I think you should be ok with that, I can't remember which insurance company it was but they told me to hang on to the renewal and use it as proof. You are right though, they don't make anything easy!

I had similar, sent renewal through to Coop as proof of no claims, had a snotty letter a few days later threatening to cancel my new policy if i didn't send proof immediately.

Cue a ridiculously long phone call trying to explain to the worlds most obtuse woman how to read an NFU renewal notice.

Went elsewhere after a year, perish thr thought of how they'd handle a claim, was with them twenty to thirty years ago and they couldn't have been more different.

Customer service has gone down the s*** hole, what we have now is corporate remoteness using robots in call centres and "the computer says nah!" culture.

I have just moved from SAGA to Aviva (and saved £90 on a £300 premium). I had proof of no-claims from the SAGA renewal but they didn't want to see it so, as someone else has suggested, perhaps the companies have some shared data-base of info?

I'm told that there is no shared database. Some companies will contact each other for the info, but according to Swinton the AA won't talk to them.

Edited by pullgees on 08/11/2013 at 08:24

There is a minimum amount of data held on MID there are also "general" fields that hold free-form data - containing all sorts of nuggets of information - the MID specification only specifies the minimum amount of data held and shared to appear to be witin the realms of data protection act, although by accepting a policy you are agreeing to "interested parties" (other MID users) having access to your personal data outside the realms of the data protection act.

There are quite a few other insurance databases floating around where they exchange information. MID (or MIB) is the 'official' one that plod uses.

www.insurancedatabases.co.uk/default.aspx (CUE)

www.insurancefraudbureau.org/

www.experian.co.uk/blogs/latest-thinking/2013/06/n.../

The No Claims Discount (NCD) database – a centralised database of records associated with any individual’s ‘no claims discounts’ has been launched.

For the first time in the UK, the insurance industry will be able to confidently, quickly and easily validate the ‘no claims’ history declared by individuals during the quotation, underwriting and claims processes.