OldSwitcheroo
Well-known Member
Bit of a long story this, but I'll stick to the facts...
Joined insurance company A last year with 9 years no-claims discount.
Crashed said car a couple of months ago.
My fault.
Claim goes through.
My car a write off.
After two-ing and fro-ing settlement is agreed, policy is ended.
I take a new policy with a new insurer.
They require confirmation of no claims bonus.
I obtain information from insurer = 4 years NCB.
This is lower than I was lead to believe or was told by insurance company during the settlement period (should be 2/3 years taken off max they said).
I ring up to question this, am told that the underwriter only deal with 6 years total NCB in the event of an accident, even though they took the policy based on my 9 years NCB.
Insurer confirm that 2 years was taken off for the accident, after the 3 years deduction, hence the 4 years left as NCB.
Am told that the underwriter changed their T&C's halfway through the policy and updated all documentation from that point.
They neglected to tell me, as an affected policyholder though.
It is not in the policy smallprint they sent me when I took the insurance out.
If I had known this knockback was taken, I wouldn't have taken the policy.
Question
Have I got a case to take up with the insurer to get my 3 years NCB back?
Current insurance policy would have been cheaper with 7 years, rather than 4, that's for sure...
Joined insurance company A last year with 9 years no-claims discount.
Crashed said car a couple of months ago.
My fault.
Claim goes through.
My car a write off.
After two-ing and fro-ing settlement is agreed, policy is ended.
I take a new policy with a new insurer.
They require confirmation of no claims bonus.
I obtain information from insurer = 4 years NCB.
This is lower than I was lead to believe or was told by insurance company during the settlement period (should be 2/3 years taken off max they said).
I ring up to question this, am told that the underwriter only deal with 6 years total NCB in the event of an accident, even though they took the policy based on my 9 years NCB.
Insurer confirm that 2 years was taken off for the accident, after the 3 years deduction, hence the 4 years left as NCB.
Am told that the underwriter changed their T&C's halfway through the policy and updated all documentation from that point.
They neglected to tell me, as an affected policyholder though.
It is not in the policy smallprint they sent me when I took the insurance out.
If I had known this knockback was taken, I wouldn't have taken the policy.
Question
Have I got a case to take up with the insurer to get my 3 years NCB back?
Current insurance policy would have been cheaper with 7 years, rather than 4, that's for sure...