StrikE

iTrader: (3)

Simple question, how long can i retain my NCB for when they are not allocated against a car, is it one or two years or more?

I have 9+ years so eager not to lose them folks!

Thanks

Del

frodobaggins

iTrader: (5)

2 years

Tony@Greenlight

Hi Strike,

As per Frodo, whilst it can vary between Insurers it's usually 2 years.

We have had some success where the NCB had expired longer than two years ago, through referral to underwriters. The cases that we had been successfully involved with were where our client had a company car in the interim period since selling their vehicle and we could prove they had been driving regularly since the expiry of their policy over 2 years ago.

Kind regards

Tony

StrikE

iTrader: (3)

Thanks Guys

I have insurance for another vehicle i currently drive with a different set of NCB so all good then as still got over a year to go.

veerinder9

iTrader: (1)

Thread hijack, if you take out a new policy and the new company asks for your ncb's and you can't prove it, what happens? Is there any way the company could electronically check it? If the old company isnt willing to give referencence dues to ncb's expiring

Tony@Greenlight

Hi veerinder9,

Whenever you take out a new policy that is rated by using NCB the new company will request evidence of the NCB you've earned to date.

Your old company should not withhold proof from you and most will issue proof of NCB beyond their own 2 year expiry period.

If you were covered via a Direct Insurer at the time you should call them again and in the event that they advise they are not willing to provide this, ask for their customer care (complaints) department - explain that you are relying upon the NCB you had with them for your new policy.

In the event you had been covered via a broker you would have two chances with this, as where the broker does not have your NCB upon record (due to age of expiry) the Underwriter behind the policy would have a record and can be approached for this.

Finally, some companies will carry out telephone requests for NCB detail and your new Insurer would potentially be able to call your last company for this detail.

With the age of your NCB in mind though, for high performance models most Insurers offering preferential rates/terms require current driving experience of a performance car. Which may be another hurdle that you'll have to overcome with a dated proof of NCB.

Hopefully you'll be able to get this sorted swiftly

Kind regards

Tony