No Claim Bonus lost

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Mon 7 Jan 2019 14:03
No Claim Bonus lost - Milan Duchovny

Hi

I have been involved in very minor car incident where I slightly touched the bumper of the car before me. This was on traffic lights and no damage was done at all (not even a scratch). But the other driver registered this incident with his insurance company and there is a claim case created with my insurance company as a result. The other driver didn’t actually claim any damage and my insurer advised that if there is still no damage claimed after 6 months I can keep my No Claim Bonus intact (the incident happened 11 months ago).

Now, I received a renewal quote, which is much higher than expected and after calling them they advised that they reduced my NCB to 3 years (from 9) because of the claim. They said that I get to keep my NCB only if there is no damage claimed within 18 months (not 6 as advised previously). As a result I need pay more for the renewal, which seems very unfair to me considering there is no damage claim against me and I need to wait 18 months. Seems like money making scheme to me.

Can anyone advised if there is something I can do about this? I didn’t find anything helpful on my policy T&C.

Any help would be much appreciated.

Thank you

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Tue 8 Jan 2019 09:58
No Claim Bonus lost - MGspannerman

If they said six months previously then I would see if I could hold them to that. If you have that in writing then they would find that very difficult to argue against, but I guess more likely that it was part of a telephone conversation.

I once specifically checked that I could insure a visitor from the USA on my car, to which they replied yes on the phone. When I came to do so they said it was not possible, EU citizens only apparently. I made a formal complaint and they then reviewed the tape and found that I was correct. So it could well be worth making a formal complain using their complaints procedure and seeing if the record is available to show that you are correct.

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