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NCDs??
Oct 28, 2019 9:58:35 GMT
Post by Paulus17 on Oct 28, 2019 9:58:35 GMT
Mrs P insured the Rav over the weekend with a different company as the previous one as usual had put the new policy up by a quite a bit, but after renewing with the new company and paying, at the end it said "one final step to complete the policy" which was to prove the amount of NCDs she had which we had put at nine years.
So she phoned the existing company and they said she had only got twelve months NCDs because she has only been with them for that period of time and that the previous NCDs that she had got are not carried over and to get the full NCDs you have to be with that company all those years??
But when we took this insurance out they were happy to accept the full NCDs as we have been changing companies every twelve months.
So is this correct now, you only build your NCDs up by staying loyal to one company year after year who's prices just go up by large amounts each year??
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NCDs??
Oct 28, 2019 10:10:19 GMT
Post by philip42h on Oct 28, 2019 10:10:19 GMT
I don't think that is correct. What NCD was applied by last year's insurance company on their renewal quote?
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NCDs??
Oct 28, 2019 10:19:37 GMT
Post by firemac on Oct 28, 2019 10:19:37 GMT
Complete borrocks! NCD is cumulative and your previous insurer should have noted your total NCD entitlements in your initial paperwork each year and in the renewal docs. Get straight back onto them and demand the info and then go to the insurance ombudsman and complain if they don't play ball. Complete tossers!  |
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NCDs??
Oct 28, 2019 11:20:44 GMT
via mobile
Post by 152bobby on Oct 28, 2019 11:20:44 GMT
Totally complete crap, report them to the Association of British Insurers.
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NCDs??
Oct 28, 2019 12:32:18 GMT
Post by Paulus17 on Oct 28, 2019 12:32:18 GMT
I have looked on this policies docs, it's all on line, but can't see any mention of the NCDs, but have found the letter they asked us to get from the previous insurance who was Toyota showing that Mrs P has ten years NCDs but can't use that on the new ins as it was on the Blue Rav with a different Reg :no: So this proves that this ins company has the full NCDs so why say she only has twelve months  Can't do nowt now till Mrs P gets home from work later. |
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NCDs??
Oct 28, 2019 14:58:22 GMT
Post by unclebob on Oct 28, 2019 14:58:22 GMT
If I’m correct NCD is valid for 2 years so give your new company the Toyota renewal paperwork .
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Post by davidwilson on Oct 28, 2019 15:09:31 GMT
Like others have said the NCD is transferable from one insurer to another. I think it is all on a database too.
The NCD is for the person and the car is immaterial so Toyota's insurance shows you entitlement and they and your last insurer can confirm no claims have been made.
Good luck - although in truth there is no need for luck!
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NCDs??
Oct 28, 2019 16:25:51 GMT
Post by bigkev on Oct 28, 2019 16:25:51 GMT
You have picked the wrong BROKER, Paul.......cancel it under Cooling Off Period.......I say every far king year........the insurance industry has been responsible for ZERO LOYALTY in all matters financial....... they are a shot of lite, and you have picked a baddy........that NCD info should have been disclosed and asked for prior to any monies changing hands.......
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NCDs??
Oct 28, 2019 19:42:13 GMT
Post by Paulus17 on Oct 28, 2019 19:42:13 GMT
You have picked the wrong BROKER, Paul.......cancel it under Cooling Off Period.......I say every far king year........the insurance industry has been responsible for ZERO LOYALTY in all matters financial....... they are a shot of lite, and you have picked a baddy........that NCD info should have been disclosed and asked for prior to any monies changing hands....... Yes Kev I agree we hate changing over the car ins each year and do think it was a bit of a sly trick at the end, but Mrs P says to keep with it now it's paid, however she did phone her existing ins up this evening and spoke to someone more useful but he said that there is only twelve months PCD on the policy as that is what was put on the policy when she took it out and that they have no record of the letter we sent to them from Toyota ins, so I have now got permission to talk to them tomorrow and have to send a copy of that letter to them again, but there is no way we would have only put twelve months PCDs down when we know she has ten!!! |
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Post by Paulus17 on Oct 29, 2019 10:53:19 GMT
Well I phoned the existing ins company up and we have now got eleven years NCD with an email to prove from them.
I had my moan at them but the letter from Toyota seemed to do the trick :yes:
Thanks once again for your help and advice :TU:
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Post by bigkev on Oct 29, 2019 11:02:31 GMT
Charlatans the lot of them Paul.......”Geez yer cash and GIRUY” should be their motto......!
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NCDs??
Oct 30, 2019 17:31:58 GMT
Post by phaeton on Oct 30, 2019 17:31:58 GMT
It's all just an scam, the frigging lot of them
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