I accepted a quote for car insurance in January 2018, after completing Lancaster Insurance’s online questionnaire, which included a question about the number of no claims bonus years that I had. However, their pop-out scale went up to 15+ years, rather than the usual 10. As I have 27 years no-claims, I made the 15+ declaration. I sent them a copy of Legal & General’s renewal notice, which contained proof of nine years of no claims bonus. The problem now is that Lancaster say that the proof should be for 16 years (not 15 or 9). In its absence, the insurance premium for the year will be calculated on the basis of 9 years, which produces an additional premium and administration fee that increase my premium by 33 per cent. They also insist that if they do not receive proof of the earlier seven years’ no claims bonus within seven days – that is 19 February 2018 – the additional payments will become due. That means I have to find the insurer of January 2009, if they still exist, get them to go through their archives and supply me with the information by 19 February 2018. Are Lancaster being reasonable, or behaving within the law, in asking for proof of 16 years, when the norm is nine years?