Sorry another insurance question (NCB)
Discussion
This is on behalf of a friend and it is to do with proof of no claims, the question is what is acceptable as proof?
He was previously insured with Esure and had the renewal through a few months ago, everything was in order and good to go however the car was broken down (another thread of mine shows me fixing the water pump for him) so he never renewed. Since getting it back on the road all the prices have changed and he decided to go with one of the other companies listed on confused/compare etc.
Now, he paid the deposit and set everything up and was asked to forward his proof of NCD within 14 days, this he did straight away via scanning in the letter from Esure. This is where it all goes wrong, he got a letter from them saying this proof was unacceptable because they don't accept schedules. Out of all the bumph Esure sent this is the only place we can find mention of the no claims discount, it has all the necessary info on it like policy number, date of birth, address etc. etc.
After a phone call today they said they are going to re set it to 0 NCD if he doesn't come up with the proof in the next few days.When he set it up (I was with him) there was no mention anywhere of what is and is not acceptable for NCD and we still can't find it anywhere on the website.
I have been in a similar position a few years ago when another two bit company claimed they never received my NCD even though it was in the same envelope as other stuff I sent them, however I just told them to f
k off and went with someone else instead. It does seem to me the latest ruse to get extra money out of people is to fk about with the no claims discount.
What would be the way forward for him now, the next highest quote was a fair bit steeper that what he (thought) he got it for.
Just to answer a couple of questions that I'm sure will be asked; no its definitely not me, I keep my affairs in order and yes I do have to hold his hand when he has to do anything grown up like this.
He was previously insured with Esure and had the renewal through a few months ago, everything was in order and good to go however the car was broken down (another thread of mine shows me fixing the water pump for him) so he never renewed. Since getting it back on the road all the prices have changed and he decided to go with one of the other companies listed on confused/compare etc.
Now, he paid the deposit and set everything up and was asked to forward his proof of NCD within 14 days, this he did straight away via scanning in the letter from Esure. This is where it all goes wrong, he got a letter from them saying this proof was unacceptable because they don't accept schedules. Out of all the bumph Esure sent this is the only place we can find mention of the no claims discount, it has all the necessary info on it like policy number, date of birth, address etc. etc.
After a phone call today they said they are going to re set it to 0 NCD if he doesn't come up with the proof in the next few days.When he set it up (I was with him) there was no mention anywhere of what is and is not acceptable for NCD and we still can't find it anywhere on the website.
I have been in a similar position a few years ago when another two bit company claimed they never received my NCD even though it was in the same envelope as other stuff I sent them, however I just told them to f
k off and went with someone else instead. It does seem to me the latest ruse to get extra money out of people is to fk about with the no claims discount.What would be the way forward for him now, the next highest quote was a fair bit steeper that what he (thought) he got it for.
Just to answer a couple of questions that I'm sure will be asked; no its definitely not me, I keep my affairs in order and yes I do have to hold his hand when he has to do anything grown up like this.
SK425 said:
Can your friend not just speak to the new insurer, ask them exactly what they need to see and then ask the old insurer to provide that?
He tried that but they would only tell him what they don't accept, really really unhelpful and just get the proof to us by XX date or its game over. If it was me I would just cancel the policy, expect to lose the deposit, bite the bullet and go with a big named one from now on, and then leave bad reviews on every site I could find about them, however there are plenty of those already as it turns out.My experience has been that the usual acceptable proof of NCD is the renewal letter from the previous insurer. This can be a PDF sent by email.
A few years ago I was insured with some lot who did everything online (can't remember who they were) and their website had a "Click here for proof of NCD letter" option which sent a PDF.
A few years ago I was insured with some lot who did everything online (can't remember who they were) and their website had a "Click here for proof of NCD letter" option which sent a PDF.
skeeterm5 said:
Couple of thoughts;
1) Simply ask the old insurer to confirm the NCD in a letter to your friend and forward this to the new insurer.
or
2) type into google "acceptable NCD proof XXX" where XXX is the name of the new insurer and I am sure it will tell you the answer.
S
Couple of snippets from the website after doing 21) Simply ask the old insurer to confirm the NCD in a letter to your friend and forward this to the new insurer.
or
2) type into google "acceptable NCD proof XXX" where XXX is the name of the new insurer and I am sure it will tell you the answer.
S
You should be aware that we require you to provide us with proof of your No Claims Bonus (NCB). To assist you to do this quickly and easily, you can complete the form below and attach a copy of the original Renewal Notice from your previous insurance company or broker, or a Proof of No Claims Bonus Document from your previous insurer. It can be in the format of a PDF or a picture (though you must ensure that the document can be clearly read).
You have 14 days from your policy start date to provide your proof of NCB. Unfortunately if proof is not given then we may have to begin cancellation proceedings.
It may take up to 3 working days for us to process your document, but we will notify you by email or text once this has been done.
Do I need to send xxxxxxx proof of my No Claims Bonus (NCB) entitlement?
Yes, you need to send this to us within 14 days of taking out a policy in order to validate your car insurance.
The car insurance renewal notice received from your previous motor insurer during the last 12 months will show the number of years of No Claims Bonus (NCB) you have earned.
We will be unable to authorise work on any car insurance claim you may make until we receive No Claims Bonus proof. We will cancel your car insurance policy if you do not provide proof of No Claims Bonus. For more information about No Claims Bonus click here.
Please be aware we check 100% of the No Claims Bonus proof documents we receive. For the benefit of all our customers, if a fake or falsified NCB is supplied we may notify the Police and alert other insurers in order to assist with the prevention and detection of fraud.
I think there are three options really
(1) look a bit harder through his renewal documents and see if there's anything else which mentions his NCB. Of course, there might not be.
(2) ask eSure for a letter confirming his NCB and send that on to the new insurer
(3) bite the bullet, cancel the policy and pay a bit extra to go with an insurer with better customer service. It might not be a bad move in the long run - if they're this unhelpful already, what will they be like if he actually has to make a claim?
(1) look a bit harder through his renewal documents and see if there's anything else which mentions his NCB. Of course, there might not be.
(2) ask eSure for a letter confirming his NCB and send that on to the new insurer
(3) bite the bullet, cancel the policy and pay a bit extra to go with an insurer with better customer service. It might not be a bad move in the long run - if they're this unhelpful already, what will they be like if he actually has to make a claim?
Moonhawk said:
Not sure why insurers have to ask for proof of NCB any more.
We are lead to believe that insurers now share a lot of information - so surely it would be trivial for them to find out for themselves (if they don't already know).
They don't share this data (yet) and there are serious questions as to whether we should as it is private info. Any shared data is usually aggregated and anonymised to protect the privacy of individuals. We are lead to believe that insurers now share a lot of information - so surely it would be trivial for them to find out for themselves (if they don't already know).
Although we do share accident histories, you can't surmise NCD from that and that data isn't open to abuse for marketing purposes.
Interesting how people want this data shared, but kick off when other data is shared.
LoonR1 said:
They don't share this data (yet) and there are serious questions as to whether we should as it is private info.
LoonR1 said:
Interesting how people want this data shared, but kick off when other data is shared.
LoonR1 said:
Although we do share accident histories,
There is a comment to be made here, I'm sure.But I'm not going to make it.
LoonR1 said:
They want your friend's renewal letter. That's clear from what you've posted. Not sure what the issue is tbh.
They don't want his policy schedule as that seems like he's trying to use his NCD on two cars at the same time. Is he?
Somethings odd, is the schedule something you get only after the policy is in force? I am under the impression the bundle of papers I went through for him was the renewal paperwork you get inviting you to join for another year, looking at the scan of it, its 14 pages long though. I wonder if its auto renewed and he has brought round the new policy documents. They don't want his policy schedule as that seems like he's trying to use his NCD on two cars at the same time. Is he?
Even though I'm the OP, I'm out.
Mopar440 said:
LoonR1 said:
They don't share this data (yet) and there are serious questions as to whether we should as it is private info.
LoonR1 said:
Interesting how people want this data shared, but kick off when other data is shared.
LoonR1 said:
Although we do share accident histories,
There is a comment to be made here, I'm sure.But I'm not going to make it.
Quote 1 I used the word "yet" and then highlighted why due to needing to ensure access could only be for confirming NCD
Quote 2 is actually not connected so unsure why you've quoted it
Quote 3 starts with "although" to highlight there is evidence of shared data on an individual and that word shows the contradiction. It's also a snip and taken out of context
Other than that well done A+ for wibble, you win a shiny new piece of tinfoil.
stuart313 said:
Somethings odd, is the schedule something you get only after the policy is in force? I am under the impression the bundle of papers I went through for him was the renewal paperwork you get inviting you to join for another year, looking at the scan of it, its 14 pages long though. I wonder if its auto renewed and he has brought round the new policy documents.
Even though I'm the OP, I'm out.
How can you be "out"? It's your thread!Even though I'm the OP, I'm out.
The schedule is for a live policy, so he's either auto renewed and unaware (not certain of esure'so approach to that), or he has renewed and is trying to use the NCD twice. Cue lots of "why can't we use it as many times as we like", "all insurance is a rip off by the lizard overlords" type rants.
Edited by LoonR1 on Tuesday 17th February 23:10
Mopar440 said:
LoonR1 said:
They don't share this data (yet) and there are serious questions as to whether we should as it is private info.
LoonR1 said:
Interesting how people want this data shared, but kick off when other data is shared.
LoonR1 said:
Although we do share accident histories,
There is a comment to be made here, I'm sure.But I'm not going to make it.
REALIST123 said:
Loon won't be listening anyway, but it is clear, from his own post that the insurers share the data giving them an edge but conveniently forget to share that which might cost them.
I did answer it, but don't let that get in the way. We share data on claims to make it harder for those with claims to lie and get cheaper premiums than they're entitled to. The NCD stuff is being tested as a shared database, but many insurers want guarantees that it will be used to check post sale not pre sale or even worse as a marketing database. If it were a marketing database then it'd be the motor insurance's equivalent of DNA & genetic testing for life assurance I.e. Huge you fair on consumers. Again, don't let that minor fact get in the way.
Tinfoil. Get your tinfoil here. All sizes and selling well on this thread.
LoonR1 said:
stuart313 said:
Somethings odd, is the schedule something you get only after the policy is in force? I am under the impression the bundle of papers I went through for him was the renewal paperwork you get inviting you to join for another year, looking at the scan of it, its 14 pages long though. I wonder if its auto renewed and he has brought round the new policy documents.
Even though I'm the OP, I'm out.
How can you be "out"? It's your thread!Even though I'm the OP, I'm out.
The schedule is for a live policy, so he's either auto renewed and unaware (not certain of esure'so approach to that), or he has renewed and is trying to use the NCD twice. Cue lots of "why can't we use it as many times as we ,I've", "all insurance is a rip off by the lizard overlords" type rants.
He has given me the wrong set of documents, I'll bet he has received the new policy/cert etc. and then cancelled it when he realised it renewed. He leaves everything till the last minute, he is the sort of person that lives 5 minutes from a bus stop so leaves his house 5 mins before the bus is due and then cant understand why he has missed it.
stuart313 said:
Because I waste half my life trying to sort out other peoples problems and it usually turns out they are self inflicted.
He has given me the wrong set of documents, I'll bet he has received the new policy/cert etc. and then cancelled it when he realised it renewed. He leaves everything till the last minute, he is the sort of person that lives 5 minutes from a bus stop so leaves his house 5 mins before the bus is due and then cant understand why he has missed it.
Hahaha, fair enough. He has given me the wrong set of documents, I'll bet he has received the new policy/cert etc. and then cancelled it when he realised it renewed. He leaves everything till the last minute, he is the sort of person that lives 5 minutes from a bus stop so leaves his house 5 mins before the bus is due and then cant understand why he has missed it.
I'm back in, he is right I have got all the paperwork back from him. The renewal notice is dated 14th august 2014 for a policy that expired/renewed on 11th september 2014. This is that letter.
The next page is the schedule.
Check the dates on the letters,the documents Esure sent out were the invitation to renew as you can see, this pack also included the schedule, amendments to the policy, the new certificate and everything else you would get after you normally renew. I have scoured the 18 pages and the only mention of the NCD is on the schedule. This is the only proof he has.
The next page is the schedule.
Check the dates on the letters,the documents Esure sent out were the invitation to renew as you can see, this pack also included the schedule, amendments to the policy, the new certificate and everything else you would get after you normally renew. I have scoured the 18 pages and the only mention of the NCD is on the schedule. This is the only proof he has.
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