Loss of NCD after accident

Russ66

steffiraf said:

Car_54 said:

OP, have you pointed out to them that you have paid for NCD protection?

Yes numerous times

Having used AXA previously (Tho not made a claim) they give an "uninsured drivers promise" which is included with all comprehensive car insurance policies.
Therefore your NCD should not be affected even without the extra NCD insurance you bought.

steffiraf

daveyjp said:

Having been in this situation 25 years ago when my car was hit by a stoeln vehicle, I can assure you your insurance won't cost twice as much for 9 years.   The market is too competitive.  After the claim my existing insurance company  wanted silly money for many years, but other companies were happy to insure me for less than I had paid before the claim.

But do i put down 9+ years when searching or no NCD? It should be 9+ but i don't want to end up in a situation where they can void my policy for giving them the wrong information. Them saying my NCD has been disallowed says to me that they have removed all that i've built up. Or have i misinterpreted that?

sheramber

Make a complaint per the instructions in your policy document. 

If you are not satisfied with their response , or  they  do not reply within 8 weeks, you can refer your complaint to the Financial Ombudsman.

At present you will need to state  no NCB  as you have no proof . 

If AXA reinstate the 9 year’s NCB. Then you should be able to amend your new policy accordingly. 

steffiraf

sheramber said:

Make a complaint per the instructions in your policy document. 

If you are not satisfied with their response , or  they  do not reply within 8 weeks, you can refer your complaint to the Financial Ombudsman.

At present you will need to state  no NCB  as you have no proof . 

If AXA reinstate the 9 year’s NCB. Then you should be able to amend your new policy accordingly. 

Thank you. I will speak to them directly tomorrow and see what they say in person. I doubt they know their right hand from their left given how they have dealt with my claim thus far. I will definitely be lodging a formal complaint. Thank you again for the practical advice.

daveyjp

Russ66 said:

steffiraf said:

Car_54 said:

OP, have you pointed out to them that you have paid for NCD protection?

Yes numerous times

Having used AXA previously (Tho not made a claim) they give an "uninsured drivers promise" which is included with all comprehensive car insurance policies.
Therefore your NCD should not be affected even without the extra NCD insurance you bought.

Unfortunately from the info given this may not be a slam dunk as there is no evidence the driver was uninsured as whoever was driving ran off.   My situation was the same,  car stolen, crashed and everyone ran off.  With no one to charge or claim against it was down to me,

Aretnap

steffiraf said:

daveyjp said:

Having been in this situation 25 years ago when my car was hit by a stoeln vehicle, I can assure you your insurance won't cost twice as much for 9 years.   The market is too competitive.  After the claim my existing insurance company  wanted silly money for many years, but other companies were happy to insure me for less than I had paid before the claim.

But do i put down 9+ years when searching or no NCD? It should be 9+ but i don't want to end up in a situation where they can void my policy for giving them the wrong information. Them saying my NCD has been disallowed says to me that they have removed all that i've built up. Or have i misinterpreted that?

You will need to put down whatever NCD your renewal letter says you have. Usually even without NCD protection your NCD would not drop to zero due to a single claim - it would drop to three years. But ultimately what is on your renewal letter is what you have, unless and until they admit they have made a mistake. 

Just to confirm a couple of things: 

Have they actually reduced your NCD? "Your NCD is affected/disallowed" could simply mean that they are treating it as a fault claim and you have lost one of the extra "lives" that your NCDP provides, and that they have still credited you with 9+ years of NCD. What number is on your renewal letter? As mentioned NCDP is not a guarantee that your renewal quote will still be cheap after an accident; it's just a guarantee that they will give you a renewal letter that still says "9+ years NCD".

And secondly, do you definitely have NCD protection? Occasionally people think that they have it because "I always add it", but it turns out that they forgot to tick the box when they switched last year. Do your policy documents record the fact that your NCD is protected?

MyRealNameToo

The renewal states you still have 9 years NCD, the rest is talking about what happens if you have additional accidents now that you have used up one of your "lives" of the NCDP

MyRealNameToo

Russ66 said:

steffiraf said:

Car_54 said:

OP, have you pointed out to them that you have paid for NCD protection?

Yes numerous times

Having used AXA previously (Tho not made a claim) they give an "uninsured drivers promise" which is included with all comprehensive car insurance policies.
Therefore your NCD should not be affected even without the extra NCD insurance you bought.

1. This is an untraced driver not an uninsured driver
2. The OP has bought from Budget (or a brand operated by Budget), not Axa. Budget sets the terms which are the same across all their insurers which will be different than those buying directly from Axa

Aretnap

MyRealNameToo said:

The renewal states you still have 9 years NCD, the rest is talking about what happens if you have additional accidents now that you have used up one of your "lives" of the NCDP

Well spotted, yes it does. In my bleary eyed state I took that for generic information about NCD.

So the insurers have correctly credited the OP with 9 years NCD and all is as it should be. The only question for the OP now is whether he wants to accept the renewal quote or look elsewhere. If he looks elsewhere he can declare 9+ years NCD but will have to declare the accident as a fault claim (or a "hit by untraced/uninsured driver" claim if the new insurer offers that as an option.

MyRealNameToo

Aretnap said:

MyRealNameToo said:

The renewal states you still have 9 years NCD, the rest is talking about what happens if you have additional accidents now that you have used up one of your "lives" of the NCDP

Well spotted, yes it does. In my bleary eyed state I took that for generic information about NCD.

So the insurers have correctly credited the OP with 9 years NCD and all is as it should be. The only question for the OP now is whether he wants to accept the renewal quote or look elsewhere. If he looks elsewhere he can declare 9+ years NCD but will have to declare the accident as a fault claim (or a "hit by untraced/uninsured driver" claim if the new insurer offers that as an option.

Its a hell of a lot of fluff but some would say its good they are explaining it all properly, NCDP won't be discounted now that one of the lives has been lost but its arguably less valuable given one strike is down. Unfortunately the wood has possibly obscured the tree as it does ultimately state the NCD is still at 9/9+ 

Dont think the two are mutually exclusive, the OP can look elsewhere and then still auto-renew if they find the other prices arent sufficiently cheaper to switch seller.