How long could I get away not sending NCB?
Discussion
Got an annoying dilemma with my insurance. I've bought a new car and tried to place it on my existing policy but unfortunately the insurer (CIS) says it's not possible and try to sell me a fresh policy. The car I've just bought is virtually identical to the last one except newer so a bit surprising that they won't. There is a month left and I am on the verge of 5 years NCB.
Temporary insurance is ludicrously expensive.
Just wondering when to buy a new policy.
Cheers!
Temporary insurance is ludicrously expensive.
Just wondering when to buy a new policy.
Cheers!
SuperHangOn said:
Got an annoying dilemma with my insurance. I've bought a new car and tried to place it on my existing policy but unfortunately the insurer (CIS) says it's not possible and try to sell me a fresh policy. The car I've just bought is virtually identical to the last one except newer so a bit surprising that they won't. There is a month left and I am on the verge of 5 years NCB.
Temporary insurance is ludicrously expensive.
Just wondering when to buy a new policy.
Cheers!
What?Temporary insurance is ludicrously expensive.
Just wondering when to buy a new policy.
Cheers!
Whenever Ive changed cars I tell them the details of the new one and they amend the policy cost up or down depending until the anniversary of its expiry
Some underwriters seem a bit bonkers. Boss had this, crazily, swapping from a performance car to a family wagon. Existing insurer declined to cover the lower risk vehicle and he had to cancel his policy to go with a different insurer.
It's going to vary between insurers, the difficulty is that they all have access to CUE and MID so how are you going to explain having two policies in force?
Ring a broker - they may be able to find an insurer prepared to mirror you existing NCB while leaving the current policy to run out (although what is it now insuring?)
It's going to vary between insurers, the difficulty is that they all have access to CUE and MID so how are you going to explain having two policies in force?
Ring a broker - they may be able to find an insurer prepared to mirror you existing NCB while leaving the current policy to run out (although what is it now insuring?)
You can generally put them of for a couple of months as long as you stay in contact with them and don't ignore warnings about canceling your policy.
You only have 4 years no claims until your CIS policy ends, so telling them you have 5 years NCB for a policy starting before the CIS policy ends is a false declaration. Surely the difference in price between 4 and 5 year NCB is not worth the hassle? If it is you're best bet is a broker - explain the situation to them and they may have leeway.
You only have 4 years no claims until your CIS policy ends, so telling them you have 5 years NCB for a policy starting before the CIS policy ends is a false declaration. Surely the difference in price between 4 and 5 year NCB is not worth the hassle? If it is you're best bet is a broker - explain the situation to them and they may have leeway.
Edited by Black_S3 on Tuesday 26th July 11:59
I'm with endsleigh insurance, they said on their terms that proof of no claims had to be sent within a month of the policy starting. Due to an accident ongoing (now ended) from december to MAY (thanks elephant) I wasn't able to supply it, they havent asked for anything by email or letter since I started the policy and I simply keep on forgetting to do it now because of no reminders. 6 Months into the policy now and my payments haven't changed, no asking for the proof, so meh
Cheers everyone. I have just cancelled the policy. I got a £44 refund which is more than the years extra NCB would have saved so all is not lost! I expected the difference to be much more.
The problem turned out to be that my previous car was on an "Eco" policy. The car in car question was a 15 year old, 3 litre diesel E class estate - I guess they saw the car as biodegradable as it seemed to dissolve in the rain.
The problem turned out to be that my previous car was on an "Eco" policy. The car in car question was a 15 year old, 3 litre diesel E class estate - I guess they saw the car as biodegradable as it seemed to dissolve in the rain.
rampageturke said:
I'm with endsleigh insurance, they said on their terms that proof of no claims had to be sent within a month of the policy starting. Due to an accident ongoing (now ended) from december to MAY (thanks elephant) I wasn't able to supply it, they havent asked for anything by email or letter since I started the policy and I simply keep on forgetting to do it now because of no reminders. 6 Months into the policy now and my payments haven't changed, no asking for the proof, so meh
Have you checked on MIB to make sure the car is still insured?SuperHangOn said:
Cheers everyone. I have just cancelled the policy. I got a £44 refund which is more than the years extra NCB would have saved so all is not lost! I expected the difference to be much more.
The problem turned out to be that my previous car was on an "Eco" policy. The car in car question was a 15 year old, 3 litre diesel E class estate - I guess they saw the car as biodegradable as it seemed to dissolve in the rain.
Same thing happened to me with the same company. Switched from 1995 model to 1999 model of the same car. Declined. The problem turned out to be that my previous car was on an "Eco" policy. The car in car question was a 15 year old, 3 litre diesel E class estate - I guess they saw the car as biodegradable as it seemed to dissolve in the rain.
Insurers never quite see logic. The last time I checked I wasn't insurable on my mother's Mk1 Audi TT 225 because of the "performance nature of the vehicle". At the time I was a named driver on a 911 and a Ferrari (albeit with a different company). I also had my own BMW which was considerably quicker and more expensive than the TT. Never quite understood that one.
You might get away with not sending ncb for a month, or whatever but your ncb proof will carry the expiry date of your last policy. If this is not on or before the date your new policy started your insurers could still refuse it.
Just because your car is on the mid doesn't guarantee your insurers will pay a claim! You've failed to comply with their terms by not sending in your ncb in time, when they check - which they will as soon as you report a claim they could use it as a reason to void your policy - meaning you have not been insured. They would return your premium not pay your claim and then the seven figure injury claim they got from the third party will be payable by you.
Probably best to send your ncb in.
rampageturke said:
Sheepshanks said:
Have you checked on MIB to make sure the car is still insured?
Yup, still insuredProbably best to send your ncb in.
GreatGranny said:
This happened to me and the wife but we did go from Avensis to XC90.
However we are 51 and 47 respectively and have 9 years NCB and live in a low risk area.
Crazy they (large insurer) weren't prepared to insure the XC90.
The theft rates for 4x4s are astonishing compared to saloons . Many insurers are backing away from insuring them / reducing the numbers they cover / limiting their exposure. However we are 51 and 47 respectively and have 9 years NCB and live in a low risk area.
Crazy they (large insurer) weren't prepared to insure the XC90.
Edited by snorky782 on Saturday 30th July 11:20
GreatGranny said:
This happened to me and the wife but we did go from Avensis to XC90.
However we are 51 and 47 respectively and have 9 years NCB and live in a low risk area.
Crazy they (large insurer) weren't prepared to insure the XC90.
An XC90 is an entirely different beast from an Avensis. Quite reasonable that an insurer that prefers boring family saloons might not be in the market for a large suv.However we are 51 and 47 respectively and have 9 years NCB and live in a low risk area.
Crazy they (large insurer) weren't prepared to insure the XC90.
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