NCB - And proof of?

Phil W

Phil W

Phil W

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When you change Insurance companies, say you have 1yr, and they ask for proof, you send it to them. Then they will register it on their system as 1yr ncb, correct?

I'm assuming that when you get a 2nd yrs with the new company, they put it down as 2 years, and they then will have proof of both years NCB?

When i took out my policy with my new company, they asked for proof of my years NCB. I phones Admiral (who i had a 10 month accelerator policy with) and they wouldn't send it to me as i hadn't been with them 2 years, tools.

Anyway, i took a surcharge on the policy and paid it off, however its still showing on the renewed details as me having 1yrs NCB.

So, my renewal is due in March, does this now mean that when they add 2007's NCB, i could, in theory, walk away from them with 2yrs NCB on paper?

Its obviously something they have overlooked or forgotten to remove, or could it be that i have paid for the mistake made, and they are letting me have the years no claims i *thought* i had?

Phil
 
Phil W said:
When i took out my policy with my new company, they asked for proof of my years NCB. I phones Admiral (who i had a 10 month accelerator policy with) and they wouldn't send it to me as i hadn't been with them 2 years, tools.




Phil
Click to expand...

Sorry am I reading this wrong?

What the hell is the point of a 10 month bonus accelerator if it takes 2 years for you to gain 1 years NCB?

Are you sure that is right?
 
Yep.

I challeneged it over the phone and by letter, they refused point blank to give me the proof of NCB. They said in small print was a clause that you had to be with them 2 years on 10 month accelerator (so 20 months in effect) to gain the NCB, and i voided that by cancelling after the 10 months.

I fought it for ages, and gave up in the end because they kept sending me the same letters.
 
My insurance history
10 Month accelerator with elephant - 1 years NCB
12 months with norwich union - 2 years NCB
10 months with admiral - 3 years NCB

Each time I changed they wanted to see the certificate from the previous insurer, but nothing before that.
No idea why they would be so lame as to do this to you. What company was it with?
 
Psycrow said:
My insurance history
10 Month accelerator with elephant - 1 years NCB
12 months with norwich union - 2 years NCB
10 months with admiral - 3 years NCB

Each time I changed they wanted to see the certificate from the previous insurer, but nothing before that.
No idea why they would be so lame as to do this to you. What company was it with?
Click to expand...

did elephant send you out a proper ncb certificate after 10 months then?
 
When I was 17 I had 1 Years NCB from Bennets (Bike Insurance)

I then used this with Direct Line for 1 year. When my policy expired, Direct Line then issued me with two years NCB. Which I have used on a new policy with Prudential.

Should I then go through this year without a claim. Prudential will release my 3 years NCB.
 
I was with Elephant on a 10 month accelerator and after the 10 months I switched insurer and was provided with a form stating proof of 1 years NCB. Unless they have changed their T&Cs they are having you on.
 
Phil W said:
Its obviously something they have overlooked or forgotten to remove, or could it be that i have paid for the mistake made, and they are letting me have the years no claims i *thought* i had?

Phil
Click to expand...


so just to summarise

you thought you had to take out the policy without the NCB, but the policy details say 1 years ncb ?

providing its the policy details your looking at, and not your renewal for march, then yes it sounds like they have

Your insurer probably phoned them, and spoke to somebody else who was a bit more clued up. I had this when i went with the AA, i didnt have proof of NCB as id lost my renewal, so they phoned my insurer and sorted it for me :)
 
Yeah - that sounds odd to me too

I had a 10 month policy with Admiral on my Astra - changed to Endsleigh after and Admiral gave me proof of 1 years NCB
 
Ahwell, can't be bothered with fighting it now, its over a year since and i'd probably still get the same reply..

So to summarise (from what i can gather) when March comes around, they will add another years NCB on, so it will infact say i have 2yrs NCB.

I thought i would have recieved the revised documents with 0 NCB on, but it still came with the 1yr NCB!
 
as long as your renewal comes through with "your premium with 2 years NCB is xxx" then its good enough for the other insurers usually.
 
Can insurers talk to each other?

I didn't send proof of my no claims (7yrs) but I did tell my current insurers my old policy number, I haven't heard anything back so I guess this is ok?
 
MrLOL said:
as long as your renewal comes through with "your premium with 2 years NCB is xxx" then its good enough for the other insurers usually.
Click to expand...

True.

For 2 years my NCB hasn't been updated, you just have to chase these issues up -.-
 
ive used 3 insurance companies now, not one has asked me to send them proof of my ncb? after reading some of these comments, it seems this is unusual.
 
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