9 Year NCD cap?

[IC3]

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.

 

[IC3]

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.

But what number is stored in the database, 9 or 13?

 

[IC3]

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.

 

[IC3]

Basically.

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

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.

 

[IC3]

What's no about what I said?

True, I misread your post.

yes - your NCD discount may remain, but if your premium has gone up subsequently because of your accident, it amounts to the same thing (as a ncd degradation) ?
and (as I suggested) afaik you cannot run legitimate quotes with and without that accident to see how much that accident really cost you.

It does still workout cheaper with NCD, even if you've a claim.