insurance question

Jonnybmac · 3 Apr 2013 at 19:43

i had a little bump last year, which effectivly caused me to loose 3 years no claims, leaving me with only 1 years no claims bonus. i renuwed my insurance in january with tescos, and sent them my 1 years proof of no claims. they've now sent me a letter saying it isnt sufficient as the date isnt shown/does not tally up with the date of my policy with them.
I therefor had to phone churchill who was my previous insurer for another no claims confirmation. they've sent me this out in the post.

upon recieving this, they havnt taken into account my crash, and therefore it states i currently have 4 years no claims bonus, and no claims were notified from the end of my policy.

what can i do? ive already told tescos ive been involved in a crash, and told them it cost £800 to fix. do i just send them this and let them deal with it, be it deduct my premiums based on the 3 years extra no claims, or do i cancel the insurance and go elsewhere with this 4 years no cliams bonus. would this be classed as fraud? could they tell elsewise that id had a crash? id imagine not due to asking for proof in the first place.

this is obviously a genuine letter so im weighing the odds up

Steve2000 · 3 Apr 2013 at 20:34

Yes it's fraud. If you've made a claim on your insurance without declaring it, it will bite you in the arse if you ever need to make another claim as they'll find it out on the system. You'll then have your insurance declared void.

It's not worth it just to save a few quid.

Jonnybmac · 3 Apr 2013 at 20:35

yeah ive just been reading about it. i guess ill just send the letter to tesco and see what they have to say back as theyre threatening to cancel my insurane without proof of no claims.. so dont have time to wait for churchill to send another. ill just explain that ive had a crash and to contact churchill directly

Steve2000 · 3 Apr 2013 at 20:38

Is there not a customer services email address you can send the docs to / request them from? My insurance provider has one and it's pretty efficient when you want to exchange documents quickly.

eatcustard · 4 Apr 2013 at 09:37

I always thought it was 2 years No claims you lost.

scratch · 4 Apr 2013 at 09:42

eatcustard said:
I always thought it was 2 years No claims you lost.

There's no "industry standard" as such..it depends on the T&C's of the insurer.

monkeys · 4 Apr 2013 at 10:34

You might get a refund and you can re-book the insurance from scratch if lucky.

gillywibble · 4 Apr 2013 at 13:49

Jonnybmac said:
Could they tell elsewise that id had a crash?

Yes, but underwriters don't generally bother.

They will check the Claims Underwriting Exchange if you have an incident, at which point your policy may be voided from inception for failing to disclose the previous claim.

I don't see an issue with taking out a policy disclosing the claim but providing evidence of four years bonus. That would then be for the insurer to decide whether to accept the proof of bonus.

IAmATeaf · 4 Apr 2013 at 14:04

I would just send out the new proof and let them decide what they want to make of it.