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Anyone know of any car insurance companies (maybe on line ones) that will accept my 5 years NCB without asking for evidence? Elephant used to but no more.
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Firstly thanks for providing a hearty laugh. :-)
Secondly, I think you'll find the insurance companies won't take your word for it, or if they do they'll certainly want proof when you make a claim, you'll have to contact your last insurer for a piece of paper with the NCB details on it.
Although there is a swish new inter-insurance computer system I don't think it is clever enough yet to hold all your details other than whether or not a certain vehicle is currently insured.
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I've only once been asked to provide proof of my NCB either online or elsewhere and I change insurers (depending on whether it will prove less costly) at least once every two to three years.
Any insurance company will soon discover if the information you provide is accurate or not....
- - - - - - - - - - - - - - - - - - - - -
What\'s for you won\'t pass you by
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I'm with Elephant.
They let me take out cover without proof of NCD but required it within 30 days or they would charge me the difference between my premium and the one that would have been charged had I not had any.
I then wrote to my previous insurers (when I was at a different address, with a different car) who wrote to me and I sent a copy of the letter off to Elephant.
The whole process was very painless and cost me no more than the postage, and if you can't provide proof to that low standard then I'd remind you that if you give a misrepresentation when applying for insurance, the insurance company is within its rights to refuse to pay out for your damage and to sue you for any outlay it makes to third parties.
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I think AS400 is possibly talking about 5 years of *accident free* driving on a company car scheme that is insured on a road traffic act basis only, the rest covered by a bond. In this case you dont get a traditional no claims bonus, but can get a letter from a relevant authority to state there have been no accidents in the last x years. Not all insurance companies accept this as a no claims bonus however.
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RF
AS400 - was this a machine name or is my memory playing games on me? or is it a clue to his provenance?
NCB is just that, earned thro having a personal policy. Some insurers may allow a (significant) introductory discount on his (documented)accident free company car use, but can it be carried forward as a NCB? Surely a letter from employers company car unit would suffice. This is very little different to being a named driver on another policy and using that as evidence of accident free record.
I kept my 3 private policies running during my 10 years of company car period to ensure continued discount and history. Maybe more money than sense, but it did give a good long claim free history for each policy with each insurer. The days when a history was worth something.
pmh (was peter)
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Maybe more money than sense, but it did give a good long claim free history for each policy with each insurer. The days when a history was worth something.
pmh (was peter)
Dont think a long history is worth much these days I have 16 years on the policy I have on the car my son is now learning on but I have a sneaky feeling that while one accident wouldn't lose the NCD since it's protected it would still count louder than the previous 16 years if I tried to change insurer.
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No insurance company will give you an NCD without proof of entitlement. Increasingly, however, that proof does not need to come from yourself.
You need to give more details if you want a better answer.
M.
p.s.
I'm afraid that 16 years history is verging on the worthless. Most insurers care up to 4 years, and some up to 5 or 6. That's about it. Although the same is not true of trade or fleet insurance where the more history the better.
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"RF
AS400 - was this a machine name or is my memory playing games on me? or is it a clue to his provenance?"
1/ Yes 2/ Probably
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I've switched companies frequently but never been asked for proof. I assume they have a linked database and can find out for themselves.
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>>AS400 - was this a machine name
Was ? Still is. Horrible though, even though I just bought a couple of new ones (under protest).
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"Was ? Still is. Horrible though, even though I just bought a couple of new ones (under protest)."
Nudges IBM eServer iSeries specialist sitting next to him. "Hey Biggot - when did we (godamn) *THEY* stop calling AS/400's AS400's and start calling them IBM eServer iSeries?"
"That would be about 2000 Mr RF Sir"
"Thank you Biggot, now get back to work"
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You must have done the same search as I did! I found the same thing!
AS400 (as a range name) must go back at least 15 years?
Sorry Mark, off topic, BUT it does relate to the Author of the thread.
pmh (was peter)
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*THEY* stop calling AS/400's AS400's
We've stopped calling them $%£^ IBM POS and agreed to call them AS/400s.
Seems like a reaosnable compromise until you come up with some modern technology.
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>> *THEY* stop calling AS/400's AS400's We've stopped calling them $%£^ IBM POS and agreed to call them AS/400s. Seems like a reaosnable compromise until you come up with some modern technology.
Oh dear, Mark, you seem to be forgetting that there's a gang of us now....
V
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"Seems like a reaosnable compromise until you come up with some modern technology"
Talking of which, how is your state of the art, leading edge technology "cant talk to a mobile phone" IPAQ?
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I used Norwich Union Direct when I first moved here last year as they were the only ones who would accept my US no-claims. Having said that, they have yet to ask for actual proof of it. I re-newed with them last month and still no mention of no-claims proof.
I am a bit miffed though as I went through hell to get anything off my US insurers as they use an insurance database to check individual records and they could not fathom why my next insurer could not just access that database. Even after explaining that I was moving overseas wasn't much help as they were adamant that the database could be accessed over the internet and there is internet access in the UK *sigh*
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