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Found 13 results

  1. Being a new customer of Hastings direct I was astonished to see that my many years of no claims discount (as submitted) had been reduced to 9 years by hastings when i was attempting to check the new policy details. It seems that whatever your actual NCD, if it is more than 9 years, Hastings directs' system only allows a maximum of 9 years to be entered and that this reduction is done automatically without notice (other than showing the substituted amount buried in the policy details). Both my prior insurance suppliers' systems had no issues with recording and reporting NCD
  2. Hi all, I've tried searching for an answer, however I can't find anything definitive, so here goes:- as I understand it,the NCD is for the person, I say this, as if you have an accident you (the person) lose your NCD regardless of what car, van, lorry (unless you have a protected NCD, or would affect your NCD Also reinforced by the fact that if someone driving your car on a TP insurance on their policy, you don't lose your NCD. now, then, if the NCD is for the vehicle and not the insured owner, why, when you change your car do you not have to start the NCD process all over
  3. Please forgive me if the terms aren't 100% correct. Different insurers do their calculations differently, but this is my understanding of the basic process: No Claims Discount, normally rated in years, is a discount given which insurers apply to your actual calculated 'rate' or risk. Different insurers use different amounts for the years earned - no consistency. Your Rate or Risk is calculated based on some industry calculations tailored by individual insurers, which consider what is the likelihood of having to pay out to you, and is based on many factors including age, locatio
  4. Its been almost a year since I took up Hastings Direct insurance and discovered they immediately turned my 17 years no claims discount into 9 years. I complained and was told I would not lose any discount despite their systems only logging up to 9 years, and despite a number of reports here that customers who did not notice that Hastings had truncated their NCD DID lose their NCD above 9 years. The renewal of my fully comp (which apparently isn't actually what I understand as fully comp with Hastings I have since discovered) with 17 years protected no claims at taking it out is being
  5. Hi All, Seem to find myself on here everyday at the minute ! I am cancelling my car insurance as presently have no valid driving license and recently learnt the insurance isnt worth jack while I dont have a valid license, but am keen to keep hold of my No Claims Discount (I have the maximum 9 years). Can anyone confirm that the NCD is valid for at least 2 years while it sits in situ and not tagged to a policy? I've got this 2 years from various googling, but all the posts are years old so I wanted to check this is still the case. Also, when I cancel, what should I do -
  6. If this question has been asked before, I couldn't find it.. Please can a knowledgeable person explain to me why NCD is connected to a combination of person AND vehicle ? Surely NCD is applicable to the person driving, cars don't have accidents on their own ! This topic has vexed me for a while and only when I stumbled on this forum did I think I might get a proper answer from someone in the industry. I'm primarily interested in the logic behind the thinking, I'm not interested in a flame war, the rules are the rules, but I really don't understand the logic. Thanks
  7. I'll try to keep this as brief as possible. A while back some one bumped my wifes car while she was parked in a car park putting shopping in the boot. Other party admitted liability. Wife contacted her insurance and notified them but stated that she was unwilling to shell out the £350 excess and that she would wait till other party had contacted them to confirm liability. Eventually wife got a text from her insurance saying that other party had admitted liability and the excess would be waived. Car got repaired and returned. All good so far. Now she's been contacted by he
  8. Hello, I had ecar insurance for the past 3 years. They offered me a renewal of more than 3000 a year. I asked for the proof of NCD and they sent me a letter saying that I had 0 years NCD and inviting me to renew. The only incident that I had was when another car hit me from the back while I was stationary at a roundabout. I notified them as I was supposed to, was given ref. no.and told they would contact me if there was any development. They never did. I didn't claim as there was no damage. I tried to contact them now but to no avail. The only companies that offer me 'quite' cheap in
  9. After very carefully shopping around to find the cheapest deal to insure my car, I bought a policy with Quotemehappy.com on 30th September. On Monday 1st October I purchase my new car, however I still needed to sell my old car. I am disabled and due to illness this took longer than anticipated. I explained this to Quotemehappy.com and arranged for an extension to send in my proof of No Claims' Discount, which was granted until 22nd October. On 19th October, I sold my old car and phoned Admiral (my previous insurers) to cancel my policy and request that my confirmation be sent out. As t
  10. Hi I'm waging war on some of the greedy corporations I've had to deal with lately!! I hate them with a passion right now. Anyway, I'm having a problem cancelling my car insurance policy with Co-op/Eco Insurance. I was insured with the Co-op for years up until March 2010 when my car was written off. Not my fault and claim was paid for by the other party. I had a full NCD when my insurance ended at that point (as I didn't replace the car). In June 2012 I took over the ownership of my daughter's Clio (1.2 ltr teeny weeny engine). I went onto Compare the Market for an insurance
  11. Hi I have been with my current insurers for 2 years. I went to them with 3 or 4 years NCD and I would have had to prove this by faxing them my renewal letter from previous insurers. However I am now leaving current insurers and when I had my renewal notice they have quoted it as 11 years (should be 5 or 6 years). I have phoned them twice to question this and both times they have told me it is correct. What should I do? Get new insurance with 5 years NCD or quote the 11? It does look like someone somewhere has made an error (not me). I can't find an e-mail with a sca
  12. I recently took out a new insurance policy after finding a cheaper deal with a new company and as I was going through the process over the phone it came up that a claim had been made on my policy back in March 2010 on a different car. I was the main driver at the time but the claim for £150 was made by one of the named drivers on the policy. I was naive regarding the No Claims Bonus and assumed that as I wasn't driving when the claim happened, I didn't need to put it on my own policy. I also honestly thought that an NCB was valid for as long as you had been driving without a claim,
  13. Hi In May of this year I called Hastings asking for advise about a potential claim. I did not make a claim and cost the company nothing. They have now removed my NCD which has increased my renewal from £400-£600 (using price comparison sites) Can they do this and how do I get my NCD back as, as far as I am concerned no claim was actually made. Please Help! Thanks
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