Reinstating No Claims
Discussion
Just a quick one, hoping someone will have the answer as I'm unsure how to proceed.
Timeline of events:
- Had an incident at the end of 2011.
- Partial fault decided, my NCB was reduced from 1 to 0. If there had been no incident at the end of that year it would have been 2 years NCB.
- Case goes to court, lots of drama over damage claim and personal injury, their entire case gets thrown out.
- Have received an email from my insurers at the time today to say that my NCB will not be affected.
- Since this I have gone from insurer A (who I was with at the time of the incident), to insurer B, to insurer C, and another renewal with insurer C.
Just wondering how on earth I go about getting these two years of NCB reinstated on my current policy, do I simply phone up my current ones with the emailed letter from my old insurers saying my NCB won't be affected? Or do I have to phone up the insurer inbetween.
Any advice would be appreciated, thanks.
Timeline of events:
- Had an incident at the end of 2011.
- Partial fault decided, my NCB was reduced from 1 to 0. If there had been no incident at the end of that year it would have been 2 years NCB.
- Case goes to court, lots of drama over damage claim and personal injury, their entire case gets thrown out.
- Have received an email from my insurers at the time today to say that my NCB will not be affected.
- Since this I have gone from insurer A (who I was with at the time of the incident), to insurer B, to insurer C, and another renewal with insurer C.
Just wondering how on earth I go about getting these two years of NCB reinstated on my current policy, do I simply phone up my current ones with the emailed letter from my old insurers saying my NCB won't be affected? Or do I have to phone up the insurer inbetween.
Any advice would be appreciated, thanks.
call insurer A and ask them for your 2 yrs ncb proof from 2011. Send to insurer B and ask them to retrospectively allow the discount from the start of their policy, and issue you with the 3 yrs (or 4 yrs) ncb from the end of their policy in 2012 (or 13).
Send that to insurer C and ask them to increase your ncb from inception and allow the refund.
Send that to insurer C and ask them to increase your ncb from inception and allow the refund.
Greengecko said:
Just a quick one, hoping someone will have the answer as I'm unsure how to proceed.
Timeline of events:
- Had an incident at the end of 2011.
- Partial fault decided, my NCB was reduced from 1 to 0. If there had been no incident at the end of that year it would have been 2 years NCB.
- Case goes to court, lots of drama over damage claim and personal injury, their entire case gets thrown out.
- Have received an email from my insurers at the time today to say that my NCB will not be affected.
- Since this I have gone from insurer A (who I was with at the time of the incident), to insurer B, to insurer C, and another renewal with insurer C.
Just wondering how on earth I go about getting these two years of NCB reinstated on my current policy, do I simply phone up my current ones with the emailed letter from my old insurers saying my NCB won't be affected? Or do I have to phone up the insurer inbetween.
Any advice would be appreciated, thanks.
Eh? Partial fault was decided and by that i presume agreed? Why did it then go to court? What got "thrown out"? The claim for compensation, or the whole claim and fault found 100% against them?Timeline of events:
- Had an incident at the end of 2011.
- Partial fault decided, my NCB was reduced from 1 to 0. If there had been no incident at the end of that year it would have been 2 years NCB.
- Case goes to court, lots of drama over damage claim and personal injury, their entire case gets thrown out.
- Have received an email from my insurers at the time today to say that my NCB will not be affected.
- Since this I have gone from insurer A (who I was with at the time of the incident), to insurer B, to insurer C, and another renewal with insurer C.
Just wondering how on earth I go about getting these two years of NCB reinstated on my current policy, do I simply phone up my current ones with the emailed letter from my old insurers saying my NCB won't be affected? Or do I have to phone up the insurer inbetween.
Any advice would be appreciated, thanks.
If your previous insurer has agreed that your NCD will not be affected then ask for a letter to confirm what NCD you had when leaving them and send it on to your new insurer. I doubt they will rebate any money to you but the existing would have done had you stuck with them.
LoonR1 said:
Eh? Partial fault was decided and by that i presume agreed? Why did it then go to court? What got "thrown out"? The claim for compensation, or the whole claim and fault found 100% against them?
If your previous insurer has agreed that your NCD will not be affected then ask for a letter to confirm what NCD you had when leaving them and send it on to your new insurer. I doubt they will rebate any money to you but the existing would have done had you stuck with them.
Not agreed, but no claims were deducted until the matter was settled. It went to court as damages were claimed where no damage could have been done, further to this there was a ridiculously large personal injury claim. They submitted documents late, as such the court threw the case out, they attempted to get it reinstated but the court rejected this.If your previous insurer has agreed that your NCD will not be affected then ask for a letter to confirm what NCD you had when leaving them and send it on to your new insurer. I doubt they will rebate any money to you but the existing would have done had you stuck with them.
I have a letter stating that my NCD will not be affected, will chase around and see where I get starting from the bottom.
LoonR1 said:
Ah well, that's his choice and mess to sort out. Chase the lowest premium and it can often cause headaches
While I appreciate your advice, the incident was nearly 3 years ago, and as many other people on this forum don't quite have the luxury of not looking around for the cheapest quote.pork911 said:
What did 'partial fault decided' mean?
I have no idea of the exact wording, however no claims were deducted until fault was decided. I believe blame was attributed 50/50 until the court decided, however it was thrown out.The most recent letter states:
"This claim has now been settled and we can confirm that it will not affect your No Claims Bonus."
Greengecko said:
While I appreciate your advice, the incident was nearly 3 years ago, and as many other people on this forum don't quite have the luxury of not looking around for the cheapest quote.
You'll understand why he said that when you try and get two Insurers to reinstate your no claims bonus and refund additional premiums paid. It will be a long and arduous process.When faced with similar circumstances (admittedly with only two insurers involved) I forwarded the letter from my old insurers to my new, who in turn credited me with the extra NCB discount when I renewed with them. As I was going through a broker I figured trying to get any discount off the current premium by back-dating the extra NCB would've been wiped-out by an admin fee, so I didn't bother trying.
Greengecko said:
pork911 said:
What did 'partial fault decided' mean?
I have no idea of the exact wording, however no claims were deducted until fault was decided. I believe blame was attributed 50/50 until the court decided, however it was thrown out.The most recent letter states:
"This claim has now been settled and we can confirm that it will not affect your No Claims Bonus."
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