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No Claims Bonus details

  • 24-08-2011 4:02pm
    #1
    ElvisP
    Banned (with Prison Access) Posts: 116 ✭✭


    I want to cancel my car insurance as the company seem incapable of setting up a standing order and keep sending me letters of doom. I want to change company but the potentially new company I called said they need proof of my NCB. Is my car insurance company legally obliged to send me confirmation of my no claims bonus? They insist they must receive a letter explaining everything accompanied by my insurance disk. Is this true?


Comments

  • #2
    January
    Closed Accounts Posts: 23,862 ✭✭✭✭January


    You need to cancel your insurance policy, writing a letter and including your certificate and disc to surrender back to the company and they will then furnish you with your NCB.

    Please be aware that if you cancel the policy in the middle of the year you will lose that years NCB. So if you have 4.5 years NCB now with X company and you leave to go to Y company next week, they will wipe off the 6 months of NCB you have built up with them and you will go back to 4 years NCB.


  • #3
    ElvisP
    Banned (with Prison Access) Posts: 116 ✭✭ElvisP


    I'm not too worried about the NCB total as it's over five years. The question is whether they can legally withhold the form if I cancel the policy.


  • #4
    January
    Closed Accounts Posts: 23,862 ✭✭✭✭January


    No, they cannot. Legally when you cancel your policy (but only after, not before, so if you write a letter and state you want the policy to end on the 31st August 2011 they can then furnish you with a letter of no claims bonus) they have to provide you with this letter. If they do not you can make a complaint to the Insurance Ombudsman...


  • #5
    ElvisP
    Banned (with Prison Access) Posts: 116 ✭✭ElvisP


    Thank you January. That's exactly what I was looking for.

    What do you think about starting a protest against a certain insurance company whose name contains five letters and who have exported their customer support centre to India while this country has mass unemployment? I have now switched to AXA.

    Thanks again.
    EP


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