AA Car insurance cancelled - due to missing their NCD proof request.

cw8825

I would be wary about Number 6. The correct advice would be to check with an insurer before buying 
AA may see it that way but another insurer could be entirely different. 

AFAIK any cancellation such as that would need to be declared. 

The cancellation la that don’t need to be declared are for a change of circumstances ie new car or new address. 

XRS200

On number 5  there is a database.  Perhaps AA don't participate. 

devondiver

Well, what do I know? Having just received chapter and verse on both these points from an Automobile Association Complaint Case Manager I can hardly argue the reverse. If that isn't getting it from the horse's mouth I'm not sure what is. 

Anyway - I will update again when I get written confirmation - hopefully to the great dissappointment of the naysayers. Hopefully!

XRS200

devondiver said:

Well, what do I know? Having just received chapter and verse on both these points from an Automobile Association Complaint Case Manager I can hardly argue the reverse. If that isn't getting it from the horse's mouth I'm not sure what is. 

Anyway - I will update again when I get written confirmation - hopefully to the great dissappointment of the naysayers. Hopefully!

What CW said is correct.  Just because AA view it non declarable doesn't mean all will.  They cant possibly speak for the whole market.  

devondiver

cw8825 said:

I would be wary about Number 6. The correct advice would be to check with an insurer before buying 
AA may see it that way but another insurer could be entirely different. 

I would be more than interested to see your evidence to support this view - as I have, so far, not found definitive evidence either way (other than what I present here today).

Note that it is not possible, AFAIK, to buy via online comparators (once you declare cancellation) and it will cost significantly more to do otherwise - in perpetuity (if you are correct) - including as a named driver on other policies, car hire, company car, etc. In perpetuity!

When pressed - the AA manager was very clear that failure to provide requested information counts as 'voluntary cancellation by the policyholder' - as opposed to 'cancellation by the insurance provider' which of course must be declared.

Also note that AA Insurance is a broker - dealing with numerous insurance companies so I would expect them to know their stuff across the board. But I am happy to be proved wrong (well maybe not happy happy in this case, but there you go ).

devondiver

XRS200 said:

devondiver said:

Well, what do I know? Having just received chapter and verse on both these points from an Automobile Association Complaint Case Manager I can hardly argue the reverse. If that isn't getting it from the horse's mouth I'm not sure what is. 

Anyway - I will update again when I get written confirmation - hopefully to the great dissappointment of the naysayers. Hopefully!

What CW said is correct.  Just because AA view it non declarable doesn't mean all will.  They cant possibly speak for the whole market.  

Evidence please. Please refer to my answer above. 

cw8825

havin worked in a broker previously I dont have evidence only experience.
This cancrllation would need to be referred to an actual underwrtier rathar than using the computer algorithms.

voluntary cancellation by the policyholder
unless you got in contac tand cancelled the policy before them, at no point did you volunteer to cancel the policy, unless i have misread the entire point of the thread

each insurer is going to treat it differently, some wont care at all you had a policy cancelled, some want details, some is a flat refusal

your best approach, get a quote saying you havent had a policy cancelled, then call the insurer in question and ask if it is relevant to them

devondiver

XRS200 said:

On number 5  there is a database.  Perhaps AA don't participate. 

Please specify the db to which you refer. My information is that there are various intra-industry dbs - none of which contain the information which we are discussing.

The fact that the insurance companies do not always request no-claim-bonus proof is what initially led me to the view that they have other sources from which to verify the information provided by the applicant/policyholder. However, it was explained at length to me (by the AA Insurance complaints manager) that they request NCD proof in most - but not all - cases; taking some application NCD information on trust alone. I hope this helps.

400ixl

devondiver said:

XRS200 said:

On number 5  there is a database.  Perhaps AA don't participate. 

Please specify the db to which you refer. My information is that there are various intra-industry dbs - none of which contain the information which we are discussing.

The fact that the insurance companies do not always request no-claim-bonus proof is what initially led me to the view that they have other sources from which to verify the information provided by the applicant/policyholder. However, it was explained at length to me (by the AA Insurance complaints manager) that they request NCD proof in most - but not all - cases; taking some application NCD information on trust alone. I hope this helps.

The database is run by Motor Insurers’ Bureau (MIB) and oddly is called the NCD Database. It is not compulsory for insurers to use it but an ever growing number do.  AA Insurance do use it which means they only have to ask for proof from customers moving from an insurer who don't.

https://www.mib.org.uk/media/594609/ncd-privacy-notice-16-june-2022.pdf

Its been around for quite a few years now and I can remember creating the batch interface to it when it first came out. Also ran an innovation workshop with MIB a few years ago and it was discussed as part of that then

cw8825

400ixl said:

devondiver said:

XRS200 said:

On number 5  there is a database.  Perhaps AA don't participate. 

Please specify the db to which you refer. My information is that there are various intra-industry dbs - none of which contain the information which we are discussing.

The fact that the insurance companies do not always request no-claim-bonus proof is what initially led me to the view that they have other sources from which to verify the information provided by the applicant/policyholder. However, it was explained at length to me (by the AA Insurance complaints manager) that they request NCD proof in most - but not all - cases; taking some application NCD information on trust alone. I hope this helps.

The database is run by Motor Insurers’ Bureau (MIB) and oddly is called the NCD Database. It is not compulsory for insurers to use it but an ever growing number do.  AA Insurance do use it which means they only have to ask for proof from customers moving from an insurer who don't.

https://www.mib.org.uk/media/594609/ncd-privacy-notice-16-june-2022.pdf

Its been around for quite a few years now and I can remember creating the batch interface to it when it first came out. Also ran an innovation workshop with MIB a few years ago and it was discussed as part of that then

https://risk.lexisnexis.co.uk/products/ncd-module - is one i have used in the past. 

back in my day BISL who sell AA insurance did not subscribe to it,