So, I'm with Hastings who usually provide a pretty good quote, but no matter shopping around as you do! They discount up to "9 years or more", and on the policy it states "Maximum". Fine, so I call up and the woman states the above and that they would only produce a NCD policy for other providers up to 9 years? I get they won't discount more, but surely they will confirm that I have 12 years to other companies?
No Claims - This Can't Be Right?
- Thread starter Goksly
- Start date
It won't matter either way in my experience - 9yrs is the most I've ever known an insurer take into account - ie. "maximum" in terms of a percentage discount!
It could be worse - some insurers only go to a maximum of 5 years - then you would feel ripped off! (but similarly, probably wouldn't be!)
It could be worse - some insurers only go to a maximum of 5 years - then you would feel ripped off! (but similarly, probably wouldn't be!)
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wut
Sorry to hijack your thread op but I would like to know what will happen when my current policy runs out with Aviva as I have heard they only count to 5 yrs and list that on your no claims proof when your policy ends but I will hopefully have 8yrs when it ends so how am I going to prove to other companies that I have 8 and not the 5 that Aviva list? As obviously 8 is going to mean a better discount with most other companies
Just a remark about how little no claims actually seem to matter these days
Deleted member 66701
Deleted member 66701
I've just run a quote on my current car and the quote with 9 years ncb is 60% less that the quote with no ncb.
Soldato
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- 20 Oct 2005
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Same here for last few years. I'm guessing its all kept centrally on some database
They know everything as they are all linked. I phoned to see if my insurer would match a comparison site quote and they knew the exact details I has entered as I had changed the excess.
Hmm I've always been asked when changing insurer.
But 9 seems to be the max, with "discounts" stopping after 5.
This.
(and there isn't a "super-secret" central database of your no-claims bonus - more likely if you haven't been asked to provide proof either your broker/insurer have not done their job properly or you will be asked to provide proof in the event of a claim)
Soldato
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Wrong, CUE holds NCB info along with everything else
Wrong, CUE holds NCB info along with everything else
The CUE database holds claims information - not your individual no-claims bonus records - and even if it did, insurers certainly can't access it otherwise why would they spend so much time and effort on chasing individual policyholders for their no-claims bonus proofs?
I'm just renewing my insurance with Hastings as well, on 2 cars, oddly 1 says "NCD : Maximum", the other says "NCD : 9 Years"
Also the Mazda 6 has gone up £3, the 350Z has gone up £100....
Edit :
So after calling them, the Mazda has now gone down £6 and the Nissan up £7
Also the Mazda 6 has gone up £3, the 350Z has gone up £100....
Edit :
So after calling them, the Mazda has now gone down £6 and the Nissan up £7
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Insurance has gone up loads this year and the price comparison sites were as much as my renewal quote. My insurer included a schedule of NCB levels with my renewal, the difference between 8 and 9 years was 2%.
I don't think I have paid as much for insurance this year since my first years driving. I'm paying more for a 1.6 diesel hatch than I was when I insured our MX-5 a few years ago.
I don't think I have paid as much for insurance this year since my first years driving. I'm paying more for a 1.6 diesel hatch than I was when I insured our MX-5 a few years ago.