Do insurance co always check for proof of NCB, and chase up the
request for the proof? 

What counts as proof? Renewal notice from your old insurance co (where
it states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or
two, should you ask your old company for NCB certificate (if there is
such a thing?), or would the old renewal letter do? I get the feeling
some of these insurance companies charge for sending out proof of
NCBs?

<Brian> wrote in message news:csvug1l3su83u2ajohn8v66tmn6q8f7nk5@4ax.com...

> Do insurance co always check for proof of NCB, and chase up the
> request for the proof?


 yes and yes and should you fail to provide they will invalidate your
insurance


> What counts as proof? Renewal notice from your old insurance co (where it

states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or two, should
you ask your old company for NCB certificate (if there is such a thing?), or
would the old renewal letter do? I get the feeling some of these insurance
companies charge for sending out proof of NCBs?

your current renewal letter should suffice if you don't have one your
previous insurers should provide one I have not been charged but that
probably applies to only reputable companies - its like the human body
somewhere there will be an ar*ehole
Derek

On Fri, 26 Aug 2005 21:54:20 +0100, Brian Parsons <Brian> wrote:


>Do insurance co always check for proof of NCB, and chase up the
>request for the proof? 


It depends on the insurance company.  You may not be asked for proof
until there's a claim.

If there is no claim, I assume the (unproven) NCB increments by one
year at the end of the year and your renewal notice will show such?
Which would be proof for another insurer if you switch.


>What counts as proof? Renewal notice from your old insurance co (where
>it states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or
>two, should you ask your old company for NCB certificate (if there is
>such a thing?), or would the old renewal letter do? I get the feeling
>some of these insurance companies charge for sending out proof of
>NCBs?


If you've been hibernating, your last insurance company will send you
a letter on request confriming the NCB status as of
termination/cancellation of your last policy.

> <Brian> wrote in message 
> news:csvug1l3su83u2ajohn8v66tmn6q8f7nk5@4ax.com...
>> Do insurance co always check for proof of NCB, and chase up the
>> request for the proof?
>
> yes and yes and should you fail to provide they will invalidate your
> insurance


No they don't, they just increase the premium accordingly.

-- 
Peter

"You're not a real UKRCMer until you've had your big end bearings go."

In article ,  says...

> Do insurance co always check for proof of NCB, and chase up the
> request for the proof? 
> 
Yes.

> What counts as proof? 


Usually renewal notice which shows the NCB plus the policy number.


> Renewal notice from your old insurance co (where
> it states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or
> two, should you ask your old company for NCB certificate (if there is
> such a thing?), or would the old renewal letter do? I get the feeling
> some of these insurance companies charge for sending out proof of
> NCBs?
> 

Explain to your new insurer. THey'll tell you what you need to do and 
if its a decent broker, will probably do it on your behalf if you have 
the old policy number.


-- 
Conor

The child is grown, the dream is gone.
I have become comfortably numb. - Pink Floyd

Conor wrote:

> In article ,  says...
>> Do insurance co always check for proof of NCB, and chase up the
>> request for the proof?
>>
> Yes.


Wrong, I've only ever been asked for it once.

-- 
re-configure the solar matrix in parallel for endothermic propulsion

Tim S Kemp wrote:

> Conor wrote:
>> In article ,  says...
>>> Do insurance co always check for proof of NCB, and chase up the
>>> request for the proof?
>>>
>> Yes.
>
> Wrong, I've only ever been asked for it once.


I haven't generally been asked but I've just taken out a policy with 
Swintons and been asked to provide proof 'within 7 days'

So I hope the post moves quickly as I have to ask for it, get it, then send 
it to them.....

"AstraVanMan"  wrote in message
news:2xVPe.1996$Ys5.307@newsfe7-gui.ntli.net...

> > <Brian> wrote in message
> > news:csvug1l3su83u2ajohn8v66tmn6q8f7nk5@4ax.com...
> >> Do insurance co always check for proof of NCB, and chase up the
> >> request for the proof?
> >
> > yes and yes and should you fail to provide they will invalidate your
> > insurance
>
> No they don't, they just increase the premium accordingly.
>
> -- 
> Peter
>

like everything else it depends on your insurer the reminder I got left no
doubt
Derek

When I changed my insurer earlier in the year the new company said they
could get details of my NCB themselves.

I assume they can use this to check.

http://www.miic.org.uk/


<Brian> wrote in message news:csvug1l3su83u2ajohn8v66tmn6q8f7nk5@4ax.com...

> Do insurance co always check for proof of NCB, and chase up the
> request for the proof?
>
> What counts as proof? Renewal notice from your old insurance co (where
> it states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or
> two, should you ask your old company for NCB certificate (if there is
> such a thing?), or would the old renewal letter do? I get the feeling
> some of these insurance companies charge for sending out proof of
> NCBs?

<Brian> wrote in message news:csvug1l3su83u2ajohn8v66tmn6q8f7nk5@4ax.com...

> Do insurance co always check for proof of NCB, and chase up the
> request for the proof?
>
> What counts as proof? Renewal notice from your old insurance co (where
> it states 5yrs+ NCB etc)? If you 'hibernate' your NCB for a year or
> two, should you ask your old company for NCB certificate (if there is
> such a thing?), or would the old renewal letter do? I get the feeling
> some of these insurance companies charge for sending out proof of
> NCBs?


Previous certificate, schedule, letter from insurers? I get my motorbike 
insurance through a brokers called Hastings. They recently renegotiated 
their policies with my insurer then asked me for proof of no claims, the 
idiots.

-- 
Malc

Well, you all want to listen up!!! I had 5 years, YES 5 Years NCB on
protected status since 4, lost my job so had to sell my car and had no
transport for a year. Got new job and with first months salary bought a 2nd
hand car and thought nothing better than to insure it with 5 years NCB. XX
WRONG XX as I haven't been on the road for the last year I revert to ZILCH
NCB!!! and all the other insurers I tried all pulled the same scam including
the AA!!! so read the small print before you insure!!!
-- 
The Source For Premium  Newsgroup Access
Great Speed, Great Retention
1 GB/Day for only $8.95

wrote in message 
news:432dcff8$0$17383$a15e20c9@news.newsgroupdirect.com...

> Well, you all want to listen up!!! I had 5 years, YES 5 Years NCB on
> protected status since 4, lost my job so had to sell my car and had no
> transport for a year. Got new job and with first months salary bought a 
> 2nd
> hand car and thought nothing better than to insure it with 5 years NCB. XX
> WRONG XX as I haven't been on the road for the last year I revert to ZILCH
> NCB!!! and all the other insurers I tried all pulled the same scam 
> including
> the AA!!! so read the small print before you insure!!!


Hmm. Last time I tried this I hadn't been insured for two years. No 
problem - I kept my NCB (9 years, no protection). This was a couple of 
months ago.

cheers,
clive

On Sun, 18 Sep 2005 21:10:46 GMT, zagga@shatteredmirror.org wrote:


>Well, you all want to listen up!!! I had 5 years, YES 5 Years NCB on
>protected status since 4, lost my job so had to sell my car and had no
>transport for a year. Got new job and with first months salary bought a 2nd
>hand car and thought nothing better than to insure it with 5 years NCB. XX
>WRONG XX as I haven't been on the road for the last year I revert to ZILCH
>NCB!!! and all the other insurers I tried all pulled the same scam including
>the AA!!! so read the small print before you insure!!!


You've been done. NCD expires (apparently) if not used for _two_ years,
but should be OK after one. We had my wife's car on a classic policy (no
NCD) for a year; we reverted to a normal policy when we realised she'd
lose her NCD if she stayed on the classic.
-- 
Regards,  Chris    (Please take out my car to reply by email)     
----1961 Austin A40 Farina----1966 Triumph Herald Estate---
---1967 Riley Elf---1965 Hillman Minx---1969 Morris Minor--
-1972 Mini Clubman estate--1957 Standard 8--1979 Ford Capri
    ********** Please don't email in HTML! **********