Unable to prove no claims
Discussion
I am in a complicated situation with my car insurance. I have recently took a policy on my 172 after being in a company car for 3 months. Prior to this I had a classic policy which didn't require proof of no claims to set up. Prior to that I had insurance on my MR2 which also didn't ask for proof of no claims.
My new insurer need proof within 10 days so I have spoken to previous insurers. Because they never saw any proof from me they are unable to send confirmation to my new insurer. I am at loggerheads as to what to do here, my current insurer are threatening to cancel my policy if I do not send in the proof. Is there any way of getting around this?
My new insurer need proof within 10 days so I have spoken to previous insurers. Because they never saw any proof from me they are unable to send confirmation to my new insurer. I am at loggerheads as to what to do here, my current insurer are threatening to cancel my policy if I do not send in the proof. Is there any way of getting around this?
8potdave said:
I am in a complicated situation with my car insurance. I have recently took a policy on my 172 after being in a company car for 3 months. Prior to this I had a classic policy which didn't require proof of no claims to set up. Prior to that I had insurance on my MR2 which also didn't ask for proof of no claims.
My new insurer need proof within 10 days so I have spoken to previous insurers. Because they never saw any proof from me they are unable to send confirmation to my new insurer. I am at loggerheads as to what to do here, my current insurer are threatening to cancel my policy if I do not send in the proof. Is there any way of getting around this?
Classic policies don't build up no claims like normal ones do, in my experience at least. Also, if you have NCB built up a few years ago you might not be able to use it now.My new insurer need proof within 10 days so I have spoken to previous insurers. Because they never saw any proof from me they are unable to send confirmation to my new insurer. I am at loggerheads as to what to do here, my current insurer are threatening to cancel my policy if I do not send in the proof. Is there any way of getting around this?
You appear to be confusing No Claims Discount with 'Number of years without a claim.' They are not synonymous.
Classic policies usually don't require or accrue NCD. If you've had your classic policy for a number of years, your NCD has likely lapsed; most insurers require it is less than two years old.
So basically, if you don't have a piece of paper that says outright that you have X amount of years NCD, you don't have any NCD.
Classic policies usually don't require or accrue NCD. If you've had your classic policy for a number of years, your NCD has likely lapsed; most insurers require it is less than two years old.
So basically, if you don't have a piece of paper that says outright that you have X amount of years NCD, you don't have any NCD.
Mr2Mike said:
You don't usually accrue NCD on classic policies IME. NCD is normally only valid for 2 years without a current policy, when was the last non-classic policy you had?
That. Unless the MR2 was insured within the last two years, you only have 3 months NCD, which won't make much difference anyway. Classic don't get NCD as it's assumed you'll have a normal car as well.Privilege are one of the insurers who will accept no claims on a company car policy and give you a discount, a lot of insurers won't.
I always understood that any no-claims bonus expired after 2 years of not having a qualifying policy, and that you didn't accrue bonus on classic policies, since you generally have to have the use of another car.
It's quite possible that you don't actually have any no-claims bonus to "prove".
Some insurers will effectively give you some "no-claims bonus" if you can prove that you've had a non-qualifying policy. I got this when I stopped having a company car. Letter from employer stating that I hadn't had a fault claim for X years.
If you got the insurance on the strength of not having any claims for X years, rather than having X years no-claims bonus, I guess they are within their rights to cancel the policy.
It's quite possible that you don't actually have any no-claims bonus to "prove".
Some insurers will effectively give you some "no-claims bonus" if you can prove that you've had a non-qualifying policy. I got this when I stopped having a company car. Letter from employer stating that I hadn't had a fault claim for X years.
If you got the insurance on the strength of not having any claims for X years, rather than having X years no-claims bonus, I guess they are within their rights to cancel the policy.
swisstoni said:
They can easily browse the industry databases to see if you had any claims or not.
This is a load of nonsense.OP, Who was your MR2 with? Because although they didn't take any proof they should then take you at your word and add another year onto that when your policy came up for renewal. Or if you cancelled early they should have provided a letter confirming cancellation and ncd at that time.
Failing that, don't let your insurers cancell your policy if you can't sort it out. Cancel it yourself otherwises you'll struggle to get decent prices when you declare that another insurer cancelled your cover.
Charlie Foxtrot said:
swisstoni said:
They can easily browse the industry databases to see if you had any claims or not.
This is a load of nonsense.OP, Who was your MR2 with? Because although they didn't take any proof they should then take you at your word and add another year onto that when your policy came up for renewal. Or if you cancelled early they should have provided a letter confirming cancellation and ncd at that time.
Failing that, don't let your insurers cancell your policy if you can't sort it out. Cancel it yourself otherwises you'll struggle to get decent prices when you declare that another insurer cancelled your cover.
Charlie Foxtrot said:
swisstoni said:
They can easily browse the industry databases to see if you had any claims or not.
This is a load of nonsense.OP, Who was your MR2 with? Because although they didn't take any proof they should then take you at your word and add another year onto that when your policy came up for renewal. Or if you cancelled early they should have provided a letter confirming cancellation and ncd at that time.
Failing that, don't let your insurers cancell your policy if you can't sort it out. Cancel it yourself otherwises you'll struggle to get decent prices when you declare that another insurer cancelled your cover.
andy43 said:
Privilege are one of the insurers who will accept no claims on a company car policy and give you a discount, a lot of insurers won't.
LV= did for me - 5yrs based on a letter from our company insurance broker.Other insurers said they wouldn't do this, however I was offered introductory discounts which typcially seemed to be 50%. I guess that might be age dependent though (I'm quite old
).ETA: Just looked at the OP's profile!
Deva Link said:
LV= did for me - 5yrs based on a letter from our company insurance broker.
Other insurers said they wouldn't do this, however I was offered introductory discounts which typcially seemed to be 50%. I guess that might be age dependent though (I'm quite old ).
ETA: Just looked at the OP's profile!
Yes i am no longer a broker and i was dealing with purely health insurance at the time if thats what you are referring to Other insurers said they wouldn't do this, however I was offered introductory discounts which typcially seemed to be 50%. I guess that might be age dependent though (I'm quite old
).ETA: Just looked at the OP's profile!
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