Have you be mislead by your motor insurance company?

I have been driving for twenty years in need making any claim. After three years insured with the RAC I moved to YES (who were much cheaper) one and only to find my No Claims Discount has been reduced to five years. When I query this, RAC said that FIVE YEARS is all THEY require to grant full NCD and five years is adjectives they will confirm to the next insurers. So now I hold to build up my NCD again - be warned!!

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5 years is generally the maximum levcel of No Claims Bonus (NCB) accepted anyway. However, you can use the expiring renewal interest along with a copy of the previous one to prove entitlement beyond the 5 years RAC will provide proof of.

When buying a unknown vehicle how long...



Answers:    As an insurance broker dealing with lots of companies this cause us a lot of problems. Many insurance companies will only provide proof of their maximum level - as you say with RAC this is 5, near Royal & Sun Alliance it is 4.

As holding broker we can persuade insurers to confirm correct details when we transfer policies at renewal and we own records so we can prove previous entitlement (all of which is unavailable to the broad customer).

Ideally insurers should display the actual number of years irrespective of the no claims bonus scale that they use - regrettably this is not the case.

(The extreme scale we have is Fortis who bequeath discounts up to 9 years).
5 years is generally the maximum levcel of No Claims Bonus (NCB) accepted anyway. However, you can use the expiring renewal interest along with a copy of the previous one to prove entitlement beyond the 5 years RAC will provide proof of.

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