No claims bonus

juk_2

Evening all. Quick question about no claims bonus on car insurance.

My situation is this; I was with Norwich Union from October 05 - February 07 (when my cambelt snapped on the motorway, scrapped car) and since then I haven't had a car.

I also did the 9 month insurance policy to get my 1st years no claims bonus quicker.

Now I'm looking to buy a car again I was a little confused about my 1 year no claims that I have.

I have the insurance certificate that says October 05 > July 06. I also have a letter saying your insurance is now ended on the 12th February 2007, or words to that extent.

My question; will these documents be enough to prove I have 1 years no claims? (first insurance certificate saying October>July06 and the letter saying insurance ended)

And also, my no claims runs out on February 12th 2008 right? As I doubt it holds indefinitely!

Many thanks for any help!

chivers1977

Call NU and they will send you proof of the NCD to forward to new insurer

missile

It is not usually necessary to provide "proof" as most insureres will check with your previous insurers using their database.

juk_2

Ah okay thanks guys!

lisyloo

My experience is that some can use the database and others need paper copies.

raskazz

lisyloo wrote: »

My experience is that some can use the database and others need paper copies.

There is no NCD database as such so most insurers ask for details of the policy that it is to be transferred from at inception; or check it when a claim is submitted.

lisyloo

There is no NCD database as such

OK, I don't know the exact details of how it works.
But I've certainly had cases where I have not had to submit paperwork before.

I have no idea of the mechanics e.g. phone, letter, email etc, but they've been prepared to check it for themselves (or take it on trust) rather than ask for the paperwork.

Maybe they just take it on trust and only check if you have a claim.
In this case it would be helpful if they let you know so that you keep your renewal notice. I'm pretty organised compared with most people but I'd probably dispose of it once knew the NCB had been agreed.

raskazz

lisyloo wrote: »

OK, I don't know the exact details of how it works.
But I've certainly had cases where I have not had to submit paperwork before.

I have no idea of the mechanics e.g. phone, letter, email etc, but they've been prepared to check it for themselves (or take it on trust) rather than ask for the paperwork.

Maybe they just take it on trust and only check if you have a claim.
In this case it would be helpful if they let you know so that you keep your renewal notice. I'm pretty organised compared with most people but I'd probably dispose of it once knew the NCB had been agreed.

Yeah, there are some that only check if you incur a claim.

Which is madness really, its wide open to abuse. Eg. someone with no NCD insures a car but declares 5 years NCD which is not checked at inception. He is lucky and completes the year claim free. Then he leaves to insure elsewhere but will have proof of 6 years NCD.

Other insurers do not ask for paperwork but still check at inception by asking you who your last insurer was. Then they call the last insurer to confirm it.

scope

raskazz wrote: »

Yeah, there are some that only check if you incur a claim.

Which is madness really, its wide open to abuse. Eg. someone with no NCD insures a car but declares 5 years NCD which is not checked at inception. He is lucky and completes the year claim free. Then he leaves to insure elsewhere but will have proof of 6 years NCD.

Other insurers do not ask for paperwork but still check at inception by asking you who your last insurer was. Then they call the last insurer to confirm it.

The same is true when a company gives you a bonus year to sign up with them, by the end of year 1 you suddenly have 2 years..

My wife got 1 year discount NCD when she first started, by the end of the year I sign her up with another company and told them she had 1 year (thinking the bonus year couldnt be brought forward to another company).. But when I sent through the paperwork from the first insurance company they refunded money saying I infact had 2 years.. I am sure the market if flooded with "bogus" NCD years.

lisyloo

The same is true when a company gives you a bonus year to sign up with them, by the end of year 1 you suddenly have 2 years..

It's not quite the same.

The scenario that raskazz mentions is fraud as it was based on a lie.
What your wife did was completely legal even though she didn't earn the NCB in the normal way.

I knwo what you mean by "bogus" but I think there is an important difference between the two situations.

richiethekid

Endsleigh won't send me proof of no claims. My policy expired in December and they failed to send a renewal notice. My new insurer, Insure, have since asked for proof of no claims, which I have requested from Endsleigh 3 times. Strangely enough, it still hasn't arrived. Insure say there's nothing I can do if they won't send it, though I suspect they're not allowed to do this. I've threatened Endsleigh with the Financial Ombudsman. Anything else I can do?