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    • Chris_C2
    • By Chris_C2 11th Apr 18, 10:47 AM
    • 3Posts
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    Chris_C2
    NCD issues
    • #1
    • 11th Apr 18, 10:47 AM
    NCD issues 11th Apr 18 at 10:47 AM
    Hi all,

    I insured my car with AXA for a year, then moved onto Admiral which I was with for 2 years. When I got my NCD certificate from Admiral it only mentioned the 2 years I was with them for, not the previous year I was with AXA. So, I can only prove 2 years no claims, not 3. Has anyone else had a situation like this? I'm not sure what to do.


    Thanks,
    Chris
Page 1
    • Quentin
    • By Quentin 11th Apr 18, 10:56 AM
    • 37,323 Posts
    • 21,513 Thanks
    Quentin
    • #2
    • 11th Apr 18, 10:56 AM
    • #2
    • 11th Apr 18, 10:56 AM
    Assuming you used the I year when first going to Admiral (and thus they gave you 2 years at the end of your first year with Admiral) then ask them to correct their mistake.


    If that fails then raise a formal complaint which you can escalate to the FOS if unhappy with the reply (though if it comes to that then you won't get it resolved in time for your new policy - if you are successful get Admiral to reimburse you any extra cost their mistake has caused you)
    Last edited by Quentin; 11-04-2018 at 10:59 AM.
    • Chris_C2
    • By Chris_C2 11th Apr 18, 11:04 AM
    • 3 Posts
    • 0 Thanks
    Chris_C2
    • #3
    • 11th Apr 18, 11:04 AM
    • #3
    • 11th Apr 18, 11:04 AM
    Unfortunately I don't think I can, now. I insured with LV this last year, and I got stung with an additional 90 because I assumed (wrongly) that the certificate noted 3 years NCD. So when I get to the end of my year with LV I think I'll only have 3 years NCD, because that's the proof I gave them.
    • Nasqueron
    • By Nasqueron 11th Apr 18, 12:12 PM
    • 5,501 Posts
    • 3,391 Thanks
    Nasqueron
    • #4
    • 11th Apr 18, 12:12 PM
    • #4
    • 11th Apr 18, 12:12 PM
    When I moved to esure this year they sent me an email saying they had automatically verified my no claims discount online without providing any proof.

    I'd complain to the old insurer about the certificate then send it to the new one and ask for a refund
    • Nasqueron
    • By Nasqueron 11th Apr 18, 12:13 PM
    • 5,501 Posts
    • 3,391 Thanks
    Nasqueron
    • #5
    • 11th Apr 18, 12:13 PM
    • #5
    • 11th Apr 18, 12:13 PM
    When I moved to esure this year they sent me an email saying they had automatically verified my no claims discount online without providing any proof.

    I'd complain to the old insurer about the certificate then send it to the new one and ask for a refund
    • Chris_C2
    • By Chris_C2 11th Apr 18, 12:22 PM
    • 3 Posts
    • 0 Thanks
    Chris_C2
    • #6
    • 11th Apr 18, 12:22 PM
    • #6
    • 11th Apr 18, 12:22 PM
    I don't get why you should have to provide proof to some insurers. If there is some database where your no claims can be verified then why do they refuse to use it? Just to be difficult, I assume.
    Last edited by Chris_C2; 11-04-2018 at 12:22 PM. Reason: typo
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