No Claims Bonus

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Hi all,
Just looking for some advice. My car insurance is due for renewal and I received my NCB from Aviva with my renewal. Now I have 9 years NCB but my NCB letter states I have 5 years +.

I tried a few quotes online and with 'it's for women.ie' there is a difference of e100 between 5 years NCB and 9 years. I rang Aviva and they said they can only give the letter stating 5 years + NCB.

I'm worried that if I put in 9 years NCB and the letter states 5 years + that the new insurer might not be happy with this.

Any help would be great.
Thanks.

i think 6 years is the max so that would be 5+

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[Deleted User] wrote: »

i think 6 years is the max so that would be 5+

Thanks for the reply. I tried the quote with 6 years and it's still a difference of e50.

cplwhisper

Ask its4women which underwriter is requiring 9 years .... 6 is the max that I see coming in from customers...

Stoolbend

I can't understand why they can't just print the amount of years claim free.

I've 15 years claim free. I'd like to see that printed on the cert.

Buffman

Ye, this '5 year plus' is annoying when you've longer built up. On my last no claims certificate, from the way it was worded, you could arguably say I'd only 5 years NCB, even though I've more. I know the max seems to be 6, but '5 plus' ≠ 6.

I've kept scans of all my NCBs down the years just in case it ever becomes an issue.

cplwhisper

If companies printed the full list of data on a renewal, they might have to print off tonnes of glass claims or multiple theft claims when also could turn away an insurer... Don't always wish for things that might come back to bite ya., have a client with 4 theft claims in 5 year period so he glad '06-'11 data gone

JustMac

I just changed insurance company today. The previous (123.ie) originally sent me out a document showing 6 years NCB despite driving over 20 years claims free.

Anyway I was getting a much better quote with Allianz when I put in 9 years + NCB (Their max) then with putting down 6 years. I complained to 123.ie threatening to bring a complaint to the financial ombudsman and they issued by email a new NCB document showing 9 years NCB.

As the issue was satisfactorily resolved I cannot bring a complaint to the Financial Ombudsman. I thing this is clearly a situation where the financial regulator should force insurers to issue a NCB document with the exact number of NCB rather than limiting to their own maximum. It seems clear to me that this is to done to increase premiums and discourage moving insurer.

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JustMac wrote: »

I just changed insurance company today. The previous (123.ie) originally sent me out a document showing 6 years NCB despite driving over 20 years claims free.

Anyway I was getting a much better quote with Allianz when I put in 9 years + NCB (Their max) then with putting down 6 years. I complained to 123.ie threatening to bring a complaint to the financial ombudsman and they issued by email a new NCB document showing 9 years NCB.

As the issue was satisfactorily resolved I cannot bring a complaint to the Financial Ombudsman. I thing this is clearly a situation where the financial regulator should force insurers to issue a NCB document with the exact number of NCB rather than limiting to their own maximum. It seems clear to me that this is to done to increase premiums and discourage moving insurer.

I'd agree with you there. Just seems strange why they can't put down you have X years NCB instead of what suits them.

sara7

Anyone know what to state on your car tax renewal form as insurer since its it's for women.ie isn't an option

Stoolbend

The insurance company that's on your disc. Itsforwomen is a broker.

j.s. pill II

If you ring a company that does take NCBs greater that 5 years in to consideration, they're just going to bang in 9 years or whatever it is on their computers to get you your quote. Similarly, if you're doing an online quote - fire in 9 years (or whatever it is you have).

It's at the document submission stage that you might want to pay a bit more attention

If you decide to take out this policy, you will then have to submit your NCB documents to the new company. If you have been claims free for the last 9 years and your NCB document only refers to the previous 5 years then you simply request your current insurer to draw up a document confirming the exact dates that you have been on cover for and to confirm that there have been no at fault claims or pending claims in this time period (some NCBs will actually denote the date you've been insured since automatically). If you have had multiple insurers during this 9 year period then you will need similar letters from all insurers for this time period. This shouldn't take more than a few quick phonecalls. This is not an unusual request so there shouldn't be too much hassle on your part.

Patricia Meath

It's 4 women is covered by AIG Europe Insurance