Has anyone else had the problem where you start a policy with a certain amount of no claims discount, say 10 years, and when the policy ends they try to fob you off with proof of NCD for 5 years.
I've fallen foul of this scam 3 years ago and lost 2 years as I didn't notice. Last year I had a week long argument with the insurer and finally got my letter when I started a civil case against them for the difference in cost of insuring me with what they'd given me in NCD versus what I had actually earn. This year I have just spent an hour and a half on the phone arguing with Hastings that if I started with 10 years NCD then I finish with 11 rather than 9.
Watch out for it as different campaniles give different maximum NCD discounts, some cap it at 6 years so if you go in with 20 years NCD they may try to give you 7 years on the way out. As other companies tend to go for 9 years as a max with the highest I've seen being 12 this could cost you money.
Insurance NCD
Moderator: RichardW
- chinkostu
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Re: Insurance NCD
Ah, worth noting that. I'm coming up to 8 years NCD so i'll have to keep my eye on any documents!
Stu
Cars
1995 Xantia 1.9TD SX in (faded) Red
2003 Fiesta 1.4 Zetec in GREEEEEEEN
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Cars
1995 Xantia 1.9TD SX in (faded) Red
2003 Fiesta 1.4 Zetec in GREEEEEEEN
2001 206 1.9 LX
2001 Saxo VTR
1999 Saxo 1.1 East coast
1999 Punto
1996 306 1.8 XN Auto
1996 Fiesta 1.3
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Re: Insurance NCD
I don't think anything over five years really matters, it was always the case that maximum NCD was allowed to those with five years or more claim free.
Some of the online forms allow you to tick boxes up to nine years but I doubt it gets you a much better deal than five years.
I've got over forty years so mine should be free.
Some of the online forms allow you to tick boxes up to nine years but I doubt it gets you a much better deal than five years.
I've got over forty years so mine should be free.
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Re: Insurance NCD
I'm abit worried about mine as I've not used it for 2 years (no car) so when I come to get one if I can still use it or not. They did say about a year ago it was OK but I'd guess I'd have to go to the same (expensive) place to do this. A bit of shopping around may be needed to determine this or not, at least I have proof.
Andy.
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Re: Insurance NCD
NCD normally has to be used within 2 yrs of last policy expiry date so i'm guessing you'll need to 'negotiate' a new starter rate.
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Mike
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Re: Insurance NCD
Was the other way round with me, started with No NCB and finished the year with 9 years NCB, The extra 8 years made no difference to the premium at renewal time when 'playing' on a well known comparison site, no the not the annoying singing one nor equally annoying one with a certain breed of animal
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Re: Insurance NCD
I go with the best price regardless of NCD so I wouldn't argue unless its ridiculously short.
Peter
Peter
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Re: Insurance NCD
I have used Chris Knott on and off over the years. It's mainly phone call stuff unless you are renewing. They always answer the phone very quickly and the tele girls are very pleasant and usually try and get the best deal. You can haggle a bit as well.
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Dave
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2011 Peugeot 3008 1.6hdi Exclusive EGS.
'04 C5 auto estate 2.2 hdi. Gone.
Bx 1.6 TGS Auto 50k A rare beast by all accounts. A bit tired but getting better by the day. Gone.
'96 XM 2.5TD VSX.......Sadly sold. What an idiot! I should have held on to that.
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Re: Insurance NCD
I do mine on line, it means a lot of from filling but at least you know you have all the details correct.
Peter
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Re: Insurance NCD
Yep, I had this problem last year - it's the big cheap firms that do it (typical abuse of power/you're just a number mentality) albeit you get what you pay for... I think it was tesco insurance from memory (one of my cars currently with them). I exchanged stuff in writing with them (email), got no joy so rang them and got an answer, which I then got them to follow up by return e-mail (which, surprisingly, they did).
Their excuse was that their system didn't issue standard documentation saying anything over 10 years, but the system did record the correct number and they could issue a letter confirming the correct number (which I got from them).
As for nothing over 5 years being recognised, that's not the case these days - insurance risk assessment has got much more complex these days than it used to be...
Their excuse was that their system didn't issue standard documentation saying anything over 10 years, but the system did record the correct number and they could issue a letter confirming the correct number (which I got from them).
As for nothing over 5 years being recognised, that's not the case these days - insurance risk assessment has got much more complex these days than it used to be...
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Iain
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Iain
1x '85 CX GTi Turbo s1 (metallic blue)
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- chinkostu
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Re: Insurance NCD
My cheapest quote is tesco funnily enough, i'll keep an eye on that!
Stu
Cars
1995 Xantia 1.9TD SX in (faded) Red
2003 Fiesta 1.4 Zetec in GREEEEEEEN
2001 206 1.9 LX
2001 Saxo VTR
1999 Saxo 1.1 East coast
1999 Punto
1996 306 1.8 XN Auto
1996 Fiesta 1.3
Cars
1995 Xantia 1.9TD SX in (faded) Red
2003 Fiesta 1.4 Zetec in GREEEEEEEN
2001 206 1.9 LX
2001 Saxo VTR
1999 Saxo 1.1 East coast
1999 Punto
1996 306 1.8 XN Auto
1996 Fiesta 1.3