Proof of no claims for car insurance...

[tcbrown]

Hi all, hope you can help me with this.

I previouly had a car insurance policy that expired in Jan 2005. As I no longer needed my car at that time I did not renew my insurance. However, I stupidly failed to get a proof of no claims letter in case I subsequently needed to get another car.

I called the insurance company today, and they say that they no longer have any details of my insurance cover with them, and that they will not provide me with a proof of no claims letter.

Surely they would still have details of past policy holders to help prevent against fraud, e.g. getting insurance from someone else and claiming that you have never had an insurance claim, when in fact you have.

Can I do a Data Protection Act request to find out if indeed they are holding any information about my previous policies? I do have a reminder letter/quote from them from around Jan 2005 that indicates on the back of it that I had 6 years of no claims; could I use this for my new insurance company?

Cheers in advance for any help you can give me with this.

TC

[barracad]

Originally Posted by tcbrown

I do have a reminder letter/quote from them from around Jan 2005 that indicates on the back of it that I had 6 years of no claims; could I use this for my new insurance company?

Should be fine but it depends on your new insurance company - I would think most would accept that. When I last renewed my insurance I told the new insurers how much no claims I had and they didn't even ask for proof.

[craigwalton]

I agree. But I cannot understand why they have no knowledge of your policy. The NCD is valid for 2 years. Is there a reference number on the quotation that you could give them???

[Movingon]

You were lied to over the 'phone; they DO hold details. Did you get the name of the agent you spoke to?

Anyway; simply write to them giving the Policy Number etc, the registration number, the address that was current at the time you held the policy... and ask them for a proof of NCD. They should forward it to you. If that fails then submit a DSAR as they MUST hold financial records about you in a relevant filing system for 6 years by law.

[MARTIN3030]

Absolutely correct.

A few of the big boys work together (3 of them are owned by one of the Banks)

If they have details of ncd therefore already they wont ask.

I dont know whether they are charging for proof of ncd they have started charging for issuing copy certificates (15.00-20.00)

There is the legal requirement tho to store all the records for 6 years

Someone here is telling a few porkies..........let them know you know the rules.