Can they refuse me my NCB?

[angryt]

I started driving in feb 2007, I was with 1 insurer for 2 years getting 2 years no claims, then I was with another for a few months before they unexpectedly cancelled it because they didn't get "proof" of my no claim bonus. So I joined more than, telling them I had 2 years because I had nearly 2 and half, I was with them for around 7-9 months, never claimed, then I decided to scrap my car and buy a new one.

 

The quote more than offered was extortionate so I went with alliance and leicester who had the best deal. By now I have 3 yrs, 3 months ncb, so I say 3 years, i ask more than to send proof but they send a letter saying I only have 2. When I ask them why, they claim that since I didn't complete my year with them, I get no extra no claims bonus for the 7-9 months I was with them, and I only have what I said when I arrived - 2 years!!!!

 

Can they do this? Now alliance and leicester will want more money, even though I have had insurance since feb 2007 and never claimed...can they really do this to me when I have never claimed on my insurance.

[honeybee13]

Could I ask a quick question please? Are you saying that you cancelled the More Than policy partway through a policy year?

 

HB

[angryt]

yes, but only because i scrapped my car and bought a new one. I wasn't willing to pay their price for the new car as it was much higher than others, and several hundreds pounds more than my old car.

[AllAboutYou]

Honestly, that sounds perfectly fine - you didn't complete the year with them, so why would they give you a year's NCB?

 

If they did, then you could trivially get a 10 year NCB in about 5, or even 3 years, by cancelling every policy early and "gaining time".

[angryt]

but I'm not saying they should just give me a year when I have only completed a few months, but when I joined I came with 2 and a half years already, I was with them for enough time to pass the 3 years mark, but now they are saying I can only have 2 years and thats it. So I lose the half year I accrued when I started and the 7-9 months I was with them, which is well over a year.

 

So can I not accrue a year with 2 different insurers, does it have to be 12 months with 1 insurer, and thats it, rather than say 3 months with 1 iinsurer and 9 months with another?

[Trojan1401]

1 Year NCD is normally allowed provided you are claim free during that period. As yo cancelled a policy mid-term you will not gaid the extra year. Even if you cancelled after 51 weeks you have not completed a full year therefore would not qualify for an additopnal years NCD.

The insurer is correct in this instance I'm afraid

[honeybee13]

Hello there. Insurance sure is complicated, but it does remind me of the saying 'If all else fails, read the instructions' [policy terms]. Sorry.

 

HB

[Arghh]

Yeah, unfortunately they're right - months/ weeks won't get taken into account when it comes to no claims bonus.

 

No claims bonus will only be given if you stay with the same insurance company (the underwriters, not just the brokers) for the full year, have made no claims and had none made against you.

You aren't able to carry over your months to another insurance policy I'm afraid as they will just round it down.

 

Sorry for the bad news.