As some of you may already be aware I recently bought a very nice 07 Citroen C5 Exclusive
and I have been having some issues with Insurance companies, which I have learnt a few others have had similar problems.
I have been battling with my old insurance company via emails because they set a ceiling of 9 years NCB on all their policies
regardless of whether you joined them with more than 9 years NCB.
when your policy ends your NCB statement is reduced to 9 years and I recently found out that an extra 2 years NCB can save as much as £200
on your next insurance quote.
The insurance companies must know this and impose a ceiling of 9 years deliberately to keep the cost of their insurance products high.
Other insurance companies impose a ceiling of as much as 20 years NCB which to my mind is a lot fairer to the customer.
I have had excuses that the companies cannot talk to each other because of the data protection act and an apology
with an offer of £50 compensation for incorrect information given out on the telephone when I called my Insurers.
I have refused this compensation as I view my NCB loss of 2 years to be worth a lot more than a measly 50 quid.
I have had to make some fairly serious threats to take the whole matter to the Insurance ombudsman to ask that a ceiling
of 20 years becomes an industry standard right across the board.
and even though it may look promising that I have almost reached a conclusion except for the fact that one company is now
making excuses that they can email me the correct NCB amount of 11 years instead of 9 years but it may be tampered with or used
unlawfully if it is sent via email.

They are being about as difficult as they can be.

However even if my case is resolved I am very interested in finding out if others have had the same or similar experience with insurance companies
and if we should all club together with a pile of letters to the Insurance ombudsman and see if we cannot increase the NCB ceiling to at least 20 years worth... I would be very happy to collate all the letters/emails and send them off to the ombudsman.
Sorry to have to ask but can you please keep it to the subject matter and not go to far off topic as it makes it harder to back track for specific information if we do decide to
try to change the insurance industry ceiling so that it becomes a more level playing field for everyone by writing to the ombudsman.
Thanks for reading this and I hope you are interested in making a real difference for all our futures and ultimately the overall cost of our insurance premiums.
regards.
Nigel.