Do insurance companies share data to scam more money out of you?

Armageus said:
If doesn't work like that - if you cancel early then you are forfeiting however much of that year's worth of no-claims you have accrued.

If it did work like that, then people would be chopping and changing to get better deals from month to month without any penalty.

The only proof of no claims accepted in my experience has been either a renewal notice or cancellation letter (and the cancellation letter normally says how many complete years no claims you had when you cancelled).
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Oh bother... This affects me then... I've been a very silly sausage... :(

I left an old insurer after exactly 2 years and sent my proof of NCD to my new insurer and started building my third year, I then cancelled after 9 months because they couldn't cover me on a car and have been with my current insurer for 3 months... So basically I scrapped 9 months of NCD...

My friend had me believe that I could send the proof of 2 years, the cancelation confirmation of the 9 month policy, and the policy confirmation of the 3 month policy to a new insurer, to start with 3 years... :mad:
 
covenantuk said:
And nothing will be said. Until you have an accident and try to claim. At which point they'll check the odometer on your bike, the DVLA, any servicing record, MOTs etc.

When this is done, you'll find you've invalidated your policy and they won't pay out either for you or for any 3rd party. Good luck in court.
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And I'd like to see them try and enforce a mileage restriction on my track car based on it's odo readings...
 
Acme said:
Oh bother... This affects me then... I've been a very silly sausage... :(

I left an old insurer after exactly 2 years and sent my proof of NCD to my new insurer and started building my third year, I then cancelled after 9 months because they couldn't cover me on a car and have been with my current insurer for 3 months... So basically I scrapped 9 months of NCD...

My friend had me believe that I could send the proof of 2 years, the cancelation confirmation of the 9 month policy, and the policy confirmation of the 3 month policy to a new insurer, to start with 3 years... :mad:
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If your new insurer has accepted it then you have nothing to worry about, but it is very much "not the norm".
 
They haven't, I was planning on starting a new policy with 3 years NCD when I change car, but the third year is made up of 9 months with Aviva and 3 months with Admiral... I will phone and ask but it sounds ike they won't be interested? Most likely candidates are Sky and Greenlight. :(

I only found out that this is how NCD works AFTER I cancelled my 9 month old policy with Aviva and potentially lost all that...
 
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Last few years I have renewed I have told them what my no claims is and they then have emailed me within a day to say that they have confirmed my no claims from the records, from this I would assume that all the company's contribute to a single database of NCD lengths as they have always confirmed exactly what my renewal notice states my no claims should be.
 
So you think I may be OK..?

Sorry OP I didn't mean to hijack your thread, I just had a sudden worrying realisation as a result of something I posted to try and help! haha
 
pepp77 said:
Last few years I have renewed I have told them what my no claims is and they then have emailed me within a day to say that they have confirmed my no claims from the records, from this I would assume that all the company's contribute to a single database of NCD lengths as they have always confirmed exactly what my renewal notice states my no claims should be.
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It may have changed recently, as I haven't had to switch insurers for a couple of years, but it always used to be that you had to physically post your proof of no-claims within 28 days of taking out a policy.


Acme said:
So you think I may be OK..?
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You know the answer, and that is to ring them and find out :)
 
Of the three changes of insurer I have done, only one has ever asked for proof of NCD (Aviva) and I attached a form to an email. Neither Admiral nor 1stCentral asked for proof.
 
Acme said:
They haven't, I was planning on starting a new policy with 3 years NCD when I change car, but the third year is made up of 9 months with Aviva and 3 months with Admiral... I will phone and ask but it sounds ike they won't be interested? Most likely candidates are Sky and Greenlight. :(

I only found out that this is how NCD works AFTER I cancelled my 9 month old policy with Aviva and potentially lost all that...
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You mean earlier in this thread?

Acme said:
Of the three changes of insurer I have done, only one has ever asked for proof of NCD (Aviva) and I attached a form to an email. Neither Admiral nor 1stCentral asked for proof.
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That is not the norm. They do usually ask YOU to provide the proof of NCD, but they CAN get it themselves. I assume there is a small charge for that, hence why they want you to provide it though.

All you can do is call your insurance company and ask. That's the only way you will get the correct information. You simply shouldn't just do things because your mate says that's how it works. You should have asked your insurance company when you cancelled.
 
I guess it isn't the end of the world starting with 2 again instead of having 3... Still annoying though... Likely to cost 10%~ more than having 3... :(

But yes, I will ask. :)
 
Armageus said:
Doesn't matter, because unless you are on a black box, mileage is just an estimate. When I had to make a claim recently, the only reason mileage was asked for was to aid in determining the car's market value.

Unless you are massively under or overdeclaring it (e.g., if you declared 2k miles year and do 20k), then I doubt there would ever be an issue.
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[insert insurance co reasoning]
Yeah but hes declared 4k, if he then goes onto 6k in a year hes increased his use by 50% therefore increased his chance of an accident 50% also.
[/ insurance co reasoning]

I actually was on the cusp of taking insurance with Adrian flux, until the dropped on me last minute that as I'd advised them of 8k miles per year they'd put me on a low mileage policy and wanted photos and things signed.

They then wanted proof of mods and a signed declaration for them too.
I was a week before the insurance was due to start... they wanted £50 to cancel. To cancel something that hadn't even started!

Yeah got shot of them haha

Insurance companies, take a bit of info from you, apply random maths, out comes a number.
 
asim18 said:
Yes you're right, but this is with a black box. Which I would NOT recommend to anyone EVER, now that I know what it actually does.

The second I ran out of my agreed 4,000, they automatically posted a letter saying my policy will be cancelled within 14 days if I don't buy more.


So yeah guys, do NOT buy a black box insurance policy. How could I be so stupid, why on earth would an insurer ever actively aim to charge me less!?!? In the long run it's just a scam to milk more money from people, even though the short term impression they give is that you're saving money.
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Yeh, but I bet it was the cheapest price.

If you had bought the correct mileage to begin with, you'd probably have been very happy with this.

If indeed you are getting far higher premiums on comparison sites, and you are getting good driver ratings as you've said, then I bet your renewal price is lower than anything else out there.
 
xs2man said:
That is not the norm. They do usually ask YOU to provide the proof of NCD, but they CAN get it themselves. I assume there is a small charge for that, hence why they want you to provide it though.
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The last two changes of insurer I've had haven't asked for proof. I assume they're all talking to each other these days.
 
muon said:
Yeh, but I bet it was the cheapest price.

If you had bought the correct mileage to begin with, you'd probably have been very happy with this.

If indeed you are getting far higher premiums on comparison sites, and you are getting good driver ratings as you've said, then I bet your renewal price is lower than anything else out there.
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You are right it was certainly the cheapest price and I am not unhappy with paying for the mileage I do. The thing is when I quoted for 6K miles it was relatively more expensive, it was pretty much the same as buying 4K then getting 2K extra at a later date. I'm not actually paying a "premium price" for the extra miles I've just bought.

I was just annoyed that they were initially forcing me to buy a minimum of 1000 extra miles, half of which I would never have used. I wasn't even bothered if the extra got carried over into next year but she said that wouldn't happened which is when I gave off a little sarcastic laughter and asked her to speak to a manager because that just sounded wrong as it was forcing me to throw £175 down the drain. Apparently it did sound wrong and they've allowed me to buy 500 miles.
 
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I never got why they even bother asking for the max mileage. Most don't even ask the mileage of the car when you first insure it, so how do they even know how much you drive it?
 
Nasher said:
I never got why they even bother asking for the max mileage. Most don't even ask the mileage of the car when you first insure it, so how do they even know how much you drive it?
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Off the MOT. But they ask you how many miles YOU will drive. I could drive it 50℅ of the time and double the milage.
 
Nasher said:
I never got why they even bother asking for the max mileage. Most don't even ask the mileage of the car when you first insure it, so how do they even know how much you drive it?
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MOT i would assume, im sure you can type your reg plate into the dvlas website to tell you details like that.
 
koooowweeee said:
Off the MOT. But they ask you how many miles YOU will drive. I could drive it 50℅ of the time and double the milage.
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Plus the MOT will never line up exactly with the insurance dates. There is no way for them to reliably estimate how many miles you have done in the year. I wouldn't have bothered calling them.
 
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