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tobyjugg2

Renewal time arrives and my 18 years NCD has turned into 9

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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 shown on the document as 9 years NCD.

 

Luckily I haven't had to make a claim and hence be sold of to some third party shyster company to inflate costs and require me to sign credit agreements for cover that should be included in a fully comp policy .....

 

Lets see what happens for me.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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Quite correct Ford - I should have included that. Thank you.

 

Possibly should have just added to the end of that thread ..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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i saw an article where it was saying that different insurers may use different years/calculations re ncd, but 9 years being the acceptable minimum for 'full' ncd? and if they want to investigate further then they can get confirmation from the insurer.


IMO

:-):rant:

 

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Same as octagone.

Most insurers charge the same premium for 9 years ncd or any more.

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Same as octagone.

Most insurers charge the same premium for 9 years ncd or any more.

 

We are talking about not registering and improperly and unreasonably reducing customers earned NCD

 

and anyway, No they dont charge the same over 9 years. Some may, but Hastings is the first one I've come across that does

and I confiormed it when it first came to light by doing my quotes with 9 years and with 17 years - and the quotes came out differently and lower (with 17 years) as I stated in the linked original thread,


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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Normally any reduction for no claims is restricted to say 9 years. If you put 17 years in for a quote, it might give you a cheaper premium, but it won't be because a different percentage discount for no claims is being allowed.

 

This situation is not unique to Hastings. Very few companies will issue NCD proof above their maximum, unless you ask them and even then it can be a struggle, as they may have to retrieve the previous insurers NCD proof you sent to them.


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If you put 17 years in for a quote, it might give you a cheaper premium, but it won't be because a different percentage discount for no claims is being allowed.

 

Then what is it that results in cheaper quotes when the only change is entering 9 or 17 years NCD unclebulgaria?

That was how I tested.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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We are talking about not registering and improperly and unreasonably reducing customers earned NCD

 

and anyway, No they dont charge the same over 9 years. Some may, but Hastings is the first one I've come across that does

and I confiormed it when it first came to light by doing my quotes with 9 years and with 17 years - and the quotes came out differently and lower (with 17 years) as I stated in the linked original thread,

 

I'm in your same situation with octagon.

I had 15 years ncd and they only go up to 9.

I tried a quote with 15 years and came up with the same amount as when putting 9.

Maybe different for other insurers.

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I'm in your same situation with octagon.

I had 15 years ncd and they only go up to 9.

I tried a quote with 15 years and came up with the same amount as when putting 9.

Maybe different for other insurers.

 

I did it on a handful of the comparison sites rather than individual sites and the quotes came out different for a number of sites. I seem to recall it was even different for Hastings but not certain now. May have been Hastings rather than Hastings direct.

 

There are other issues with sites (Swiftcover for one) not actually giving what you put in as a requirement (ie courtesy car) in the comparison, but to give Hastings their due, when I sent them the comparison reference, they gave me what should have been there at no extra cost.

You also need to be very careful about what each company considers interpretations of what various things like a courtesy car add-on are.

Hastings (and others it would seem) apparently only give you a courtesy car if you use their shyster (in my opinion) third party mis-'management company who expects you to sign credit agreements, even if you put 'I want a courtesy car' in you specs. Even then its only - if available.

I dont doubt Hastings are not the only ones doing this.

 

 

Just to clarify,

I don't really care if they are competitive as I'll go where the best deals and service are, and none of these companies seem to value loyalty, but I DO care that they are in the process of wiping out 9 years of my earned and paid for NCD that WILL get me a better deal with other companies.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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