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    • Fell Walker
    • By Fell Walker 12th Jul 18, 9:24 AM
    • 1Posts
    • 0Thanks
    Fell Walker
    Admiral failed to reset my NCB after claim
    • #1
    • 12th Jul 18, 9:24 AM
    Admiral failed to reset my NCB after claim 12th Jul 18 at 9:24 AM
    Hi all
    New to the forum and looking for some advice. I have car insurance with Admiral for several years. I had an accident (my fault) in May 2017 and made a claim via Admiral.
    At renewal time in July 2017 I spoke to Admiral customer services for renewal. The representative asked me if I had made any claims in the last 12 months, and as far as I can remember I said, "only the one you already know about" - because I assumed he would have that information! I don't remember how much detail he asked about the claim, but I gave him all the information he asked for.
    The renewal offer in July 2017 still included my full 13 years NCB, I assumed that maybe the claim hadn't finished being processed, and assumed that I'd see a big hike in premium for 2018.
    But I've just received my renewal notice for 2018 and it is now saying I have 14 years NCB. As far as I know I have never requested NCB protection, so it looks like the claims department is not communicating with the renewals department.
    So my question is: is it my responsibility to point out that their NCB data is wrong, despite having mentioned the claim to them at last year's renewal time?
    Many thanks for your advice
Page 1
    • neilmcl
    • By neilmcl 12th Jul 18, 9:33 AM
    • 12,476 Posts
    • 9,207 Thanks
    • #2
    • 12th Jul 18, 9:33 AM
    • #2
    • 12th Jul 18, 9:33 AM
    I would definitely check that you haven't got protected no claims because without it you may find your NCD dropping considerably. I'm not sure how Admiral do it but you could end up with it dropping to 3 years. It is odd that you had a year added for the period you had a claim.

    Personally I wouldn't bother informing them, as long as you continue to declare this accident/fault claim on renewal.
    • Joe Horner
    • By Joe Horner 12th Jul 18, 11:19 AM
    • 4,577 Posts
    • 4,055 Thanks
    Joe Horner
    • #3
    • 12th Jul 18, 11:19 AM
    • #3
    • 12th Jul 18, 11:19 AM
    It's quite likely that, even if you haven't requested NCD protection, they've quietly added it on at some point where you forgot to specifically refuse it. They can be sneaky like that....
    • Quentin
    • By Quentin 12th Jul 18, 2:11 PM
    • 38,190 Posts
    • 22,214 Thanks
    • #4
    • 12th Jul 18, 2:11 PM
    • #4
    • 12th Jul 18, 2:11 PM
    Check your policy docs to see if the claim is shown amongst your history.

    If it is no probs!

    If not shown in your claim history then tell them immediately!
    • GunJack
    • By GunJack 12th Jul 18, 3:10 PM
    • 10,527 Posts
    • 7,881 Thanks
    • #5
    • 12th Jul 18, 3:10 PM
    • #5
    • 12th Jul 18, 3:10 PM
    They only charge 10-ish, maybe less, for NCB protection so it may well be on the policy even if you didn't notice. If it is, and you don't remember asking for it, they've done you a massive favour
    ......Gettin' There, Wherever There is......
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