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NCB reset to zero by insurer


Luk4shO
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Hello.

 

 

I have unusual problem with my previous insurer.

 

 

Back in June 2013 i renewed my insurance with MoreThan.

And then after few months I declared SORN on my car and cancelled direct debit on car insurance.

 

 

Since then I was not driving.

 

 

today I called them about getting my NCB proof since I want to get back on the road.

 

 

What they told me after I explained what happened is that since I haven't told them about SORN on my car

is they resetting my NCB from 8 years to 0.

Can they do that?

 

 

I never claimed and even without that extra year I cancelled,

my previous NCB is still less than 24 months (June 2013).

 

 

Can I get them to provide me with NCB certificate dated before I started that new policy?

 

 

How do I stand from the legal point of view.

 

 

Thanks a lot for all the answers

 

Edit: I forgot to mention that I do not owe them any money. I specifically asked about that and they confirmed.

Edited by Luk4shO
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Yes, I can understand that they dont have to accept NCB.

 

 

But I want them to provide me with my previous NCB proof.

 

 

The one which ended in June 2013, before that new policy started.

 

 

I want that for my new insurer since it's less than 24 months old.

 

 

Surely, they cannot reset my previous years because I didnt told them about SORN on my car

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Was there any clause in the policy which made it a condition you had to inform Morethan about the SORN. This would be unusual

 

Suggest a written complaint to Morethan, explaining the situation and saying that they were your last Insurers, so you require them to issue a letter stating the no claim discount years at the time the policy was last live.

 

I can't see why they could not do this for you and you then use this with a letter of explanation about the gap in Insurance to your new Insurers.

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