NCD question

[shifty_uk]

Quick question regarding my acquired NCD...

Just insuring a new vehicle and looked back over my policy documents. When I was insuring my current car I got a quote based on 5 years NCD however, by the time the policy had actually started I'd acquired 6 from my other car.

I got onto my current insurer there and asked their advice on this. I was told no, my NCD is 6 years(I've received 1 years NCD from them) and that's it, I can't add the additional NCD onto any future policies.

My views are, I should have 7 years NCD. What's your take on it?

 

[tom_e]

I know they don't let you add NCD to a current policy or didn't when I tried but I can't see why you couldn't stack the current NCD and the extra year on a new policy.

 

[grudas]

I know they don't let you add NCD to a current policy or didn't when I tried but I can't see why you couldn't stack the current NCD and the extra year on a new policy.

I guess if he is asked to send proof of NCB, all he's going to have is 6 years from the current insurer on the renewal letter?

 

[tom_e]

I guess if he is asked to send proof of NCB, all he's going to have is 6 years from the current insurer on the renewal letter?

Request proof of the extra year from the other previous insurer and send them both, unless I've misread.

 

[grudas]

Request proof of the extra year from the other previous insurer and send them both, unless I've misread.

the previous insurer is going to issue him with 6 years ncb as that's what he had with them.

the current will issue 6 years too because that's what they're aware off.

it sounds as if you're going to loose your 1years ncb unless you can somehow combine them but I don't see how really.

 

[shifty_uk]

I've just phoned the new insurer, only 6 years count as they take the documents directly from the previous insurer only