No Claims Discount and Company Cars
Discussion
How does this work? My partner recently had her company car taken away, which she'd had for just over 3 years. Before that she was the main driver of the privately owned car(s) we had, for about 4 years.
Since the company car was taken away, we had to buy a new (privately owned) car. When getting insurance quotes we put 7 years no claims, however the first company cancelled on us due to something in page 923 of the small print saying company car discount isn't allowed. We got insurance through someone else although they've now contacted us saying they can't verify that my partner has 7 years no claims.
When asking her employer for proof they've given her a letter saying something like "we can confirm Miss X had a company car from Feb 2009 to June 2012 and no claims were made in this time". Is this right? The new insurance company are asking for proof that shows:
a) Your old policy is less then 2 years old.
b) The main driver on the new policy was the policyholder with the last insurer.
c) The NCD was earned on that policy.
The wording of the 'proof' we have doesn't specifically mention NCD, just that we didn't make any claims between two dates, should I expect it to be rejected by our current insurance provider? My partner also thinks the policy holder for the company car insurance is her employer, not her.
Is this how it normally works when you've had a company car? When you go back to having a private car do you have to start your NCD all over again? This whole thing seems ridiculous given that in the last 10 years she has been the main driver of various cars for a total of 7 years and made no claims, yet due to some technicalities of the car ownership it might be that we get no NCD at all.
Since the company car was taken away, we had to buy a new (privately owned) car. When getting insurance quotes we put 7 years no claims, however the first company cancelled on us due to something in page 923 of the small print saying company car discount isn't allowed. We got insurance through someone else although they've now contacted us saying they can't verify that my partner has 7 years no claims.
When asking her employer for proof they've given her a letter saying something like "we can confirm Miss X had a company car from Feb 2009 to June 2012 and no claims were made in this time". Is this right? The new insurance company are asking for proof that shows:
a) Your old policy is less then 2 years old.
b) The main driver on the new policy was the policyholder with the last insurer.
c) The NCD was earned on that policy.
The wording of the 'proof' we have doesn't specifically mention NCD, just that we didn't make any claims between two dates, should I expect it to be rejected by our current insurance provider? My partner also thinks the policy holder for the company car insurance is her employer, not her.
Is this how it normally works when you've had a company car? When you go back to having a private car do you have to start your NCD all over again? This whole thing seems ridiculous given that in the last 10 years she has been the main driver of various cars for a total of 7 years and made no claims, yet due to some technicalities of the car ownership it might be that we get no NCD at all.
Some companies will recognise her claim-free experience and give her a discount, others won't.
As it currently stands, she has no NCD to transfer: her employers insurance wasn't hers - effectively, she was only a named driver on someone else's policy; and her own policy expired to long ago for the NCD to remain valid. Most companies will allow it within 2 years of expiry, while some will go out to 3 years. Never heard of one that will go to 4.
As it currently stands, she has no NCD to transfer: her employers insurance wasn't hers - effectively, she was only a named driver on someone else's policy; and her own policy expired to long ago for the NCD to remain valid. Most companies will allow it within 2 years of expiry, while some will go out to 3 years. Never heard of one that will go to 4.
I had this a few years ago. At 25 my first company car so sold my private car. Redundant at 33 and back to a private car. Long story but Churchill accepted a headed letter from my employer giving my start and finish dates and also confirming I had not been involved in any kind of accident or incident resulting in a claim during this period with their vehicles.
SoilPants said:
We'll send it off tomorrow and see what they say, suspect they're unlikely to accept she has 7 years NCD though 
Insurance companies will usually only accept the last driving record within 2 years.In this case, it will just be the 3 years that you may be able to claim for, as the previous private no claims discount has expired due to it being over 2 years old.
I feel obligated to conclude this little story in case somebody else has the same problem in future - We sent off the letter, the insurance company said that it proves 3 years no claims not the 7 we put on the forms. My partner had kept a letter from a few years ago before all this showing she had 4 years NCD at the time, and the insurance company, surprisingly, were happy to just add 3+4 and give us the 7 years. So all is right with the world again.
The insurance company in question are 'yes' insurance, I'm especially pleased since I was reluctant to use them in the first place.
The insurance company in question are 'yes' insurance, I'm especially pleased since I was reluctant to use them in the first place.
I'm having a very similar problem to the original poster.
In my case:
The past 3 years perfect driving history on company car insurance with AXA , which they've provided in writing.
10 years history directly prior to that with Aviva to July 2011, again in writing saying 10 years NCB.
I went back to Aviva insurance after loosing my company car and moving to private, only to be told they don't recognise the 10 years as its expired, and they only want to apply the 3 years history from the company insurance. Extra cost is £70 per year, but my main problem is I've lost all my previous NCB so this effects me going forward.
It seems NCB continuity is an absolute minefield if you move onto a company car scheme, there is a strong chance you will loose all your previous No Claims Bonus if you have a company car for over 2 years.
Presently I've raised a complaint with Aviva.
In my case:
The past 3 years perfect driving history on company car insurance with AXA , which they've provided in writing.
10 years history directly prior to that with Aviva to July 2011, again in writing saying 10 years NCB.
I went back to Aviva insurance after loosing my company car and moving to private, only to be told they don't recognise the 10 years as its expired, and they only want to apply the 3 years history from the company insurance. Extra cost is £70 per year, but my main problem is I've lost all my previous NCB so this effects me going forward.
It seems NCB continuity is an absolute minefield if you move onto a company car scheme, there is a strong chance you will loose all your previous No Claims Bonus if you have a company car for over 2 years.
Presently I've raised a complaint with Aviva.
Edited by scoobiesnacks on Tuesday 16th September 18:51
Edited by scoobiesnacks on Tuesday 16th September 18:53
Edited by scoobiesnacks on Tuesday 16th September 18:54
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