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Firstly thanks to my wife for letting me use her account and get this off my chest.
Secondly I know I may have been a bit daft, but still very annoyed as I hope you will see!
I own a Nissan 100NX with insurance valid until 22nd August 2008 with Admiral, I recently bought a Hyundai Coupe and insured it with Esure (via the website). I could not bare to part with the Nissan so kept it. Esure requested my Proof of No Claims Discount, so I sent them my documentation from the Nissan. Today (6th May 2008 ) I received a letter form Esure saying that as my policy is still valid it is not acceptable proof of No Claims Discount.
I phoned Esure and was told that as it is 'common knowledge' that you can not use valid insurance to transfer to another car, I asked where this was quoted in the policy documentation and was told 'as it is common knowledge the FSA have said insurance companies do not need to quote this anywhere in their policy documents'
This does make sense once I thought about it, but just to check I phoned the FSA and was told they do not and have not made that rule. They gave me two bits of advice 1. Phone Esure and ask for evidence of where the FSA say this 2. Ask Esure if they will keep both policies open and raise my excess until the Nissan policy expires.
I phoned Esure back and explained I was a bit annoyed at being lied at especially as I was told the FSA had given this advice. The lady on the phone said 'I apologise on behalf of the previous agent you spoke to and the company, actually not the company just the other agent.' She could not help me with the other enquiry about excess but the sales manager would phone me back before 8 (15 minutes to go!).
I would like to know if anyone thinks I have valid grounds for a complaint, or just put it down to experience.
Most companies will only allow you to use your no claims discount on one vehicle at a time, although some do allow an introductory discount for a second car. I assume that is what the Esure adviser meant when they said you cannot use valid insurance to transfer to another car.
However, if you don't use the Nissan as much as the Hyundai Coupe, it would make sense to transfer the NCD to the new car, which should be allowed. Hopefully it will all be sorted out when the sales manager calls you back.
Cheers mate, like I said once I thought about it it made sense what he said, it's just the being lied to that annoys me! I think I may have a bit more leverage for them to allow me to transfer NCD to Hyundai.
I get this question a lot so I'll explain it here in the hope that more people don't fall into the same situation.
Most insurers websites will ask you to input how many years NCD you have.
Next to this, there is usually a little icon (usually a question mark).
If you click this, it brings up a pop up box which clarifies what they need in regards to proof of you NCD. In Esures case it reads :
"no claim discount years
You will get 70% off immediately if you currently have 5 years NCD or more, and an extra 1% per year for the next 5 claim-free years with esure, to a maximum of 75% off!
We will need you to provide us with proof of your no claim discount. This can either be your last renewal notice or a letter from your current or a previous insurer confirming your discount entitlement. Please note you cannot use the same no claim discount on more than one policy at the same time. We will only accept original documents"
With online quotes/acceptances, the onus is purely on the customer to read the terms/conditions carefully and ensure they have the correct cover they need.
Obviously the consultants you spoke to at Esure should know this and should have advised you of this the first time you call in, the stuff about the FSA is just a load of crap. (as you've found out!)
Bottom line is, i'd agree with lemontwist and suggest you try and remove the NCD from the old car, pay whatever AP admiral ask for, then use the NCD on the newer car.
Either that or try and find a company that will allow the NCD on both cars by mirroring the NCD on the first one onto the second.
Hope this helps
DA
If you find the advice I give is useful, then please feel free to click the scales
"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt"
Esure have slightly annoyed me
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