Jump to content


Proof of no claims for car insurance...


tcbrown
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6505 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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 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 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

Link to post
Share on other sites

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.

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.

Link to post
Share on other sites

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!!!!

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

 

;)

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.

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...