Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)
+ Reply to Thread
Results 1 to 8 of 8
  1. #1
    Basic Account Holder lovebanana Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2011
    Posts
    8

    Default No Claim Discount (Incorrect informations), is it fraud?

    hi, I urgently need your advice as i've got 2 days left : with experience please. I bought an insurance cover for my car 2 years ago, the policy docs was sent by email so I never checked it, then by the end of the 12 months contract, I was resent the written policy and a letter to say they will no longer be able to cover me due to a change of their conditions and I was given a 1 year no claim discount certificate. it's only then that I realised that the information about my driving licence was incorrect, I had a provisional licence for 3 years and drive at the side of my husband but on the paper its says 3 years full uk licence. i have now reinsured my car, the quotes are very high so I thought I could use my 1 year no claims bonus to get some discount, I did and now the new insurer want to see my NCD. My question are: is that NCD still valid even thought an information was incorrect and because I only realised it late I didnt do anythg about it. can I sent the NCD or simply cancel everything or tell them i no longer have it or try to explain it (will the believe me or report me?) and restart from 0? If I do use it, will my new insurer contact the previous one for details of my previous policy?(on the letter, a number is given to call + a reference number). is this going to be considered as a fraud? OR, WHAT SHALL I DO? Don't want to get myself into hot water but then i am paying 1900 for the year ... thanks for reading and replying

    Follows
    0
    Following
    0

  2. #2
    Basic Account Holder whitecraig_wizard Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2011
    I am in
    United Peoples Democratic Republic of Eastlovia
    Posts
    84

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    NCD = NO CLAIMS Discount,

    If you didn't make a claim you are entitled to notify new insurer, however you could be due monies to old insurer as they could claim that the risk charged was based on you having full licence and not provisional. It is a contract of the utmost good faith.

    Especially when it goes their way !

    How will the present insurer know either what premiums you paid or on what basis, to divulge this to present insurers may well breach DPA. All they will care about is that you have held insurance for a year and not claimed.


  3. #3
    Basic Account Holder lovebanana Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2011
    Posts
    8

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    I didnt have any problem while i was with the insurer so i never made a claim. so should i contact them after 1 year now to pay them more money before my ncd can become valid? thank u


  4. #4
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2008
    Posts
    5,220

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    Ignoring what happened previously, are you saying that you have correctly informed your current insurer of your licence details and length you have held it, and have a certificate from your previous insurer showing 1 years no claims?

    If so, then I would say at this time what happened regarding the oversight with your previous insurer is water under the bridge. As has been pointed out, if you had submitted a claim through your old insurer you may have had a problem as their "risk" turned out to be greater than they believed. No accident happened so the point is moot.

    The facts you have supplied to your current insurer are correct (including the fact that you have held an insurance for one year without claiming) so the quote they have given you is based on accurate details.


  5. #5
    Basic Account Holder lovebanana Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2011
    Posts
    8

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    ok, but would they foud out that my 1 year NCD was based on incorrect information? or if they did fid out, will that cause me ay problem? thank


  6. #6
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    raydetinu Highly informative raydetinu Highly informative raydetinu Highly informative raydetinu Highly informative raydetinu Highly informative raydetinu Highly informative raydetinu Highly informative raydetinu's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2008
    I am in
    camborne
    Posts
    5,841

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    I very doubt they will care as long as your current information is correct i.e. Length of time you held a full licence and that your are entitled to one year NCD.
    That is what your current policy will be based on.
    They do share information but dont think this will be a problem.


  7. #7
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative crem Highly informative

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2008
    Posts
    5,220

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    Quote Originally Posted by lovebanana View Post
    ok, but would they foud out that my 1 year NCD was based on incorrect information?
    Your 1 year's NCB is not based on incorrect information. The premium you paid may have been lower than it should have been because you may have been a greater risk to them than they had calculated for, but the fact remains that you have held an insurance policy for 1 year and made no claims against it.

    What premium you paid to the first company will not be made known to your current insurer and no longer has any bearing on your risk factor because the new company has the right details.


  8. #8
    Basic Account Holder lovebanana Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2011
    Posts
    8

    Default Re: No Claim Discount (Incorrect informations), is it fraud?

    thank you all. it's now clearer



Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE