Got my Daily Driver insured with Direct line.

I have never has a fault claim in 13 years of driving so therefore I should have 13 years No Claims Bonus.

 

Problem is previous insurers can only send proof of no claims bonus to other insurance companies (so I am told). II have been insured with the US Military for the last two years who did not require proof of no claims bonus.

 

Now Bell direct has asked me of proof of my no claims bonus but they say they will only except the document form the last insurance company I was with.

Which means I have just lost 11 years no claims bonus !!!!!.

 

Is there any way of getting this back ?

There must be a company somewhere where you can pay a set amount for them to check up on your details and provide a statement to your current insurance company stating any claims you had, any accidents, cars you had and insured with etc ?. Is there such a company ?

Insurance companies can send proof of no claims out to regular people - I have one here in my desk.

 

Also, I think no-claims lasts three years even if you're uninsured, so if you can get the doccumentation from whoever covered you before the US Military it should be still valid.

ive always just givin the phone number of my last insurance to my new one and never had a problem sorting it out, but they should send out a certificate cant see why that should be a problem

My insurance company actually phoned of the previous insureres and got the details from them

Also, I think no-claims lasts three years even if you're uninsured.

 

I'm not sure about that- I always thought that the second you stop being insured then you lose all NCB.

 

Back to the story though- if you've explained your situation to your new insurer, I'd have thought it's unreasonable for them to *only* accept a single certificate from your current insurer. But you may have to speak to someone higher up before they'll be a little flexible.

I'm not sure about that- I always thought that the second you stop being insured then you lose all NCB.

It's 2 years, I think. My wife had her car insured on a classic policy for 2 years and had to either move it back to a policy that used the NCB, or use the NCB on a second car or she would have lost all her NCB.

I'm not sure about that- I always thought that the second you stop being insured then you lose all NCB.

 

It's definitley three years on a motorbike. I've spoken to the spokespeople of various big insurers when doing an article on this. It might be diferent for cars I guess though.

I was told 4 years :confused:

Problem is previous insurers can only send proof of no claims bonus to other insurance companies (so I am told). II have been insured with the US Military for the last two years who did not require proof of no claims bonus.

 

The limit before it evaporates is two years, for sure... but I don't think it applies in this case.

 

It's not two years since you drove a car succesfully, so to speak, after all? You drove for two years insured with no fault with the military - that should be acceptable as long as you can prove it.

 

You could try attacking this the other way around and phone the DOD and ask their advice... seems a bit like the company car situation to me!

 

At DirectLine (and the 50 other brands that actually end up in the same call centre) you won't get any sense out of anyone unless you can tell them exactly what they need to do...

Emailed the missus (motor insurance type person)...

 

DirectLine should accept a letter from the military explaining the situation... or at least the insurer she works for would do!

NCB can lie "dormant" for 2 years without any loss. If not used again within the 2 year period it is lost completely. Previous insurer before Military should be able to issue a letter to yourself or to Direct Line stating NCB years before moving to Military.

Emailed the missus (motor insurance type person)...

 

DirectLine should accept a letter from the military explaining the situation... or at least the insurer she works for would do!

 

 

Yep they will accept the later from the US insurer but that will only allow me 2 years. How do I get the rest back :s :(

Get them to contact your previous insurers. I would have thought that you'd end up with 11 years NCB

 

Or you could try insuring with someone else who doesn't make life so difficult for you! :mac1:

Hello Stu..

 

Zevans is spot on, if u let insurance lapse for 2 years (some allow more) you generally have to start all over again.

Although u have 13 years most insurers allow 60 % (6 years +) some vary this. Ever filled out an insurance form where they ask how lomg u been driving but only allow you to tick an 'X+' years' box????

To reclaim the last 2 they will accept a letter from the MOD saying you drove for them and were a good boy.

As for the previous years you may have to prove no claims...got any of your old renewal notices, if so, send them in.

Insurance companies talk to each other and therefore must know, guess that they have you over if you fail to keep a proper record.

Good luck mate.