Insurance no claims bonus

[Dan W]

Hello, I am looking into insurance for my new landcruiser but I have a question about my current insurance. I am with Noel Dazely at the moment on one of their 4x4 insurance policies and whilst it has many advantages, the drawback is that you don't accrue a no claims bonus. So my question is what should I say to insurance comapnies or online forms when they ask? Noel Dazely say they will provide me with a piece of papaer to say I haven't had a claim but not to say I've got a no claims bonus. Before I joined them I had 3 years NCB and I've been with them for 2 years.

 

[piers_finlayson]

I'd let them what you've told us. There's no point taking a policy out with someone only to find out later that they won't take that letter as proof of your NCB.

Some insurers (certainly NFU used to) will give you a no claims bonus on the basis that you tell them you've had no claims. (Would guess they also search the insurers' claims database to be sure.)

 

[chadr]

The fact that your current insurer doesn't give you a discount based on NCB is probably down to thier T&Cs. Though you would think that if you have had "No claims" for 5 years and you can prove that, then you should be able to get 5 years NCB with an insurer that offers a discount based on that.

I'd get the paperwork sorted to prove that you have had no claims in the last X years and then discuss with potential insurers - as they will most likely want to see proof before they honour any discount.


However, given past experience with insurers, I wouldn't put it past most of them to try and wriggle out of any discounts if possible.....

 

[Doodle]

They should be issuing a 3yr NCB note. Just because you don't accrue any doesn't mean that it isn't valid - no doubt they took it into account when issuing your policy to you, and therefore it shouldn't have lapsed because there has still been a valid policy running that was using it.

Phone them up, ask politely but be firm if need be - I've been in this situation many times before.