Got a renewal notice today from Heritage saying their underwriter has changed their stance on modified cars and my policy will increase. Decide to ring round to see if I can get a better quote.
Rang Houghton who insure my FD and asked them for a quote. Went through the nitty gritty and discussed my NCB. The guy at Heritage says I haven\'t actually been getting any on my FB policy for the past 3yrs :Grrr Ring Houghton and they say the previous document that states I have maximum no claims is now Null and Void because it is over 2yrs old. There is a £370 difference in quotes between NCB and no NCB ! They won\'t accept proof of no accidents either :3Confused
Reading my previous Certificate of insurance from Caucer (underwriter) they don\'t have any mention on the document that I don\'t get NCB. Guy from Heritage said that they would have mentioned it but I for the life of me can\'t remember a conversation from 3 yrs ago. The NCB box is blank on the certificate.
The problem now is after 8yrs of unblemished driving and fully comp insurance I have 0 NCB ? Is this remotely possible ?
Has anybody else had this headache. I have to sort it out or I\'m knackered next time I what a normal daily for no fault of my own !
Shaun
can only advise seeking advise from either Citizens advice
http://www.citizensadvice.org.uk/
or fsa
http://www.fsa.gov.uk/
i thought only some classic car policy offer NCB. (assuming you had classic car insurance)
I\'d understand if they didn\'t add any more to the NCB before this policy was taken out and honouring that NCB but that is turning not to be the case !
Going to have some heavy chats with the insurance tomorrow and find out what has happened. I\'ll probably ring the underwriter and ask them direct.
I told them I had full NCB, although they didn\'t ask for proof when I first took the policy out. Even If they honor what I had before I would have full no claims !
Just warning other people really because NCB is a big deal at the moment.
Shaun
PM sent Shaun.
i think its legal for nbc to be in use. if it hasnt been used or your not insured for 2 years it becomes null and void
use peter best mate. cost you 280 a year ish
Insurance Ombudsman can help if you don\'t get any joy from the insurers.
Technically they have access to the data regarding whether you\'ve made any claims or not in the last n years, so you shouldn\'t need to provide any of that information.
Sounds like a case of incompetence
Just spoke to More Than. I cancelled my policy 12th Jan 2007 with 4yrs NCB and swapped to Heritage. More Than wouldn\'t insure my mods (a stainless exhaust at the time).
Main Problem I\'ve had is Heritage says they said they didn\'t need any NCB applied to the policy so they never asked for proof. Trouble is they knew it was my main car and said they didn\'t need to inform me about the loss of my NCB record after 2 yrs. They are going to post me a letter listing when I took the policy on and have had no collisions since doing so.
Will ring new insurers up and see if that is enough info, In theory I should have 7yrs NCB !
Shaun
ncb is a pain, i went to 1st quote with eight years but when i left them at the next renewal the ncb said 4+ which is there maximum, thats what my new insurance company took - 4 years not the nine i have - had a hell of a game getting it changed. you definatly need a ticket stating ncb in full after every year even if you dont change, i always do because you seem to get better deals as a new customer, my fd cost me £168 fc. 38 years old, cat one, 9 years ncb. jon.
I do very well with the FD and I understand why I don\'t get NCB because its based on my daily.
The FB is classed as quite a heavily modified motor. Its got an aftermarket exhaust, it has a non standard engine (13b), its on LPG, its got 17in alloys and I do 11k miles a yr commuting during peak times. These make it harder to insure even though its no where near as quick as the FD !
The new quote I\'ve got is actually ok for the amount of mods but it is dependent on my NCB.
I think its getting sorted and I seem to be making headway. Just wouldn\'t want anybody else to have the same headache when most of these cars are on a classic policy.
Shaun
Right. I\'m sorted. The company I\'ve gone with will accept my NCB from more than because its less than 3yrs. I should get back on the NCB wagon with 4yrs NCB on a standard policy.
Just need to finalise the policy and I\'ll be happy !
Shaun
Oh cr*p, mines for renewal at Heritage in a couple of days, ive had to relist my mods to the broker, wondered why they wanted me to contact them urgently
Hopefully you won\'t have the same issue. Is the FD your primary car ?
Shaun
Its a sad day when people who actually follow insurance protocol to the fullest extent and are still penalised for it. Espcially when there are so many people driving these cars, fronting on policies under their parents names, driving under a TP extension on a day to day basis, etc...
Glad you got it sorted mate, I think it would be game over if i lost my NCB!
Quote from: shaunwil;657428Hopefully you won\'t have the same issue. Is the FD your primary car ?
Shaun
No i drive another during the week
Well i will not be recommending Heritage anymore, and i hope they see this thread
They have been very good for big modded cars. Couldn\'t fault them for 3yrs TBH but wish they had been more honest about my NCB not being tied to my car. An excuse of they didn\'t need it so they didn\'t say anything doesn\'t cut the mustard with me.
Shaun