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Query re date of claim and subsequent NCB

  • 19-08-2019 11:01am
    #1
    loveisdivine
    Registered Users, Registered Users 2 Posts: 2,463 ✭✭✭


    Hi,

    A claim was made on our insurance and "date of loss" is recorded as 04/09/2015. Our insurance then renewed on 09/09/2015.

    I've just realised that our insurance company (same company as when the accident happened) only have us down for 3 years NCB, but if the date of loss is before we renewed in 2015 then surely we should be at 4 years by now?

    Edit to add - We also actually had (and still have) step back protection at the time. So the 6 years we had should have been reduced to 3, plus the NCD we have accrued since then. So theoretically we should be on at least 6 by now?


Comments

  • #2
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    The 'Step-Back' is purely related to your Insurer at the time of the accident. It is a marketing tool and does not relate to your 'proper' no-claims bonus.


    As for the 3 years/4 years issue is it possibly because 4 complete years have not yet elapsed since the Date of Loss.....it is still 3 weeks away from the 4th Sept.


  • #3
    loveisdivine
    Registered Users, Registered Users 2 Posts: 2,463 ✭✭✭loveisdivine


    mgbgt1978 wrote: »
    The 'Step-Back' is purely related to your Insurer at the time of the accident. It is a marketing tool and does not relate to your 'proper' no-claims bonus.


    As for the 3 years/4 years issue is it possibly because 4 complete years have not yet elapsed since the Date of Loss.....it is still 3 weeks away from the 4th Sept.

    Thanks. I decided to just call them yesterday and they guy on the phone was adamant that I could tell other insurers I have 6 years no claims discount.


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