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Pete. |
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Pete. Super Spammer
Joined: 22 Aug 2006 Karma :
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Posted: 20:38 - 21 Mar 2018 Post subject: NCD error a false declaration? |
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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? ____________________ a.k.a 'Geri'
132.9mph off and walked away. Gear is good, gear is good, gear is very very good |
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piazza |
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piazza Brolly Dolly
Joined: 23 Aug 2008 Karma :
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Posted: 22:00 - 21 Mar 2018 Post subject: |
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There's enough moaning about insurance on here without playing russian roulette with the rules. If the potential savings were...lets say £500 |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Kawasaki Jimbo |
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Kawasaki Jimbo World Chat Champion
Joined: 09 Oct 2015 Karma :
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Fin |
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Fin World Chat Champion
Joined: 27 Feb 2016 Karma :
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Posted: 22:46 - 21 Mar 2018 Post subject: |
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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 |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 23:30 - 21 Mar 2018 Post subject: |
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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. ____________________ 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 |
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almostthere |
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almostthere Traffic Copper
Joined: 28 Oct 2013 Karma :
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Posted: 23:34 - 21 Mar 2018 Post subject: |
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Are you asking for a friend who is this person? ____________________ Beer, It's the reason I get up every afternoon
www.mfairco.uk |
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Polarbear |
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Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
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Posted: 23:57 - 21 Mar 2018 Post subject: |
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Rogerborg wrote: | 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. |
Totally agree.
I've just insured my new boat. The company I have used in the past for my boats have given me, in writing, 18 years of no claims. That is not true as for 4 of those years I didn't have a boat.
When my new insurance company asked for NCD, I said I have in writing 18 years from Craftinsure. They said fine, send us a scan.
In the end though I cannot understand why they don't have all this on a common database. It would make life so much easier. ____________________ Triumph Trophy Launch Edition |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 00:59 - 22 Mar 2018 Post subject: |
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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. ____________________ “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. |
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Pete. |
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Pete. Super Spammer
Joined: 22 Aug 2006 Karma :
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Posted: 07:16 - 22 Mar 2018 Post subject: |
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P. |
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P. Red Rocket
Joined: 14 Feb 2008 Karma :
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Posted: 08:12 - 22 Mar 2018 Post subject: |
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My 1st year of driving I got given 2 years NCB.
Never ever got queried used them. |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 08:12 - 22 Mar 2018 Post subject: |
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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. ____________________ 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 |
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Powderhead |
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Powderhead Trackday Trickster
Joined: 06 Mar 2018 Karma :
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DrDonnyBrago |
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DrDonnyBrago World Chat Champion
Joined: 03 Jan 2010 Karma :
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 15:06 - 22 Mar 2018 Post subject: |
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Powderhead wrote: | I might consider ringing the insurer up asking a casual question... "just wanted to check how many years NCB I have, please?" If it matched, I'd consider the paperwork gospel and forget about it. |
What would you do if it didn't match?
Bear in mind that even if you could persuade them to screw you, they'd go in both ends, both for a higher premium and a policy change charge.
DrDonnyBrago wrote: | 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? |
<so-much-win.png> ____________________ 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 |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Powderhead |
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Powderhead Trackday Trickster
Joined: 06 Mar 2018 Karma :
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Jewlio Rides Again LLB |
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Jewlio Rides Again LLB World Chat Champion
Joined: 06 Oct 2015 Karma :
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Posted: 17:23 - 23 Mar 2018 Post subject: |
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I know someone in the same situation as Paddy. ____________________ Mpd72: I can categorically say i’m Brighter than that, no matter how I come across on here.
HAHAHA HAHAHA Blew Chilly MyCrowSystems |
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colink98 |
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colink98 Could Be A Chat Bot
Joined: 27 Jun 2016 Karma :
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bacon |
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bacon World Chat Champion
Joined: 09 Jan 2009 Karma :
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Posted: 02:58 - 25 Mar 2018 Post subject: |
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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 |
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MCN |
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MCN Super Spammer
Joined: 22 Jul 2015 Karma :
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Posted: 04:29 - 25 Mar 2018 Post subject: |
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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.
____________________ Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN. |
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DJP |
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DJP Crazy Courier
Joined: 11 Dec 2011 Karma :
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Posted: 11:55 - 26 Mar 2018 Post subject: |
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MCN wrote: | 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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That^^.
I had this a few years ago: Had a claim and my premiums went up. Come renewal, my new insurer reckoned that I should have been docked 2 years NCB. However my old insurer (who actually covered the claim) only docked me one year.
Upshot: The new insurers had to suck it up. Your NCB is what it says on your Proof of NCB and not what they think it should be. ____________________ Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https |
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MCN |
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MCN Super Spammer
Joined: 22 Jul 2015 Karma :
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Posted: 10:42 - 27 Mar 2018 Post subject: |
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DJP wrote: | MCN wrote: | 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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That^^.
I had this a few years ago: Had a claim and my premiums went up. Come renewal, my new insurer reckoned that I should have been docked 2 years NCB. However my old insurer (who actually covered the claim) only docked me one year.
Upshot: The new insurers had to suck it up. Your NCB is what it says on your Proof of NCB and not what they think it should be. |
Unless it's clearly wrong and they have underestimated it. ____________________ Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN. |
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MattEMulsion |
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MattEMulsion World Chat Champion
Joined: 29 Aug 2004 Karma :
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Old Thread Alert!
The last post was made 6 years, 27 days ago. Instead of replying here, would creating a new thread be more useful? |
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