No Laws to Stop Insurers Deleting your No Claims Bonus Years?

Thanks to the EU, the 5th Directive took over from the 4th Directive and we recommend cialis professional covered a number of points relating to motor insurance. It was adopted on May 11 2005 and came into force on June 11 of that year. While much of it’s provisions were already part of UK law, such as providing compensation from the Motor Insurance Bureau where someone is involved in accident and the other car is not insured or has false number plates, it did include the right for a policyholder to ask for evidence of their claims experience with their insurer when they leave.

While this looks good, it does not appear to click here canadian online pharmacy viagra make it compulsory for insurers to offer this information, nor does it indicate how many years they should go back and what detail should be offered.

So can you lose your proof of no claims bonus years? From what we’ve seen – yes, but it is a rare practice:

Insurer Max No Claims Discount Offered No Claims Years Proof on Leaving 5 years plus More than 5 years proof
Endsleigh Up to 9 years Proof up to 9 years
Diamond Up to 9 years Proof for as long as customer is with them
Esure Up to 9 years Proof for up to 20 years
Shelias Wheels Up to 9 years Proof for up to 20 years
Aviva Up to 5 years Proof for up to 5 years automatically, you can try asking for more
LV Up to 9 years Proof for up to 9 years
Saga 4 years + Unknown*
Churchill Up to 5 years Unknown*

While most insurers are happy to pass on details of their insurance history with their customer, those which offer just a few years of only now purchase cialis online no claims bonuses do sometimes limit the number of years they are willing to disclose. Many claim that it is simply the limitations of their systems which prevent them from doing so, but this limitation could inadvertently cost their customer money should they go to an insurer who offer a higher number of years discount on their policy.

Diamond, Esure and Sheilas Wheels all offer their customers up to 20 years (or more) proof of their history with their company, a figure which would prevent any problems with subsequent insurers, as no insurer appears to offer discounts on any more than 9 years of claim free driving. will offer 5 years worth of discount for a careful driver and say they will give proof of more than 5 years or up to the total the cialis 100mg customer has gained with them. Both Saga and Churchill were not forthcoming when it came to a definitive answer to viagra next day'>viagra next day their policy on offering proof of no claims. In both cases these insurers only offer a discount up to 4 and 5 years respectively – somewhat less than other insurers.

Aviva will also offer a discount up to 5 years and say they offer proof up to 5 years as standard, but may offer more proof if asked. They suggest keeping records of any no claims period built up with another insurer, as they will not offer proof of any no claims built up before the policy is taken out with them – even if this was used as part of the original discount offered.

While many policyholders may take great pride in their many years of careful driving and may expect that they will get huge discounts on their insurance as a result, it is not always the case. In fact, when searching for insurance it is sensible to take the whole policy into account. Many insurers may offer what appear to be huge discounts of up to 75%, but if it is an already expensive policy, then the saving may disappear.

Ian Crowder of the AA points out that what really matters is the insurers calculation of risk, which is based on many factors, not just the canadian drugs cialis number of years claim free. Therefore when searching for an insurance quote, a customer may well have quotes which vary enormously depending on the insurer. Once the no claims bonus is added, the quotes from an expensive insurer may well become cheaper and vice versa. The percentage of viagra from canadian pharmacy discount varies as does the number of years discount offered.

So it is not simply a case of applying for your claims history, taking that to your new insurer and expecting a huge discount. The overall value of the product should be taken into account. Despite the 5th Directive and the right for a customer to ask for this information, it may not actually do them very much good at all.

* Despite repeated attempts to obtain this information we had still not received it prior to publishing this article.

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7 Responses to No Laws to Stop Insurers Deleting your No Claims Bonus Years?

  1. S Surrey says:

    I am amazed there is no law to cover protected no claims bonus / discounts or a law that the insurers explain their policy / rules on this subject before you purchase insurance.
    I have built up over 10 years worth of “Protected No Claims Bonus”, I have also paid each year to protected my no claims, yet after leaving an insurance company I found that I now only have 6 years as their under writers will not cover any more despite the viagra 50 mg tablets'>viagra 50 mg tablets fact that I paid to have all 10 years covered with them. Why I was not information I would lose 4 years protected no claims when taking out the policy I do not know? Why is there not a law to protect me from this shameful practice?
    Personally I find the rules and laws on this totally inadequate. I paid to have them “PROTECTED” not reduced. Surely the policy has been miss-sold to me.
    If any other company acted in this way with its customers “miss leading them” they would be held accountable. Yet insurers get away with it time and time again. Why?
    By law I have to insure my car if used on the road, yet I am not protected by the same law from the sharks selling the polices.
    I can not be the only person that has experienced this?
    If the insurers only protect a certain numbers of years they should be obliged to also include the other year on your renewal document as previous proof i.e. I started with 10 years PNCB added 1 year PNCB left with 11 years, of which only 6 years were covered. This way the purchase cialis online'>purchase cialis online new insurers can clearly see the accurate number of years accumulated. They can then advise the coustomer what they are prepared to protect for the following year and at what cost.

  2. John says:

    Did you have a claim in those 10 years? Your no claim bonus would have been protected but a new co. would look at claims history. Bonus was only protected with your last co.

  3. dee says:

    i have just tried to renew my car insurance policy and have encountered a similiar problem in that i enter a policy with 10yrs no claims and follow link non prescription viagra they will only issue a letter at end of my policy stating 9 years! it is very unclear on the policy documents that i will loose this year and i think it is disgusting that the insurance companies can get away with it and not reward safer experienced drivers and continue to increase the cost of car insurance!!!

  4. John McFadyen says:

    The RAC are refusing to issue me with proof of no claims bonus after I moved to another insurer


  5. C G says:

    It seems extra years of no claims don’t help much. I just made a quote for insurance and put down 9 years as my renewal stated. I then put in 10 years as I actually have and the premium went UP by £10.

    One extra year of no claims = £10 more policy.

  6. C G says:

    need less to say I accepted the 9 years certified by my old company.

  7. Mandy says:

    I was insured for 2 years in Spain for my Spanish car, and have proof of the 7 years prior to that and 2 years with my Spanish insurer on viagra samples in canada'>viagra samples in canada a separate certificate. I have recently bought an English car to drive in the UK and new insurer is saying that they can not accept 2 separate certificates as proof of no claims even though the dates run concurrently. I this legal?

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