car incurance ncd

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Wed 15 Feb 2012 10:13
car incurance ncd - blancmaison

Hi My partner was recently in a company car insurance scheme for a number of for the last 5 years has not had an accident , this year her company took away the company car insurance so we took it out ourself, i thought as she had not had an accident for the last 5 years this qualified as 5 years no claims , anyway about a week after being insure she had an accident with another car currently we are having problems getting proof that she was previously insured with her old company / previous insurer , they did pass a piece of paper we / her employer fill out then date stamp, the insurer now says this is not enough , and that they require official renewal notice form the previous insurer ? please can you advice / help asap ?


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Wed 15 Feb 2012 12:38
car incurance ncd - TeeCee

Shop around.

When I was in the same position some time ago, I had no trouble in finding an insurer who was prepared to take a written declaration from the company as credit for no-claims.

The one with the dog IIRC.

Edited by TeeCee on 15/02/2012 at 12:39

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Wed 15 Feb 2012 12:49
car incurance ncd - martint123

Shop around.

It sounds like it is too late for that as an accident has already occured.

You will have to read the insurance proposal that was filled in and see what the question was in detail where you answered 5 years.

i.e. was it how many claim free years have you ...or

How many years no claims discount have you.

Normally when moving from a compancy scheme to a private one you have zero No Claims Discount and then negotiate with the insurer how many years they may grant you with evidence of a company scheme. But this needs doing BEFORE having a policy in place.

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Wed 15 Feb 2012 13:13
car incurance ncd - skidpan

As suggested by Martint123 it may already be too late and if you claimed 5 years NCB when you did not have it you have committed a fraudulant act and if so you may well find yourself without cover now and struggling to find cover in the future.

You need to check what the question was on the original proposal and then consider your next move. Normally insurers are happy to consider a previous claim free record fro ex-company car drivers but they need to be told when you initially insure.

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