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named driver vs own policy Discounts

patu · 2013-06-22 09:13:32

Hello people, I have received a proposal for renewal from Aviva/One direct along with a Statement of No claims Bonus. That statement specifies that I reached Stage 5 out of 5 with a 50% discount meaning to me that I can't reach any higher discount. However underneath there is written ''to confirm that the above named…

22-06-2013 9:13am

#1
patu

Registered Users, Registered Users 2 Posts: 4 ✭

Join Date: February 2013

Posts: 2
Hello people,

I have received a proposal for renewal from Aviva/One direct along with a Statement of No claims Bonus. That statement specifies that I reached Stage 5 out of 5 with a 50% discount meaning to me that I can't reach any higher discount.
However underneath there is written ''to confirm that the above named insured is entitled to a 50% No Claims Discount on vehicle XXX as at 2jun representing stage 5 on our No Claim Discount scale**'' then it adds **the actual number of years claims-free on this policy are 0 (meaning, as far as i understand, i gained all that on being in a named insurance from my fiancee for 5 years). Now I have already got 1 full year NCB by having my own insurance and i want to shop around.

My question is would you, when quoting online, type in 1 year as NCB or 5 (since the statement states 50% discount)????? My logics says I'd need to type in 1 year but then I am afraid they do not take in consideration all those years.

Any help is appreciated!

Thank you!

Tagged:

ncb years

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