mistergrumpy
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| posted on 27/9/10 at 04:37 PM |
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NCB Advice
I'm after a bit of advice from someone in the insurance know.
Had a bump, rear end which has gone against me as these thing do. I took out my insurance via confused.com which turns out to be a broker called
AQuote who in turn is underwritten by Aviva (Norwich Union).
Now when I filled out the original application for a quote I ticked the 9+ years NCB as I have around 12 years. It turns out that Aviva class 5 years
as being the max. ncb and as a result they say that they are now going to knock my ncb down to 3 years. I spoke with the broker who state that it will
be them who clarify my NCB and they are going to bust me to 7 ncb. Both of which I'm not happy with.
I spoke with someone at Aviva today (and that was a feat I can tell you!) and he tried to tell me that anything over 5 years is irrelevant as 5 years
is 70% and is the max. Some other companies may use 9 years but it is pointless and went on to explain something about a percentage bonus every year
that is accident free.
Now to my mind if there's an annual discount to be had then this percentage will be greater if it is over 5 years than if it is spread over 9
years and not for the first time Aviva is talking out of its rear end. Putting some quotes through again on confused.com confirms that there's
about £100 difference between 3 and 7 years.
Can anyone confirm if nothing matters above 5 years and what this percentage thing is I'm not sure if I've misunderstood something, the
quotes seem to agree with me.
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dan8400
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| posted on 27/9/10 at 05:23 PM |
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I'm sorry i cant offer advice but am very interested in the outcome.
Seems that the insurance companies do alot of fobbing off etc etc
Dan
Hey - That's Journey!!!
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Humbug
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| posted on 27/9/10 at 05:29 PM |
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I recently had a similar conversation with insurers and was also told that 5 years is the maximum for NCB although they will note the number of years
that you have not had a claim.
To test it out on the comparison sites, you should compare 5 years and 7 years rather than 3 years and 7.
btw, if this is counted as a "fault" claim then surely you are lucky to get any NCB going forward since, in fact, you have made a claim
less than 1 year ago?... unless you have protected NCB?
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balidey
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| posted on 27/9/10 at 05:43 PM |
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I have well over the 5 years. I contested the figure once when my documents came back saying 5. I rang and explained but they said they max out at 5.
So what I have done is kept all my renewals and letters going back years proving my NCB.
So sorry, no firm advice, but we are all in the same boat.
Dutch bears have terrible skin due to their clogged paws
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mistergrumpy
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| posted on 27/9/10 at 05:44 PM |
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They both agree that I will lose 2 years no claims as oppose to all.
I think ncb is all worded wrongly and should be expressed as a percentage rather than "how many years". 12 years no crashes prior to this
has got to be considered and how can they say I lose 2 years no claims because in reality, why is last year being affected by this year?
Aviva are investigating the claim as the third party is claiming for a lot of damage that is physically higher than the whole front end of my car plus
the fact they stopped without reason on a roundabout and the biggest thing is that the next roundabout down was a major crash for cash site that had a
television programme made about it and I believe this roundabout if now becoming popular.
Makes no odds to me as I still lose but I don't want these chancers getting away with it. Aviva asked me to attend court but as it doesn't
change things for me and due to the absolutelt appaling way I feel I've been dealt with I've told them to stuff it!
ETA I did keep all my previous renewals until a week before the accident when I burnt them all with a load of other rubiish. Typical!
[Edited on 27/9/10 by mistergrumpy]
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hobbsy
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| posted on 27/9/10 at 07:19 PM |
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You always lose two years NCB in the event of a claim unless you've got it protected (but even then you still have to say you've had an
accident so you'll still get loaded).
Plus you lose the year that you're in.
So about 5 or so years ago when I was t-boned by a annoying large lady and it went 50/50 I lost pretty much 3 years no claims as i was only a few
weeks away from renewal.
Most annoying!
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mistergrumpy
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| posted on 9/10/10 at 04:50 PM |
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Got my insurance renewal yesterday. I had 12 years before the accident. They're now only offering me 3 years NCB and it has come in at £1027 for
a 1.4 Astra. Crazy!
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