Swinton, clever gits

[kramdra]

They are trying to get out of no claims bonuses. That is they try to get you by phone, so they dont need to send you a renual notice, which is the only thing that shows your NCB.


So next year if you change insurer, no proof of it!

[ToGGoT]

to be honest, i was under the impression that this was fairly common for a lot of brokers.

I was using Equity Red Star iirc, through a broker, and i got the email "We will auto-renew unless you tell us not to" - so i called them, and said i didnt want to - will you mail me the proof of no claims - "Oh, its not up to us, its up to your insurers to do that, after your policy is actually finished.

3 Weeks later, nothing from equity, so i called the broker again, and requested my proof of no claims again, turned up in the post two days later - from the broker.

ToGGoT
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2005 BMW R1150R

[kramdra]

maybe with bikes? with car you usually get a renual notice a couple weeks before saying the price, all your other details, to make sure they are correct, and it says in big leters, ONE YEAR NCB...

if you dont do anything it autorenuews, and you have 14 days after that to cancel or you get the £50 fee*


*unless you say you cancelled by post, you must have it somewhere.

[Rogerborg]

Hang on, they need to send you a new certificate of insurance anyway - aren't they sending a summary of your details with that?

Actually, they don't need to, but a printed certificate - not an entry in the MID - is what's required by the RTA, so they'd darn well better be sending them.
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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

[Wafer_Thin_Ham]

[angryjonny]

I tend to find these days I don't even have to provide proof of no-claims. I just tell them who the previous insurer was and they sort it out between themselves.

[doggone]

[kramdra]

Yes there would be a new certificate if I bought the insurance, but I can imagine them missing it off, or even pretending I dont have it and after 14 days its too late...

either way, they theyed to double the price of the online quote, then offered me every price inbetween

[Wafer_Thin_Ham]

[yambabe]

You've missed the point.

They aren't trying to cancel or remove your NCB.

What they are trying to do is make it more time-consuming for you to change insurers, in the hope that you will stay with them rather than have to do some work yourself to change.
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Sod falling in love, I wanna fall in chocolate.

[Wafer_Thin_Ham]

[fatpies]

[fatpies]

[Wafer_Thin_Ham]

[Kickstart]

[JP7]

I find Swinton quite good, for an insurer. I insured with them last year, and come renewal the price was higher than I'd been quoted as a new customer getting a quote. So I bought the new policy online. They wrote to me asking for proof of NCB. When I told them I was already a policyholder with them, they transferred my NCB without any other questions.

And I got cashback.

[The Disapproving Brit]

[Kickstart]

Hi

Good find.

Reading that it would seem to exclude anything other than a printed and sent certificate. But it is also out of date (as any insurance must provide 3rd party cover throughout Europe), so bits might have changed and be on updated versions.

Fairly sure I have had printed certificates with blue decoration which also seems to go against item 1 (ie, blue border which I doubt would count as a monogram).

All the best

Keith
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