurers use it.

In home insurance it is a much less well developed concept. It wasn't a thing at all until fairly recently. Now some insurers have started to use it, but some haven't, and the ones that didn't use it aren't obligated to modify their IT systems to keep track of it for the benefit of the ones that do. 

For those that do use it, you may we'll find that the question they actually ask is asking the lines of "how many years have you held buildings insurance without making any chains". You can truthfully answer that without a formal "proof of no claims" document. If an unsure does insist on a renewal not which actually mentions no claims bonus, ask you can do is ask if they accept last year's renewal, along with evidence that you haven't claimed this year either.