NCD - partial year this year, and previous over two years old. What happens?

Tunstallstoven

XRS200 said:

Am i reading it right that RAC and Adrian Flux have both said you have 9 years?

Yes, you are reading it right.  But with Adrian Flux it was a phone call and she had to ask a supervisor.  I wasn't confident that she fully understood what I meant (most likely because I didn't explain it clearly to be fair).  And with RAC, although it was live chat I wasn't left feeling all that confident either.  I - like I'm sure many others - have been told one thing on the phone only to later find out I was given the wrong information.  With some companies you get a different answer every time you ask a different person.  

But besides all that, RAC and AF quotes are quite hefty.  Comparative new quotes are similar if I say I have 0 NCD.  But they get a lot cheaper if I say I have 9 NCD (and, of course, I'll then still have it in subsequent years).  So knowing what RAC will do RE my NCD if I decide to cancel and leave seems quite important.  

That's not to say I'm not over-complicating and over-thinking it - I have tendency to do that!  In fact, it feels about as natural as breathing    So I do appreciate your replies.  Many thanks

DullGreyGuy

XRS200 said:

You are massively overcomplicating this.  You had 9 years in Oct 2024.  You still have 9 years.

The issue is the fact that if RAC simply return the prior proof of NCD because its only been a few months that NCD is dated 2022 and so most insurers won't accept it any more because its over 2 years old. 

Tunstallstoven

On the plus side - RAC are saying that my NCD will remain as 9 years if I choose to leave.  That's a relief.  So an afternoon of new quotes methinks!  

On the downside, I knew they charged a £45 cancellation fee, but I've just been told they charge an additional £45 ISF (intermediary services fee).  Couldn't believe that!  So I'd get virtually nothing back for the six months left on the policy.  Bl00dy insurance!    

XRS200

DullGreyGuy said:

XRS200 said:

You are massively overcomplicating this.  You had 9 years in Oct 2024.  You still have 9 years.

The issue is the fact that if RAC simply return the prior proof of NCD because its only been a few months that NCD is dated 2022 and so most insurers won't accept it any more because its over 2 years old. 

Both RAC and Adrian Flux have said the OP has 9 years.  Take a policy with either if them for a year   - sorted.

DullGreyGuy

XRS200 said:

DullGreyGuy said:

XRS200 said:

You are massively overcomplicating this.  You had 9 years in Oct 2024.  You still have 9 years.

The issue is the fact that if RAC simply return the prior proof of NCD because its only been a few months that NCD is dated 2022 and so most insurers won't accept it any more because its over 2 years old. 

Both RAC and Adrian Flux have said the OP has 9 years.  Take a policy with either if them for a year   - sorted.

Certainly one option, but if they will provide a new NCD thats issued "today" then the OP has stated shopping around is showing much lower prices with 9 years NCD than either of the above are offering. 

Bit of a moot point now as it seems RAC have confirmed they'll issue a new NCD cert so the OP is free to move (well not fee free as their is a cancellation fee)

Tunstallstoven

XRS200 said:

Both RAC and Adrian Flux have said the OP has 9 years.  Take a policy with either if them for a year   - sorted.

But if I did that it might be a far more expensive policy than the competitors, which would go against the money saving ethos of this website  

UPDATE:  Plus what @DullGreyGuy has just added

Tunstallstoven

Just popping back to confirm that upon cancellation I received an email from RAC stating I had 9 years NCD.  So all good.  My new insurer is one that checks some kind of database for proof of NCD (so I don't have to send proof) and that was all good too.  

My NCD is preserved!!  

Still gutted I got charged £90 by RAC to cancel, but there we are! 

Thanks for all the help in this thread, much appreciated