Lost 9 Years NCB!
- Thread starter oHUTCHYo
- Start date
I knew about it because I'd read about it, but I actually think it's a little overly harsh. 20 years NCB with a 2 year gap? Back to zero you go! A bit odd. It would be more sensible if after 2 years it started going down a year or two for each year.
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- 11 Jun 2004
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Ouch! I kept my NCB when I migrated to the UK by having my old insurer (AMI) fax my records to DirectLine. Did the same when I moved back to NZ several years ago.
That sucks for the OP. Insurance has become a consumer unfriendly business!
I worked abroad from 1997 to 2000, and upon my return needed to insure a car. I found then that NCB had expired, however my new insurer accepted a written confirmation from my old (took a while to get this!) that I had been driving without claims for however many years it was - 5 I think.
Clearly they no longer do this?
Clearly they no longer do this?
I have two plans of attack;
i) Ring Directline again and beg...reminding them they had 9 years of my custom. I'll spea to a manger if I have to.
ii) Use a different insurance company, tell them I have 9 years and hope they dont ask for written confirmation (
)
i) Ring Directline again and beg...reminding them they had 9 years of my custom. I'll spea to a manger if I have to.
ii) Use a different insurance company, tell them I have 9 years and hope they dont ask for written confirmation (
)
Depends some brokers will allow this as A Plan did it when I lost 14 years worth when I had a company car for 3 years and then went to the car allowance. They asked for a letter from my work stating I'd still be driving and insured and also the previous insurer.
It's true that the industry standard is 2 years, but some can get around it. I did a similar thing in less-epic style last year - I applied for insurance 2 years and 2 days (oops!) after the date on my previous 2 years NCB, and of course the insurers gleefully rejected it as being out of date. I called a broker (Right Choice) and explained the situation, and they took the 2 years NCB back into account when dealing with the insurance parties. How long is yours over 2 years? I fear they probably won't be so accommodating if it is well over 2 years!
I have two plans of attack;
i) Ring Directline again and beg...reminding them they had 9 years of my custom. I'll spea to a manger if I have to.
ii) Use a different insurance company, tell them I have 9 years and hope they dont ask for written confirmation (
I'm pretty sure all insurance companies require proof of NCB from your previous insurer.
I had to scan and send my last confirmation letter when I changed earlier this year.
the option of hoping they dont ask for you rPOB is silly, as nigh on all insurance companies will ask and then you either pay the difference or pay the cancellation fee.
IMO i would ring directline, ask them if you send them proof of the 9 years you had and also a letter from the current insurance company stating that the you have been named on the policy from said date and have had no bumps or claim, would that be sufficent.
Speaking to a manager wont give you a different answer, as the people who answer the phones can do 80 % (imo of course) of the stuff a manager can do.
dont get worked up with them or start a shouting match as its not going to help and they already told you they wont accept it so you can only improve the situation
IMO i would ring directline, ask them if you send them proof of the 9 years you had and also a letter from the current insurance company stating that the you have been named on the policy from said date and have had no bumps or claim, would that be sufficent.
Speaking to a manager wont give you a different answer, as the people who answer the phones can do 80 % (imo of course) of the stuff a manager can do.
dont get worked up with them or start a shouting match as its not going to help and they already told you they wont accept it so you can only improve the situation
I've been driving 30 years and didn't know it. No reason to I suppose, always been insured.
