Really got 2 years no claims, not 1!!! - HotUKDeals
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Really got 2 years no claims, not 1!!!

stevey_p7 Avatar
8y, 7m agoPosted 8 years, 7 months ago
Heres the thing, just renewed my car insurance with a company called NIG who were alot cheaper than what Liverpool Victoria had quoted for a renewal.

Have processed everything with NIG now and told them i have 1 years no claims. Gets a 'no claims confirmation' letter through today from LV who say i have 2 years and phoned them up to make sure this is right and IT IS.

So got to phone up NIG and tell them i have 2 years and not 1. Is it worth it and will this mean i have to re-do all the insurance cover over again???
stevey_p7 Avatar
8y, 7m agoPosted 8 years, 7 months ago
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banned#1
you done somthing with livvvverrr poool in the name

dont touch anything with l------l in the name
#2
you get a discount depending on how many years no claims you have so your insurance should be cheaper with 2 years NCD than with 1, the insurance company you have gone with may ask you to send proof from your old company, it's definitely worth calling them because it should be cheaper
#3
If they do give you some money off they may charge you a fee for new "paperwork" - usually around £15 I think.
#4
Needs sorting because next year you will obviously have 2 instead of three which will cost you more again.
#5
How do you have 2 not 1?
#6
Strange I have exaclty the same story but with different insurer. That is mistake (present) done by insurer.
I used it in my new quote and got it much cheaper. So call NIC say you have 2 years and they will drop you premium.
#7
Except you don't actually have two years no claims discount and in the event of a large claim, it could be looked into. Letter or no letter from your previous insurer...
#8
I would not try to pull a fast one with an insurer. As stated above any future claim will probably be dropped if you lie about something like this. They will try anything to not have to pay out. Its more than likely just a mistake from your previous insurer.
#9
I'd definitely agree there, if you only have one year's no claims then that's all you should give to the next insurer even if your previous insurer is claiming otherwise. You have to make sure everything is accurate with insurance otherwise you risk having problems in the event you need to make a claim.

John
1 Like #10
Some insurance companies give you no claim discount accelerator policies which can earn you more than just one years NCD in one insurance year. If you call your old company and ask them to check the NCD and send you proof then you can send this proof to your new company. Insurance companies love trying to find a way to get out of a claim and if they subsequently find you had 2 years NCD on your old policy they can say you gave them false information and refuse to pay out. For the sake of a few phone calls it has to be worth it to make sure everything is tickety boo.
#11
yeah i phoned them and they have confirmed i do have 2 years no claims after being with them just one year.

They say they have done this because as i have made no claims in my first year i get an extra one on top. So it is 2 years ncd i have :) going to have to phone my new insurers pronto and sort it out.

Thanks for the replies and putting me straight.
#12
stevey_p7
yeah i phoned them and they have confirmed i do have 2 years no claims after being with them just one year.

They say they have done this because as i have made no claims in my first year i get an extra one on top. So it is 2 years ncd i have :) going to have to phone my new insurers pronto and sort it out.

Thanks for the replies and putting me straight.


You do not have a genuine 2 years NCB to take elsewhere, sorry.

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