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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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UK car insurance co + no claims bonus EU


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Ive earned No-Claim Discount in Spain the last few years and have now returned to the UK expecting to pay a reduced premium for my car insurance using the spanish no claim bonus. However, so far several UK car insurance companies refuse to accept the spanish NCD.

 

I would like to know if i can challenge them under EU law as UK car insurance companies NCD's have always been acceptable in Spain so why not vice versa.

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I doubt you have a case

There's no legality in a NCD, it's a discount offered by the individual supplier and nothing else. If they don't want to iffer the discount, they don't have to. The situation could change if you could prove an insurer was taking someone on with a EU NCD and not you, that would be discrimination.

This is of course only my opinion.

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  • 2 weeks later...

My understanding of discrimination in the EU coomon market is:

if a driver has 3 years NCB from UK

and another have 3 Years NCB in Germany

 

if insurer give discount to one driver but do not discount the other -- this is discrimination -- the insurance companies activates in a common market and therefore it should be equivalent.

 

At the moment I have a similar issue with some UK insurers: I have an EU driving licence, and eventhough there are no valid reasons some insurars do not provide me with a quote (as I do not have an UK driving licence).

 

Anyway, I am reaserching right not, and as far as I could get, for my case is that they are faulting EU laws, by indirect discrimination (I sought legal advice from EU commions on this issue)

 

you can contact the EU commision to ask for your own case, but in my opinion if they fail to aknologe your NCB they are discriminating

 

hope this helps

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  • 3 months later...

I am in the same situation as you with a UK insurer, they say they can't accept my No Claim Bonus from an Italian insurer. Therefore they want to charge me double the amount. This really sounds like discrimination against Eu regulations.

Have you got anywhere with your inquiries with the European commission? Does anyone else have any advice in regards to this? Thanks

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Direct Line, Churchill and the other RBS Insurance brands accept European NCD provided it is in English showing the number of years entitlement.

 

To my knowledge most Insurers do, provided they can see what your entitlement was.

We could do with some help from you.

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thank you very much. I hope I can sort it out. Will keep you posted ;)

 

Did you get anywhere?

 

We have just returned for Germany. Neither Churchill nor Morethan will accept the standard european letter which has each sentence in French, German, English and Spanish. We are getting very frustrated - German insurers accepted the english letter from Churchill 13 years ago. If this doesn't work what on earth is EU about??

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

We could do with some help from you.

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

 

thanks for this. We have asked them - they want a letter that is ONLY in english, and not one line by line. Asking for clarification from either Churchill or Morethan is fruitless. We have not been able to access the individual who agreed the NC letter was ok. We have been unable to reach anyone in authority. We have now gone to a broker, and asked to try a more european orientated company such as Zurich.

 

As someone who is not overly enthusiastic about europe, having lived in Germany for 13 years, and now returning, it seems the whole idea of a single market is a complete fallicy (Pensions, bank transfers, "imports" are just a few examples).

 

Back to the car. We will try through the broker and let you know what happens. The german insurers (BBV) insist the letter is standard and "must" (German thinking) be accepted here. Would be interesting to see a UK insurer producing a NC letter in German, French or Spanish....

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The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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thanks for that, its useful information. We will perservere, but do seem to be up against a brick wall of beauocracy - much more so than we ever came across in 13 years in Germany !

 

 

The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

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The UK Insurance industry has gone down hill in the last 10 years or so. I would say that most provide a pretty poor service. This is partly why we have seen high street brokers increase their sales in recent years. People get fed up of dealing with call centres !!! Some of the companies have even outsourced or off-shored some of the work. I think some of the admin work for some companies is sent to India.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • 1 year later...

Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

 

I tried all the chances, from new UK licence no NCD to long experienced EU licence with NCD, the prices seems to vary just from 120 to 500 on MCN, and it's quiet fine, but it doesn't always work on the companies' website. I was asking for a suggestion of a company to try as well. If anyone knows.

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Having tried this the opposite way round, the NCD is a ''discreationary benefit'' not and obligatory one!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...
Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

 

MCE, they recognised my Irish NCB & Irish licence.

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MCE, they recognised my Irish NCB & Irish licence.

 

Thanks, I'll try with them, but it's probably harder for me because the NCB will be in another language and it's not called even NCB!

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If it's in another language you have virtually nil chance of an Insurer accepting it.

 

The only chance I can think of is if you find a broker sited in an area with a large percentage of that countries nationals living there who might be able to persuade an Insurer

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Actually as it's Spainish bonus, try a broker in Spain such as Neil Rowley who specialise in Ex Pats, they may have a connection with a UK broker they can recommend for you

 

Actually, I was going to ask to my insurance company in Italy to provide me with an English version or, at least, sign one translated by me... Hope it will be enough for the UK insurer....

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