Insurance niggle
Discussion
Apologies if it's in the wrong section:
New insurers for our camper van said they will mirror my No Claims that I have on my car. I uploaded the doc from my car insurer which clearly states 'Motor Proposal Confirmation (Proof of No Claims Bonus)' at the top in headline sized text. It lists all the details about the vehicle insured, my details, period of cover and the No Claims Bonus. It's very clear. It shows the date over which the policy covers, which covers 4/5ths of the period the van is insured for.
For example, car policy started in April, van insurance started in June so there's just two months where the Proof of NCB doesn't run alongside the van policy.
The camper van insurers rejected it and said It needs to be dated AFTER the policy with them started. The problem is the Proof of No Claims doc is only dated from when the car policy started as that what it applies to. I can't get the same doc arbitarily dated months later to a date post camper insurance starting.
If they reject this a second time do I start putting my parts on? I guess the ombudsman is a few steps down the line at this point.
New insurers for our camper van said they will mirror my No Claims that I have on my car. I uploaded the doc from my car insurer which clearly states 'Motor Proposal Confirmation (Proof of No Claims Bonus)' at the top in headline sized text. It lists all the details about the vehicle insured, my details, period of cover and the No Claims Bonus. It's very clear. It shows the date over which the policy covers, which covers 4/5ths of the period the van is insured for.
For example, car policy started in April, van insurance started in June so there's just two months where the Proof of NCB doesn't run alongside the van policy.
The camper van insurers rejected it and said It needs to be dated AFTER the policy with them started. The problem is the Proof of No Claims doc is only dated from when the car policy started as that what it applies to. I can't get the same doc arbitarily dated months later to a date post camper insurance starting.
If they reject this a second time do I start putting my parts on? I guess the ombudsman is a few steps down the line at this point.
Not sure why any Insurer would ask for proof after their new policy has started given the underwriters would actually want proof prior to it starting ?
If going back to them and arguing with a threat of then going to their complaints dept ( have you paid the new premium as yet ?) doesn’t work then you could try the letter idea but make sure they will accept that as proof.
If needs be try also quoting TCF - it doesn’t really apply here but can be a mover in getting things changed.
If going back to them and arguing with a threat of then going to their complaints dept ( have you paid the new premium as yet ?) doesn’t work then you could try the letter idea but make sure they will accept that as proof.
If needs be try also quoting TCF - it doesn’t really apply here but can be a mover in getting things changed.
A really random question - I know - but nevertheless I’m intrigued…
Does your Motorhome insurer (no naming and shaming) start with an R and end in an E and could be synonymous with fruit that’s picked early? Might have an Orange Logo for example? Their underwriter might even offer a Line Direct?
Probably not, I’m just curious.
Does your Motorhome insurer (no naming and shaming) start with an R and end in an E and could be synonymous with fruit that’s picked early? Might have an Orange Logo for example? Their underwriter might even offer a Line Direct?
Probably not, I’m just curious.
username_checksout said:
No, it s not who you have in mind.
The broker was recommended by a friend who has a similar modded VW Camper, and the price they quoted with all mods declared was pretty good. The broker is fine - a sterling service in fact - it s the underwriter that s being pernickety.
If you are using a Broker why aren’t they sorting this with the Insurer ?The broker was recommended by a friend who has a similar modded VW Camper, and the price they quoted with all mods declared was pretty good. The broker is fine - a sterling service in fact - it s the underwriter that s being pernickety.
Yellow Lizud said:
That is just bonkers.
It means you would NEVER be able to insure it with any NCD as that can only be considered AFTER you have taken out the policy!
Surely somebody has got something wrong here?
I don't think so.It means you would NEVER be able to insure it with any NCD as that can only be considered AFTER you have taken out the policy!
Surely somebody has got something wrong here?
The company are willing to mirror the car NCB, but, want proof it was valid at the time of policy inception. A proof of NCD dated prior to inception does not achieve that.
MustangGT said:
That is simple, they want proof no claim has been made during the current policy period.
Which they received only it wasn’t good enough for them as they then apparently wanted the confirmation letter issued subsequently to cover that 2 months gap. My point was ( perhaps made badly ) that they had already received the “10/12’s “ confirmation and that is how they quoted it.
It would be very unusual for any proof of NCB to exactly tally with the close of a year ready for a new policy ie all proof of NCB is virtually guaranteed to be out of date.
Bear also in mind that such proof is usually valid for up to 4 years or 2 with some.
However as the OP has now said there is a Broker in the chain so it should be them sorting it hopefully.
MustangGT said:
Yellow Lizud said:
That is just bonkers.
It means you would NEVER be able to insure it with any NCD as that can only be considered AFTER you have taken out the policy!
Surely somebody has got something wrong here?
I don't think so.It means you would NEVER be able to insure it with any NCD as that can only be considered AFTER you have taken out the policy!
Surely somebody has got something wrong here?
The company are willing to mirror the car NCB, but, want proof it was valid at the time of policy inception. A proof of NCD dated prior to inception does not achieve that.
Yellow Lizud said:
Technically you're probably right, but how are you going to get the policy holder, the broker, the NCD insurance and the new insurance all on the phone at exactly the same time?
They don't need to be. Al the OP needs is proof of no claims dated after the policy started. The logic is super simple. Whether he can get his current insurers to issue that piece of paper is another matterBertBert said:
Yellow Lizud said:
Technically you're probably right, but how are you going to get the policy holder, the broker, the NCD insurance and the new insurance all on the phone at exactly the same time?
They don't need to be. Al the OP needs is proof of no claims dated after the policy started. The logic is super simple. Whether he can get his current insurers to issue that piece of paper is another matterMaybe you're saying he should take out the new policy at the full price, then get the old insurance to confirm the NCD and then the new insurance will refund him the difference.
Well good luck with that!!
Yellow Lizud said:
BertBert said:
Yellow Lizud said:
Technically you're probably right, but how are you going to get the policy holder, the broker, the NCD insurance and the new insurance all on the phone at exactly the same time?
They don't need to be. Al the OP needs is proof of no claims dated after the policy started. The logic is super simple. Whether he can get his current insurers to issue that piece of paper is another matterMaybe you're saying he should take out the new policy at the full price, then get the old insurance to confirm the NCD and then the new insurance will refund him the difference.
Well good luck with that!!
Broker needed me to get evidence of NCD & claims history from previous insurer & supply to them otherwise policy would increase. I asked for & got that emailed to me, then forwarded on a week after policy started
All sorted, I asked my car insurer to send over a dic dated to today’s date, which they did, and that was forwarded on. Camper insurers accepted it.
I forgot to mention the first rejection stated that the doc ‘did not contain the number of years No Claims Bonus‘ - which it clearly did. According to them, the clearly branded document did not also show ‘vehicle registration, the name and logo of the insurance provider, and their policy number’.
All were on there, plain as day. It was ridiculous.
I forgot to mention the first rejection stated that the doc ‘did not contain the number of years No Claims Bonus‘ - which it clearly did. According to them, the clearly branded document did not also show ‘vehicle registration, the name and logo of the insurance provider, and their policy number’.
All were on there, plain as day. It was ridiculous.
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