I need some advice here folks.
I've had a full UK licence for 3 yers now and got my first insurance policy in July 2006 to July 2007 and generated 1 years no claims bonus.
In November 2007, I changed my car (a P reg Ford Fiesta 1.4 Ghia, which was my dad's car) & got an X-reg Ford Focus 1.8 LX. The insurer quoted me a much higher quote than I though (yet the Focus was in a lower insurange group than the Fiesta) was acceptable, so I cancelled my end of tem and went to a different insurer, which offered a much more accebale quote.
I made no claims during the time with this new insurer between November 2007 to November 2008. However, in early November I received a letter from them stating 'unfortunately we are unable to offer you an insurance quotation for the forthcoming year, with the information we currently hold on our systems' but said we may be able to offer you a quotation upon further information from myself.
When I phoned to enquire, they told me that they were unable to insure my dad as a named driver as he was now over 70 years old, but they were able to insure myself.
As I wanted to keep my dad as a named driver (I am also a named driver on his insurance policy & he has no trouble getting a policy either), I felt rather annoyed (this is just being ageist) and I decided not to renew with them.
Upon using a price comparision site, I started looking for quotes. I had a phone call from a person from the site saying he found me an insurer with an even lower quote to what I found online.
I went for this insurer and filled in the relevant documents.
However, there is a bit of a grey area with my no claims bonus. I put down that I had 2 years no claims, having one years built up with my first insurer, but I didn't receive anything in writing from my last insurer regarding my NCB being updated, even though I had no claims and had (& still have) no penalty points on my licence or any motoring convictions either.
My current insurer are asking to try and get proof that I have 2 years no claims, and did sent them proof of my 1 years NCB with my first insurer.
What I'm asking is, can I still ask my last insurer to send me proof that I have 2 years NCB which is what my current insurer is asking for, even though my policy with them finished in November? I am able and willing to send proof for my 1 years NCB to them.
Any help on this matter would be greatly appreciated.
made make/model non specific and shouting subject line hushed
Edited by Pugugly on 24/01/2009 at 23:37
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Your last insurer (to Nov 08) should automatically send you proof of your entitlement when your policy lapses with them. Failing that you can contact them and they will send you it.
This assumes that when you got the policy with them in Nov 07, that they accepted that you had 1 yrs no claims.
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It was a couple of months since I had a letter from my last insurer and I have no dealing with them since.
Should I expect any problems from getting proof of my NCB from them?
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I'm still getting my insurer asking about the time with a previous insurer between July to November 2007, in which I renewed by policy and gained 1 years NCB by having a policy with them between July 2006 to July 2007, but as I mentioned I decided to cancel my end of term in November 2007 as a result of changing my car.
Should I still have that 1 years NCB, and after a further 12 months of being with another insurer between November 2007 to November 2008, have 2 years NCB, despite cancelling the end of term between July 2007 to November 2007?
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Sound like its only one year due to cancelling the insurance five months early..
Even so, the second insurance company is not going to give you a totalled up statement of of two years as they can only be sure of your time with them.
Maybe I`m wrong - it would be easier to understand if you used different terms such as insurance company A, B, C. then gave exact dates of what happened.
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As I wanted to keep my dad as a named driver (I am also a named driver on his insurance policy & he has no trouble getting a policy either) I felt rather annoyed (this is just being ageist) and I decided not to renew with them.
Most insurers won't take on anyone over 70 as a new customer. This is just based on risk assessment, not ageism. Once someone gets to 70 the best course of action is for them to stay with their current insurer.
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