9 Year NCD cap?

IC3

IC3

IC3

Soldato
Joined
3 Dec 2011
Posts
10,202
I'm currently doing my dads insurance, as the renewal quote is nearly £400 more than the quotes on comparison sites... I looked at the proof of NCD and it only states 9 years, when in fact he has 13 years NCD. The proof of NCD from previous insurer from 2023 states 12 years, he had no claims in 2024 so it should be 13, not 9.

My questions is, if the current insurer refuses to provide proof of NCD with 13 years, as theirs only goes up to 9. In case the new insurer requests proof of NCD, will the both of the NCD's from previous insurers be sufficient proof? I prefer to be safe than sorry...

I'll reach out to them tomorrow, but seeing as Xmas is around the corner and the insurance running out on Christmas eve, I'm not being hopeful...

UPDATE

I had to ring them to cancel the auto-renewal, been told to send the old proof of NCD and they'll adjust it accordingly, few hours later the NCD from current insurer was sent via email.
 
Last edited:
As above, beyond 9 is just a meaningless number. You won't be getting it any cheaper between a 9 and a theoretical 13.

Sending in proof is unlikely to make any difference either as all your details are stored in the insurers database so they can already see how many NCDs you have.
 
Semple said:
As above, beyond 9 is just a meaningless number. You won't be getting it any cheaper between a 9 and a theoretical 13.

Sending in proof is unlikely to make any difference either as all your details are stored in the insurers database so they can already see how many NCDs you have.
Click to expand...
But what number is stored in the database, 9 or 13?
 
Last edited:
Ignore the above advice. I have had this problem before and needed to prove that I had more than 9 years or face a hefty increase in price. My problem was because of a insurer only stated I had 9 years instead of 14 years and my new insurer, Aviva if I remember right, wanted proof or they would increase the premium quite considerably. It was a nightmare to sort out as I had to go back several years to previous insurers some of which at first weren't keen to provide the letter I needed but prsistaance paid off in the end. I had to go back six or seven years to get a NCB confirmation letter then pass it on to the next insurer who would then give me one from when I left them and pass that on to the next and so on. It took me several days and a load of phone calls and emails to get my no claims back to where it should be and satisfy Aviva and it was a lot of hassle. I am now sitting on 20 years NCB and almost had to do it all again as the insurer I left last year, Agea, only gave me 9 years and tried sticking with "it's our policy to only recognise 9 years" until I finally got hold of someone with some common sense who sent me a letter confirming what I actually had. So get onto that insurer and press for what he is owed. If they try to fob you off keep on at them.
 
Do you mean they became pedantic (e: ie suspected fraud) about an inconsistency (with premium based on 14, but proof letter only showed 9) or that policy from outset was massively cheaper from outset with 14,
I only usually bother to tick 9/10 years plus ?

I, also, don't understand if you had to claim multiple times say, such that a NCD (I stupidly buy from aviva at £30?) was blown away whether having a legitimate 14+ years, I have, would be worthwhile.
 
Last edited:
pastymuncher said:
Ignore the above advice. I have had this problem before and needed to prove that I had more than 9 years or face a hefty increase in price. My problem was because of a insurer only stated I had 9 years instead of 14 years and my new insurer, Aviva if I remember right, wanted proof or they would increase the premium quite considerably. It was a nightmare to sort out as I had to go back several years to previous insurers some of which at first weren't keen to provide the letter I needed but prsistaance paid off in the end. I had to go back six or seven years to get a NCB confirmation letter then pass it on to the next insurer who would then give me one from when I left them and pass that on to the next and so on. It took me several days and a load of phone calls and emails to get my no claims back to where it should be and satisfy Aviva and it was a lot of hassle. I am now sitting on 20 years NCB and almost had to do it all again as the insurer I left last year, Agea, only gave me 9 years and tried sticking with "it's our policy to only recognise 9 years" until I finally got hold of someone with some common sense who sent me a letter confirming what I actually had. So get onto that insurer and press for what he is owed. If they try to fob you off keep on at them.
Click to expand...

That's because you presumably told the insurer you had 14 years and your previous insurer sent out 9.

I just say 9 but have been claim free as a policyholder for much longer.

What was the amount of the hefty increase?
 
It was over £65 which is a hell of a increase when you are only paying £136 in the first place. The reason they gave was that the insurer I had the quote from wouldn't cover me so they had to do a quote all over again and that was the next cheapest with the same cover. My Insurance year starts on the 7th November so I always look for quotes around mid October when it is cheapest and they sent me a letter requesting proof of NCB which didn't arrive until the begining of November so quotes were going to come in more expensive as it's closer to my start date. They reckon around 14-21 days before the start date is the cheapest for quotes.
 
pastymuncher said:
Ignore the above advice. I have had this problem before and needed to prove that I had more than 9 years or face a hefty increase in price. My problem was because of a insurer only stated I had 9 years instead of 14 years and my new insurer, Aviva if I remember right, wanted proof or they would increase the premium quite considerably. It was a nightmare to sort out as I had to go back several years to previous insurers some of which at first weren't keen to provide the letter I needed but prsistaance paid off in the end. I had to go back six or seven years to get a NCB confirmation letter then pass it on to the next insurer who would then give me one from when I left them and pass that on to the next and so on. It took me several days and a load of phone calls and emails to get my no claims back to where it should be and satisfy Aviva and it was a lot of hassle. I am now sitting on 20 years NCB and almost had to do it all again as the insurer I left last year, Agea, only gave me 9 years and tried sticking with "it's our policy to only recognise 9 years" until I finally got hold of someone with some common sense who sent me a letter confirming what I actually had. So get onto that insurer and press for what he is owed. If they try to fob you off keep on at them.
Click to expand...

Aviva look to only offer max NCD at 5 years:


So it's unlikely that to have caused your "hefty increase in price".
 
pastymuncher said:
Ignore the above advice. I have had this problem before and needed to prove that I had more than 9 years or face a hefty increase in price. My problem was because of a insurer only stated I had 9 years instead of 14 years and my new insurer, Aviva if I remember right, wanted proof or they would increase the premium quite considerably. It was a nightmare to sort out as I had to go back several years to previous insurers some of which at first weren't keen to provide the letter I needed but prsistaance paid off in the end. I had to go back six or seven years to get a NCB confirmation letter then pass it on to the next insurer who would then give me one from when I left them and pass that on to the next and so on. It took me several days and a load of phone calls and emails to get my no claims back to where it should be and satisfy Aviva and it was a lot of hassle. I am now sitting on 20 years NCB and almost had to do it all again as the insurer I left last year, Agea, only gave me 9 years and tried sticking with "it's our policy to only recognise 9 years" until I finally got hold of someone with some common sense who sent me a letter confirming what I actually had. So get onto that insurer and press for what he is owed. If they try to fob you off keep on at them.
Click to expand...
Ignore the above advice and then you give the same advice --- to get what you are entitled for and use historic records to prove it? :S
 
Update: I had to ring them to cancel the auto-renewal, been told to send the old proof of NCD and they'll adjust it accordingly, few hours later the NCD from current insurer was sent via email. The whole process probs took 15 mins of my time, not bad. The reasoning behind it is, that the system is mostly automated and it autogenerates a lot of documents etc.

I did a bit of reading and it does look like some insurance companies are capped at 9 years, however there's a few that aren't.
 
Last edited:
bloodiedathame said:
Once again insurance companies making up rules as they go along. Utter scummers.
Click to expand...

There are no rules. Where's this book?

NCD is a massive marketing exercise to entice you to join. For example, the fact you can "protect" it by paying Insurer A, and then after claiming take that to Insurer B, who got none of that protection money, who then has to honour the higher NCD, should tell you all you need to know.

An insurer should just switch to asking if you had any claims in the last 10 years and be done with it.
 
Last edited:
pastymuncher said:
It was over £65 which is a hell of a increase when you are only paying £136 in the first place. The reason they gave was that the insurer I had the quote from wouldn't cover me so they had to do a quote all over again and that was the next cheapest with the same cover. My Insurance year starts on the 7th November so I always look for quotes around mid October when it is cheapest and they sent me a letter requesting proof of NCB which didn't arrive until the begining of November so quotes were going to come in more expensive as it's closer to my start date. They reckon around 14-21 days before the start date is the cheapest for quotes.
Click to expand...
still don't understand Aviva's always insured me directly , not a broker for other folks like RAC,
also you usually get the locked in quote, but just have to supply any ncd discount letter promptly, and can even wait until the policy has started, if you fail, obviously they may cancel it.


-----

So protected no claims is a scam ? from the perspective that if you've had an accident and expect it to help on subsequent renewal premium, you can't run credible quotes with and without declaring that, so (true) you never know.
 
Glad you got sorted OP.
I have a thread about this somewhere.

I threw in the towel with mine and just accepted the 9 years. I can't recall why now. Sometimes It makes no difference, which makes no sense, but then insurance makes up it's own rules, think that was one of the reasons I gave up.
 
  • Like
Reactions: IC3
jpaul said:
So protected no claims is a scam ? from the perspective that if you've had an accident and expect it to help on subsequent renewal premium, you can't run credible quotes with and without declaring that, so (true) you never know.
Click to expand...
Basically.

Also if you have 9+ years and have a bump, you don't lose everything. It knocks off 3 or 4 years IIRC.
 
dlockers said:
Basically.

Also if you have 9+ years and have a bump, you don't lose everything. It knocks off 3 or 4 years IIRC.
Click to expand...
No, if you've protected NCD you don't lose anything with your 1st claim, you just won't get 1 year NCD for the year you claimed. 2nd claim with same insurer varies, usually 3 years gets subtracted from your total NCD.

Insurer usually provides a guide for this, also gives a comparison between protected NCD Vs unprotected when you make a claim. Protecting NCD costs so little, it's worth it for the peace of mind IMO.
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom