Motor - proof of NCB

tobdom · 04-10-2019 11:17am #1

We're changing insurers for my wife's motor policy due to price difference/competition, having been with Aviva for a few years.

Her current/renewal NCB cert from Aviva is 5+ years, as per their scale. Then she also has an Allianz cert from 2016 that shows 5 years NCB - which would take it back to 2011... so 8 years NCB provable by these certs.

I assume that's the way the new insurer will see it, so she's OK to get quotes saying 8 years NCB?

Thanks for input!

whomitconcerns · 04-10-2019 11:19am

She cant have two active ncbs. The one from her current insurer is the only one she can use. So if I understand correctly it's a 5+ year NCB. That's what she should get quotes on.

On a different point. A 2016 NCB would have expired at this stage anyway. 2 years is the time they stay alive for if not used.

tobdom · 04-10-2019 11:21am

Thanks for the reply, but how would that be fair on consumers when different insurers use different scales?
Aviva go to 5+ as the top of their scale, no matter how many years NCB you prove to them when taking a policy. AIG's scale seems to go to 10 years.
She has proveable 8 years NCB.....

HailSatan · 04-10-2019 11:23am

whomitconcerns wrote: »

She cant have two active ncbs. The one from her current insurer is the only one she can use. So if I understand correctly it's a 5+ year NCB. That's what she should get quotes on.

On a different point. A 2016 NCB would have expired at this stage anyway. 2 years is the time they stay alive for if not used.

Whooooooooooooooooooosh

HailSatan · 04-10-2019 11:24am

Yep OP, that's how I worked it out with insurers in the past.

whomitconcerns · 04-10-2019 11:37am

tobdom wrote: »

Thanks for the reply, but how would that be fair on consumers when different insurers use different scales?
Aviva go to 5+ as the top of their scale, no matter how many years NCB you prove to them when taking a policy. AIG's scale seems to go to 10 years.
She has proveable 8 years NCB.....

Yeh I know it's a pita. When I moved to UK where they have accept 8/9 years as a matter of course, my "5 year" NCB was a pain, as in reality i had 10 years. But that's the way it was looked at. Would have saved me another few hundred

grogi · 04-10-2019 11:38am

tobdom wrote: »

We're changing insurers for my wife's motor policy due to price difference/competition, having been with Aviva for a few years.

Her current/renewal NCB cert from Aviva is 5+ years, as per their scale. Then she also has an Allianz cert from 2016 that shows 5 years NCB - which would take it back to 2011... so 8 years NCB provable by these certs.

I assume that's the way the new insurer will see it, so she's OK to get quotes saying 8 years NCB?

Thanks for input!

Basically yes. Once you can proof the history, you can build it up the years...

whomitconcerns · 04-10-2019 11:41am

grogi wrote: »

Basically yes. Once you can proof the history, you can build it up the years...

But what would be the benefit if Irish insurance companies only discount to 5+ years? Wouldn't matter if you had 20 years NCB. Same discount either way

grogi · 04-10-2019 11:44am

whomitconcerns wrote: »

But what would be the benefit if Irish insurance companies only discount to 5+ years? Wouldn't matter if you had 20 years NCB. Same discount either way

I got further discount for the 6th year... No rule there...

tobdom · 04-10-2019 11:46am

whomitconcerns wrote: »

But what would be the benefit if Irish insurance companies only discount to 5+ years? Wouldn't matter if you had 20 years NCB. Same discount either way

Some use scale that goes only to "5+" (like Aviva), others like AIG use a scale that goes further (looks like 10 could be the max).

For example, I was initially getting quotes (for wife) based on 7 years NCB as I thought that's what we could prove with previous NCB certs, even though the Aviva cert only showed 5+ years. Then I found out we could prove 8 years with the addition of an Allianz cert (from 2016, showing 5 years).

The difference in quote with AIG using 7 years NCB vs 8 years was about €60.

whomitconcerns · 04-10-2019 12:43pm

Wow.. AIG goes up to 10 years... When I left Ireland 3 years ago no one was offering more than 5/6.

Good to know!

Eggs For Dinner · 04-10-2019 1:15pm

Most Insurers only offer a NCB discount scale that reflects 5 years. However, if you provide proof beyond that, it becomes an underwriting factor which puts you in to a preferential category. Provide as much consecutive NCB as you can

Motor - proof of NCB

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