NCD error a false declaration?

[Pete.]

Let's say a person had a minor claim that was paid out as fault and the person should have lost 2 yrs NCD, but on renewal they find that they have been awarded an extra year's NCD instead of losing 2 yrs. Would that constitute any kind of false declaration, given that the renewal letter says check all details and notify us of any errors?
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[piazza]

There's enough moaning about insurance on here without playing russian roulette with the rules. If the potential savings were...lets say £500

[M.C]

[Kawasaki Jimbo]

Check your personal details, fair enough, but they define and manage the NCD system, not you. Who knows how it works, eh? I'd keep quiet.

[Fin]

Perhaps this person had their no claims discount protected and simply thought it all looked as it should.


The whole ncd protection is still complete bullshit if you ask me, shouldn't be allowed but then again all of insurance is bullshit

[Rogerborg]

Is arry doing jail time for, well, whatever insurers do?

NCD is entirely at the whim of the cartel. The cartel giveth, and the cartel taketh away.

If they'd giveth me +1 rather than taketh away -2, I wouldn't presume to question their infallibility.
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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

[almostthere]

Are you asking for a friend who is this person?
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Beer, It's the reason I get up every afternoon
www.mfairco.uk

[Polarbear]

[M.C]

[stinkwheel]

When I had a classic policy and went back to a normal one, they asked about my NCB. I said they don't do NCB on my old policy BUT they will happily do me a letter saying I've been insured with them for 5 years and have never had a claim.

Apparently, this isn't the same as an NCB and "It doesn't work like that". Apparently it's not an indication of your relative risk based on how long you've been insured without a claim and more of a loyalty/incentive scheme. So if I've been insured for five years but they company I'm with don't do NCB, then my NCB is zero. (It was Carole Nash who told me this).

So, your NCB is what the current shysters are offering you. If you have documentary proof of what they have decided it should be, that's what it is.

If they claim otherwise, a) You have documentary proof and b) Tell them from me "It doesn't work like that".

Answer the question posed though "How much NCB do you have?" The answer is what is says on your renewal. "Have you had any claims in the last 5 years?" You should probably tell them. But still say you have whatever NCB is on your renewal.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Pete.]

[P.]

My 1st year of driving I got given 2 years NCB.

Never ever got queried used them.

[Rogerborg]

Since nobody outside the cartel knows the subtle and esoteric rules that they use to giveth and taketh, how can we check that detail?

I'd chalk that up to a win. Any questions, refer them to themselves.
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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

[Powderhead]

[DrDonnyBrago]

In a similar vein, say you used a single NCB on two policies... got away with it for a year unscathed then had two separate renewals, each saying X years NCB.

Win?

[Rogerborg]

[M.C]

[Powderhead]

[Jewlio Rides Again LLB]

I know someone in the same situation as Paddy.
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Mpd72: I can categorically say i’m Brighter than that, no matter how I come across on here.
HAHAHA HAHAHA Blew Chilly MyCrowSystems

[colink98]

i was ringing around for insurance on a van a while back.
i called the then current insurer of our car for one of them "multi" car policy's.

when he gave me the quote i told him to do one.
So he said he had applied our current NCB to the car and that he would run the quote again but apply the NCB to van this time around.
The result was still not good.

after a bit of back and forth he says he will apply the NCB to both the car and van....

i was like Oi sunshine....... why didnt you do that in the first place, to which he said there not supposed too, the NCB only can only apply to one vehicle, But sometimes the system will "let you do it" and voila far cheaper quote was given.

total fucking con.
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PCX125 (stolen) - CBF600 (current)
Ride it like you stole it.
ride sensible and not like an idiot and you wont get 6 points in one week.

[bacon]

I had 4yrs ncb on my 7r at the time and bought a zx10r from a friend. Seeing as the 7r was under a cover at my dad's, i.e it wasn't going anywhere or being used, I used the same ncb for the 10r...

Anyway a year lapsed and I had 2 separate policies offering me 4 years ncb proof. Fast forward I have 2 policies, one with near 8 years, the other with 7... Did I give a fuq? No, am I glad I did it? Fook yeh.

Feel free to tell me I did wrong, I don't give a shit

[MCN]

Their Game.
Their Rules.

Ram it in tae them.

I would not question their logic or decision.
I am not a loss adjuster, claims manager or Insurance Underwriter.

I would base my decisions of the 'Evidence' the Insurer has provided.


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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[DJP]

[MCN]

[MattEMulsion]

If they were offering me a renewal price that was reasonable then I would just pay it and if an error comes to light - play dumb. After another year and assuming a problem never manifests itself I would then take another years NCD and potentially then happily move insurers.
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Yamaha YZF-R6