Insurance and NCB help please

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Wed 23 Jun 2004 18:13
Insurance and NCB help please - milhouse
Hi,
I'm new to this site but need some help. I've just insured my car with another insurance conmpany with 1 years no claims. However, the documents have come through and I've realised that my old insurance expired at 12:00pm but the new insurance started at midnight on the same day which means technically, for the first half of that day, I've not had 1 years no claims if you see what I mean. Is that a problem or does it work simply from the same day regardless of time.

Thank you

Milhouse
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Wed 23 Jun 2004 18:22
Insurance and NCB help please - Peter D
Good point, but did you drive the car when you were uninsured ??. As long as the insurance company has honoured youe 1 year then there is not a problem. Regards Peter
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Wed 23 Jun 2004 18:27
Insurance and NCB help please - milhouse
No no. I was insured from midnight on the new policy but the old one expired at midday so if anything I;ve been insured twice. The problem is that technically, I only had 1 years no claims from midday on the old policy even though the new one started at 12 hours earlier.

Confusing I know but considering it's the same date I'm hoping it doesn't matter. What do you mean by honouring the ncb? No-one has asked for any proof so I could have lied to them. (I haven't but they don't know that)

Thanks very much for your reply

Milhouse
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Wed 23 Jun 2004 18:33
Insurance and NCB help please - Mark (RLBS)
Are you sure that you are correct ? Whilst a covernote can start/finish at a time doing the day, it is unusal for a certificate or policy to do so.

However, even if you are correct the chances of them picking up on it are minimal.

Even if they pick up on it I would be absolutely stunned if they cared from an NCB perspective.

Even the pickiest underwriter on this planet would only be likely to worry if he saw a claim that fell within that 12 hour period.
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Wed 23 Jun 2004 18:39
Insurance and NCB help please - milhouse
The new certificate states the start time as 00.01 and the old one states the expiration time as 12:01 on the same day. Those are both on the certificate of insurnace but like you said - they would be very picky if they picked up on it; besides - I never even drove the car during those 12 hours!!

Many thanks for your help

Milhouse
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Wed 23 Jun 2004 19:10
Insurance and NCB help please - teabelly
Are you sure that one isn't using a 12 hour clock so the 12.01 expiry could be one minute past midnight?
teabelly
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Wed 23 Jun 2004 19:57
Insurance and NCB help please - milhouse
Positive (it says noon) but I have been told by a friend of a friend who is a police officer that it should only matter on the date. Who knows?

Milhouse
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Thu 24 Jun 2004 11:23
Insurance and NCB help please - Mapmaker
My Direct Line policies always start from a strange time (usually when I've rung them having just paid out loadsamoney for a new motor). It therefore runs out at (say) 11.37 next year, from when they start the new policy.
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