3yrs NCB / 2 yrs NCB

Abyss · 14 Jan 2007 at 04:33

My insurance with Norwich Union ended a few months back, and due to their crazy renewal quote, I changed to Churchill.

My reneweal quote from Norwich Union stated the following:

30 months No Claims (which is equivilant to 3 years No Claims Discount)

The 30 months is due to 12 months from pass plus and 2 x 9 months through their accelerated bonus scheme.

After discussion with 3 different people at Churchill, they all agreed that 3 years no claims would be honoured. However i (stupidly) lost the renewal quote from Norwich Union, and all that Norwich Union will supply is a basic A4 headed sheet stating that I have 2 years no claims.

Churchill were extremely helpful in the matter, but were not willing to do anything without the written proof of 3 years as mentioned above, so in the end I paid the extra premium (around £120). They did however mention that if I found the form then this would be refunded and my policy updated to reflect 3 years.

I fully understand that in reality I do only have 2 years no claims, it's just annoying when I could easily be sat on 3, so my question is, can anyone think of any way in which I can get the extra year back?

Thanks in advance,

Andrew.

Mickey · 14 Jan 2007 at 05:11

Find your original renewal quote?

Sirrel Squirrel · 14 Jan 2007 at 10:31

wow thats really sucky of Norwich Union, Admiral and stuff actually write the accelerated ncb in years so you can use it anywhere, probably a way for Norwich Union to try and get you to stay with them

KevMarks · 14 Jan 2007 at 10:36

Pass+ does not give you 1 years NCB. It just gives you a slight discount which could be up to 1 years NCB.

agw_01 · 14 Jan 2007 at 11:26

KevMarks said:
Pass+ does not give you 1 years NCB. It just gives you a slight discount which could be up to 1 years NCB.

Depends on the insurer.

I was with CIS first. Come renewal , I had 2 years NCB (one for pass plus, one for the first year).

Having PP on my policy dropped it from £4400 to £2200.

saitrix · 14 Jan 2007 at 11:43

agw_01 said:
Depends on the insurer.

I was with CIS first. Come renewal , I had 2 years NCB (one for pass plus, one for the first year).

Having PP on my policy dropped it from £4400 to £2200.

How can you tell whether you got 1NCB for pass plus?

KevMarks · 14 Jan 2007 at 12:23

I had pass+ and found it really didn't make much difference to my quote at all. Still paying tons to insure a 1.3 :-(

Burnsy2023 · 14 Jan 2007 at 16:10

agw_01 said:
Depends on the insurer.

I was with CIS first. Come renewal , I had 2 years NCB (one for pass plus, one for the first year).

Having PP on my policy dropped it from £4400 to £2200.

Can't you only use PP for the first year, so in essence you have two years with 1 yrs NCB?

Burnsy

agw_01 · 14 Jan 2007 at 16:37

saitrix said:
How can you tell whether you got 1NCB for pass plus?

burnsy2023 said:
Can't you only use PP for the first year, so in essence you have two years with 1 yrs NCB?

I think it depends on the insurer, but after my first year with CIS, I got a 'Proof of NCB' certificate stating 2 years.

I always thought that Pass Plus was the equivalent of 1 years NCB. That's how I always understood it to be anyway.

helpimcrap · 14 Jan 2007 at 16:45

pass plus doesnt mean anything, some insurers dont even recognise it.

i stayed away from accelerated schemes simply because of the hassle you have had.

Rich1988 · 14 Jan 2007 at 17:19

pass plus being the equivilent to a years ncb is a totally new thing to me :confused:

I always thought it was just to show you had a little more experiencs/slighlty more advanced understanding of the road, lasts for two years btw