Motor Switching insurance companies - NCB record

G

Gekko

Registered User
Messages
410
Hi Folks. When your insurance is up for renewal, the insurance company send you a certificate of no claims bonus which reflects your number of years without a claim. This can then be used as evidence of your status if you choose to switch providers. But what do you do if you've (say) 5+ years NCB with a provider but you've only with them for (say) 2 years? Your certificate only says 2 years, even though you've 5+ years NCB. Any prospective insurer will then think you've only 2 years NCB. If you've to contact the insurance company from years ago, they'll give you the runaround as you're no longer a customer.

Thanks.
 

What are you asking ?

Are you telling us something ?
 
It should say that you have 5 years + NCB but that only 2 years of this is with them, (any proof of NCB I have ever received says this)
 
Gekko said:
But what do you do if you've (say) 5+ years NCB with a provider but you've only with them for (say) 2 years? Your certificate only says 2 years, even though you've 5+ years NCB. Any prospective insurer will then think you've only 2 years NCB.
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POTY said:
What are you asking ?
Click to expand...

ACA didn't seem to have any difficulty identifying what I was asking.

Thanks for your help, ACA.
 
Gekko said:
ACA didn't seem to have any difficulty identifying what I was asking.

Thanks for your help, ACA.
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Cryptic at best.

It will always state something like 70% / 50% point 5 etc.

All insurers will recognise their rivals percentages etc for bonus.

Wouldn't be worrying about what your current company issue.
 
POTY said:
Cryptic at best.

It will always state something like 70% / 50% point 5 etc.

All insurers will recognise their rivals percentages etc for bonus.

Wouldn't be worrying about what your current company issue.
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It's my other half's insurance and it's with the AA.

She has the maximum no claims bonus (i.e. over 5 years as she's never made a claim). She switched to the AA 2 years ago. The certificate issued by the AA says that she has 2 years no claims bonus.

She's now switched to a new provider on the basis of having more than 5 years of no claims bonus and the new insurers have (obviously) requested a copy of her certificate of no claims bonus. I foresee a problem as the AA certificate says that she only has 2 years NCB.
 
The AA NCB cert clearly should reflect the full entitlement, including her past experience prior to them. If it's not shown request a new one from AA.
 
horusd said:
The AA NCB cert clearly should reflect the full entitlement, including her past experience prior to them. If it's not shown request a new one from AA.
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Okay, will do. Thanks for your help, Folks.
 
I'm predicting a similar problem is gonna arise with me & Quinn in the next few days. Just spoke with them there about cancelling a policy which began in January. Asked for a new quote and was told I have 5 yr NCB for that quote. The quote was a bit $$$$ (€448 best she could offer) so I went onto 123 and got a quote of €258 !! How can I not go for that ??

I know they'll fcuk me over when I go looking for the NCB proof. I'm driving 12 yrs, never any claim, never any convictions.
 
Look at your certificate again. It more than likely says 50% NCD or no claim bonus, number of years with this company 2. Which means you are being allowed 50% no claim bonus but you've been with with your existing insurer for 2 years. Any new insurer will allow you a 50% no claim bonus.


www.powerinsurances.ie
 

Never uncomplicated with Quinn Direct ........ NEVER !!
 
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