NCD "Frozen"?

stoofa · 18 Apr 2014 at 10:05

Hi All,
Was out driving yesterday when a piece of hell itself was kicked up onto my glass and left a nasty chip right in my eyeline.
I was told over the phone they can only repair chips in this area up to 10mm - so this is going to almost certainly be a replacement.

Whilst on the phone to Autoglass (via my insurer - AXA) I was a read a statement from my insurer: "Please ensure customer is aware that NCD is now frozen until next year"

I am aware - but I've got no idea what this means.
Now just recently I've had probably more than my fair share of glass.
Just over 2 years ago I lost my front windscreen when a crack turned into a split glass in 24hrs. Just over a year ago I lost my rear windscreen when a stone landed in the middle of it shattering (still picking glass out even today).
So this is the 3rd replacement I've had - albeit over 3 totally separate periods of insurance.

Is this the likely cause of the "NCD Freeze" and what exactly does that mean?

Cheers.

rodenal · 18 Apr 2014 at 10:21

Sounds like they're saying you won't accrue this year, but obviously won't lose any either.

They're all chancers. Admiral currently trying to tell me I'll lose 3 years ncb ( from an already earned 6 to 3) despite a split liability claim taking 2 years off...figure that one out.

Conscript · 18 Apr 2014 at 11:30

You've essentially lost a year. Same thing happened to me when I was with Swiftcover, they freeze your no claims bonus for a windscreen claim. I left them as soon as my renewal came up because of this.

Luckily my next insurer thought it was pretty bad practice, and honoured my NCB as it would have been.

Frozennova · 18 Apr 2014 at 11:34

You won't accrue a year's ncd this year, you won't however lose any no claims.

Minstadave · 18 Apr 2014 at 14:55

Conscript said:
You've essentially lost a year. Same thing happened to me when I was with Swiftcover, they freeze your no claims bonus for a windscreen claim. I left them as soon as my renewal came up because of this.

Luckily my next insurer thought it was pretty bad practice, and honoured my NCB as it would have been.

I'm just about to move from swift for the same reason, who did you move to?

Conscript · 18 Apr 2014 at 15:18

Greenlight. I've since had to move from them too though, they wouldn't insure a GT86.

Minstadave · 18 Apr 2014 at 15:31

Thanks will try a quote with them

stoofa · 18 Apr 2014 at 18:23

Makes me want to leave them at renewal too. I also now find that AXA/Swift won't do "out of hours" glass work.
I was first offered Sunday over the phone, I'm out for lunch so said no and I was then offered Bank Holiday Monday - said fine.
Autoglass woman moved on (this is where she told me about the frozen NCD) and then informed me AXA would not pay for out of hours work, so Tuesday was the earliest.

I was with Swift last year. They couldn't match the quote I got directly from AXA. So I cancelled the Swift policy, took the AXA one.
I go to axa.co.uk for my policy documents, the document says AXA on, however apparently it's still a Swift policy - nothing anywhere indicates this.

Oh well, lesson learnt - new screen on Tuesday,