Stupid question about NCDs

[Twincam16]

Maybe I'm being a bit daft here but I don't understand how you accumulate one of these.

In order to keep my insurance quotes down, I've always been on 'classic'-type policies, which haven't included NCD protection, which seemed fine to me because when I started driving my own cars under my own name, I didn't have any years NCD to protect.

However, now I've been driving claim-free for three years (spread over four different cars and five different policies, but three years claim-free driving nonetheless), but as far as my insurance quotes are concerned, I have no NCD and they're in what I'd expect supercar territory to be.

However, is the fact that I've been driving claim-free for three years enough for me to put 'three years no claims' on a prospective insurance form, or do I have to have some kind of legal documentation saying so?

Otherwise, I see no way of ever getting my premiums down to anywhere near acceptable!

[tim2100]

NCB, not NCD

You can try and provide them with the 3 years proof of no-claims. This is what many company car drivers have to do when leaving the company car scheme.

However not all companies will except it, but those that do after 1 year you will have 4 years NCB.

Unfortunatly you tried to save money by avoiding the system, you can't expect to jump back in the system now it suits you.

[Eviltad]

Your new insurer will want to see proof of no claims from your old insurer.

Have you not kept even one policy going for 12 months?

[Plotloss]

You earn an NCD by staying with the same insurer for 12 months contiguously.

You can change cars on a policy but the policy must remain.

[Twincam16]

Eviltad said:

Your new insurer will want to see proof of no claims from your old insurer.

Have you not kept even one policy going for 12 months?

Well, I was with one insurer (Lancaster) for a year in which I had three cars - 924, X1/9 and MR2. Then when I got my 155 I switched to Admiral for a year as their quote was very good (around £400). However, due to some fatuous made-up bullst about local crime rates on their account, my renewal quote was - get this - £1300, so I switched back to Lancaster again, who were reasonable-ish in comparison (£800). I'm in my second 155 year with Lancaster now but it's crept up to nearly £1000.

[Eviltad]

As a general rule you change insurers every year to take advantage of introductory offers. 12 months in, introductory offer ends and the premium goes up.

Unless you are especially attached to a specialist insurer you might as well change every renewal.

[Twincam16]

Eviltad said:

As a general rule you change insurers every year to take advantage of introductory offers. 12 months in, introductory offer ends and the premium goes up.

Unless you are especially attached to a specialist insurer you might as well change every renewal.

I'm thinking next time I might renew through AROC insurance.

It's just the No Claims issue really. I'm quite a safe driver with not so much as a speeding ticket to my name, and yet thanks to this situation with the lack of NCB accumulation, I might as well have had my car stolen every other month, and spent the months in between crashing it into other people's houses.