Insurance NCD question.

[Horrocks]

Just a quick question for PH, I have spent over an hour calling half of India trying to get some clarification on my insurance.

I have just received my renewal letter from Aviva, on this it states "3 Years no claim discount".

I passed my test in March 2008 so I was under the impression my entitlement to a NCB 'build up' started from this point, with that in mind, I thought by March 2011 (3 years on) I would have my 3rd year without any claims?

After asking this question on how does this work I made a statement about the fact I had insurance before I passed my test for a number of months as I had a little runaround to learn in. So am I right or wrong in saying my NCD entitlement started from when I had any type of insurance whether fully passed or not?

I basically need someone to sum up how this works pretty please.

[Horrocks]

ikonic said:

If I understand u correctly, the 3 years relates to 3 years of insured fault free driving/ownership of a vehicle.

Not the poiint at which u passed your test.

Therefore, it should include the point at which you were insured.

Edited by ikonic on Saturday 8th January 16:42

Thanks for the reply.

The problem with that is, when on the comparison website. If I enter '3 Years NCD' and then 'Been driving for 2 years 10 months'. It just doesn't add up and will not let you continue.

[Horrocks]

31 January 2011 my policy ends.

Which still begs the above question about how long I've been driving though...

[Horrocks]

How does a calculation like this go wrong though? Each year I have issued a new NCD certificate to each insurer to prove my bonus entitlement.

And somehow somewhere I have fastforwarded my driving expertise 2 months.

Feels like fkin bernards watch.

Edited by Horrocks on Saturday 8th January 22:57