Robbing Swintons

[Diddylord]

A bit of heads up / is there anything I can do thread.

I recently took out a multi-bike policy through Swintons, I have three years NCD, 2 from the last insurer and one from the insurer before.

The reason that I did not use the first no claims when re-insuring 2 years ago was that the insurer would not accept NCD from when I was riding on a CBT.

After receiving a letter from Swintons asking for proof of no claims I emailed them two documents, both dated, one proof on 1 years no claims with my first insurer and one proof of 2 years with my second.

They have now said that they cannot accept NCB from two companies and charged me another £60 inc £25 admin fee for the privilege.

Is this right that they can ignore that evidence of NCD in front of them ?

[G]

This is standard practice throughout the insurance industry and I wouldn't expect any company to do that.

You have one lot of two years no claims and one lot of one year; you don't have three year's no claims bonus I'm afraid.

[james1988]

[G]

Yep and not at all the number of years you haven't claimed.

It is the tracable concurrent number of years on one stream of insurance.

You can have multiple streams and this is often useful - if you have two different vehicles insured with seperate no claims bonus it means that if you do have a claim, you still have some no claims you can 'use'. Say you have 5 years no claims on a CG and another 5 on a S1000RR and have an accident on the latter - the next year (presuming the insurer is ok with it as some don't like small cc no claims for a big bike) you can then use the CG no claims 'stream' for the sports bike and start afresh on the cheaper-to-insure CG.

[Diddylord]

Ok so that makes sense as to how you can end up with two streams however I did not I simply could not use the 1st year, thus I have still been ridding for 3 years without claim and still have 3 years No claims on one stream on insurance as up until now I have only ever insured one bike at a time ?

[G]

Doesn't matter... because you used an insurer that insisted you start again, you created a seperate stream.. they don't have to run concurrently.

You might be able to find an insurer that agrees that t combine them... but what is important is the number written on the proof of no claims I'd you want it to be accepted anywhere. If the biggest number you have is '2', that is what you have.

[Rogerborg]

Sorry, I don't think that you're going to win this one.

No Claims is a scheme/scam that's entirely at the whim of individual insurers.

AFAIK there's no central records or universally agreed terms. It means exactly what your current insurer says that it means, and it's usually "we'll recognise exactly the number of years that your last policy said, and no more".

Since Whitehall has such a rager on for regulation I'm sure it will get formalised eventually, but at the moment it's down to the contract that you "agreed" with your current insurer.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Diddylord]

ok thanks for the advice guys, looks like its a case of lesson learn and I now know who to get insurance from and who not to.

[charlie74]

wait till you get to having 15 yrs no claims and then suddenly it drops to 9...

simply because the insurers system only goes to 9

thankfully i was able to go back to my old insurer to get a statement proving 15 yrs... but now i have to be carefull

[Lord Percy]

So if I change insurance companies every year, I'll only ever be able to have 1 year NCB?

I'm confused. Do I need to stay with the same insurer to rack up easily provable NCB?

[charlie74]

[Bezzer]

[Hetzer]

[P.addy]

I have 2 streams of NCB going, purely cos if one stuffs up though an accident, I have another set

[Rogerborg]