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

400ixl

Cancellations are also part of the Claims and Underwriting Exchange (CUE) database which is also run by MIB.

If they have registered the cancellation as a customer cancellation, then they would be correct in saying you don't need to declare it. It would be unusual for them the register it as such as that would be a fraudulent declaration on their part.

I would be insisting on getting that in writing, I would also follow the process to check what has actually been entered onto CUE. See https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

If it has been registered as an Insurer cancellation, then the AA expert has been telling you porkies. Just as they have for the central NCD database and their participation.

400ixl

cw8825 said:

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, 

That is one of the 3rd party aggregator services that many insurers use.

XRS200

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

Just puts doubt again on what the AA guy said - clearly wrong on that point.  

devondiver

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

Brilliant!! I'm sure many will be most interested in this. I look forwrd to checking it out. Thank you. 

devondiver

400ixl said:

 It would be unusual for them the register it as [voluntary cancellation] as that would be a fraudulent declaration on their part.

Not sure this necessarily follows. I can well believe that, somewhere in their T&Cs, it will say something to the effect that "failure to respond to our reasonable requests for important information will be treated as the customer not wishing to continue with the policy". Or, at least, this seems like a perfectly reasonable approach - applicable where there is no hint of potential skulduggerey by the customer.

I would be insisting on getting that in writing, I would also follow the process to check what has actually been entered onto CUE. See https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue/

I certainly intend to do both. Although, as mentioned earlier, with their record of getting emails or post to me, I am not holding my breath - and expect to have to be patient, and perhaps to nag them a bit.

If it has been registered as an Insurer cancellation, then the AA expert has been telling you porkies. Just as they have for the central NCD database and their participation.

I don't think I would go so far as to accuse anyone of lying. To be fair, it wasn't a brilliant phone line - and the guy spoke fast (in Geordie! 😱) so I'm sure I didn't catch everything he said. Perhaps I should ask for a transcript - but I don't expect it will be free.

Surely it's about time an industry insider chipped in with an incontrovertible account (and proof) of the points in contention. They must be out there somewhere - and this has important implications for many. Or perhaps the industry is fearful of providing useful information to the thousands of scumbags out there who persistently flout the law.

XRS200

devondiver said:

400ixl said:

 It would be unusual for them the register it as [voluntary cancellation] as that would be a fraudulent declaration on their part.

Not sure this necessarily follows. I can well believe that, somewhere in their T&Cs, it will say something to the effect that "failure to respond to our reasonable requests for important information will be treated as the customer not wishing to continue with the policy". Or, at least, this seems like a perfectly reasonable approach - applicable where there is no hint of potential skulduggerey by the customer.

The policy wording says that failure to provide proof of NCD is a reason that they can cancel the policy.

devondiver

XRS200 said:

devondiver said:

400ixl said:

 It would be unusual for them the register it as [voluntary cancellation] as that would be a fraudulent declaration on their part.

Not sure this necessarily follows. I can well believe that, somewhere in their T&Cs, it will say something to the effect that "failure to respond to our reasonable requests for important information will be treated as the customer not wishing to continue with the policy". Or, at least, this seems like a perfectly reasonable approach - applicable where there is no hint of potential skulduggerey by the customer.

The policy wording says that failure to provide proof of NCD is a reason that they can cancel the policy.

Is this the verbatim wording? I can't check my policy wording at the moment.

XRS200

devondiver said:

XRS200 said:

devondiver said:

400ixl said:

 It would be unusual for them the register it as [voluntary cancellation] as that would be a fraudulent declaration on their part.

Not sure this necessarily follows. I can well believe that, somewhere in their T&Cs, it will say something to the effect that "failure to respond to our reasonable requests for important information will be treated as the customer not wishing to continue with the policy". Or, at least, this seems like a perfectly reasonable approach - applicable where there is no hint of potential skulduggerey by the customer.

The policy wording says that failure to provide proof of NCD is a reason that they can cancel the policy.

Is this the verbatim wording? I can't check my policy wording at the moment.

It's on their website

The Insurer or AAISL may cancel this insurance if there are valid grounds to do so, these are:

• 1.
  You provide Us with inaccurate or incomplete information.
• 2.
  You fail to pay the premium.
• 3.
  You use threatening or abusive behaviour or language towards AAISL or Insurer staff or suppliers.
• 4.
  You make a change to Your information which renders the risk no longer acceptable for Us to insure.
• 5.
  You no longer own the Insured Car.
• 6.
  The Insured Car has been declared a total loss.
• 7.
  Failure to supply requested validation documentation (for example, proof of address, V5, proof of purchase, proof of No Claims Discount, Driving Licence of any named driver, Security certificate etc.).

devondiver

XRS200 said:

devondiver said:

XRS200 said:

devondiver said:

400ixl said:

 It would be unusual for them the register it as [voluntary cancellation] as that would be a fraudulent declaration on their part.

Not sure this necessarily follows. I can well believe that, somewhere in their T&Cs, it will say something to the effect that "failure to respond to our reasonable requests for important information will be treated as the customer not wishing to continue with the policy". Or, at least, this seems like a perfectly reasonable approach - applicable where there is no hint of potential skulduggerey by the customer.

The policy wording says that failure to provide proof of NCD is a reason that they can cancel the policy.

Is this the verbatim wording? I can't check my policy wording at the moment.

It's on their website

The Insurer or AAISL may cancel this insurance if there are valid grounds to do so, these are:

• 1.
  You provide Us with inaccurate or incomplete information.
• 2.
  You fail to pay the premium.
• 3.
  You use threatening or abusive behaviour or language towards AAISL or Insurer staff or suppliers.
• 4.
  You make a change to Your information which renders the risk no longer acceptable for Us to insure.
• 5.
  You no longer own the Insured Car.
• 6.
  The Insured Car has been declared a total loss.
• 7.
  Failure to supply requested validation documentation (for example, proof of address, V5, proof of purchase, proof of No Claims Discount, Driving Licence of any named driver, Security certificate etc.).

Interesting. Link?

XRS200

Its on their website