How to lose your NCB (a cautionary tale).

[shawbags]

I joined AIB 2 years ago, "no need for proof of NCB, we don't use it", they said. This year I'm doing a new van and AIB came nowhere near other insurers on price, so I changed. New insurer wants proof of NCB, so I rang AIB, we can give you 2 years proof, "but what about the rest", I asked, "I haven't had a claim for over 15 years" I said. "Ring your previous insurer, we can't help you". Now this is where it gets annoying, though the guy did try to help. I rang Insurance Choice, only to find out that they have merged/been taken over by Insurance Factory and they have no details of me on their system.
Even though insurers can check that my previous van was insured and no claims have been made, because I haven't got a piece of paper stating full NCB, I'm :shag: my new insurers want another £200 plus.:mad2:

So when you change insurers, get proof of NCB, even if you don't need it.:drive:

Yet again rip off Britain , I always had a no claims letter if I changed to keep on file , the fact that they can check is annoying , can't the lad from AIB check for you and send you proof ?

 

[jacquigem]

True but i dont understand why they wont use email ?

 

[shawbags]

Whilst I can’t say that a manager will fail to sort out the issue I can advise that it was not easy to sort out my NCB loss issue.

I sent, by email:
“Thank you for providing my motorhome insurance for the past 2 years.
This year, however, I have managed to source a very low ‘marketing’ price elsewhere which I could not refuse.
I would therefore like to confirm I do not need cover from AIB for this coming 12 month period.

When I joined AIB I had 23 years NCB; it is therefore now at 25 years.
As my renewal quote does not make use of the NCB, could you please provide a NCB certificate for at least the usual maximum of 9+ years for me to pass on to my new insurer?”

AIB replied:
“Many thanks for your email recently received, however, unfortunately due to data protection we are unable to deal with this request over email.

Please therefore call the office on 02380 268351 at your earliest convenience.”

I explained the situation by ‘phone & I was then provided with a letter stating I had 2 years NCB; the length of time I was with AIB. (Proof available but due to containing personal details not provided here).

Therefore, one email, one ‘phone call, but no full NCB.

I expect to be returning to AIB next year so I didn’t pursue the issue; nor did I take it personally.
I expect some others in this situation will not be so pragmatic, therefore I politely advise you to update your staff about this issue rather than expecting customers to push harder to obtain what you state is “almost always very easy to sort”.

Well said , a lot of the time it is down to a member of staff who just couldn't be bothered to go the extra mile , as you said update their staff and there will be no more problems , you shouldn't have to push so why is it most of the time we do , my water rates company send me a check saying I'd pain too much I was shocked but happy , I've never had anyone tell me they owed me money but I wonder how often company's do but never tell you , insurance these days is a rip off , why is it now that if we are involved in an accident that is not our fault we lose our own NCB ! It never used to be that way .

 

[Deleted member 9849]

Hi folks

Whilst I can't answer every question on here, the short answer is most motorhome insurers do not use No Claims Bonus, and only a small handful do. From our panel of insurers we use again, most don't use No Claims Bonus but a couple of our insurers do. So, it is possible two clients, both insured via AIB could have two different policies (with different insurers) where one is using No Claims Bonus and the other isn't.

That said, if anyone is having a problem over No Claims Bonus and has previous or is insured via us, just call us as it's almost always very easy to sort. If your not happy with the first response ring and ask to speak to our manager.

We are very grateful for the support and business the Wild Camping members have provided us over many years.

Thanks for coming on to try and explain the brokers position on this.It's apparent to me that clients want a more transparent service from insurance brokers,by that I mean a more user friendly way of providing proof of NCD when changing insurer.At the moment insurer brokers are reluctant to do this for obvious reasons,they don't want to lose their customers so make it awkward to change.It's not only AIB,most of them make it difficult.

I recently changed from AIB to caravanguard and have 11 years of claim free motorhoming with various insurance companies but had to jump through hoops to get the evidence,if it hadn't have been for such a helpful supervisor at caravanguard it would have been very difficult to prove it

There is an insurance claim database so why can't this be accessed to see if any potential client has had an accident,this would prove their NCD.

It would also be so simple to state the earned NCD on the insurance renewal reminder letter.

 

[yorkieowl]

There is an insurance claim database so why can't this be accessed to see if any potential client has had an accident,this would prove their NCD.

Why would an insurance company want to do that? They couldn't rip you off with higher quotes if they did.