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)

+ Reply to Thread
Results 1 to 5 of 5
  1. #1
    Basic Account Holder tcbrown Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    2

    Default Proof of no claims for car insurance...

    Hi all, hope you can help me with this.

    I previouly had a car insuranceicon 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 DPA 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 yearsicon 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

    Similar Threads:

  2. #2
    Royalties Account Holder
    Help the CAG!!
    Download our toolbar
    barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    (near) Stoke on Trent
    Posts
    10,629

    Default Re: Proof of no claims for car insurance...

    Quote 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 yearsicon 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.

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.


    "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)



    www.unsubscribe-me.org

    www.LOVEstoke.org
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder craigwalton Novitiate craigwalton's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    Stocksbridge
    Posts
    395

    Default Re: Proof of no claims for car insurance...

    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???

    Abbey - owed 3260 - Paid up.

    Barclays owed 2500 - Paid up.

    Halifax, Mint & Egg - next on the hit list

    Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!
    Follows
    0
    Following
    0

  4. #4
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative Movingon Authoritative

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2006
    Posts
    2,707

    Default Re: Proof of no claims for car insurance...

    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 yearsicon by law.


  5. #5
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    May 2006
    I am in
    no doubt that Banks give a bad deal
    Posts
    55,254
    Blog Entries
    4

    Default Re: Proof of no claims for car insurance...

    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 yearsicon

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



    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






    Follows
    0
    Following
    0


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