Insurance question

[PyroUK]

Ombudsman is a very effective tool for getting what you want, especially if the cost to them is a lot less than £500. Win or Lose (on the insurers part) its a £500 fee to the ombudsman.

Also depending on what you want out of them, you can send them a Data Subject Access Request. It'll cost no more than £10 (if they charge more than that tell them you will speak to the ICO and FCA(half the new name for FSA)) and ask them to confirm everything they hold on you. You can also ask for specific information.

If they fail to provide the information to you in a timely manner (currently i believe they have to respond within 40 days) or not provide you with everything you asked for or they hold on you, the can face a HUGE fine.

Got a friend of my sisters to do that after the people that do the CRB certificates wouldn't send her a replacement, after much complaining as they said they can't issue replacements they finally told her that it would cost £50. Told her to do a DSAR and pay the £10, got the certificate.

[TamSV]

Originally Posted by Fordward

As I've insured two bikes on two policies and never made a claim, should I be able to have 7 years on one bike and 4 years on the other??

Yes. You can't use the same bonus on more than one vehicle but you can have multiple NCD's if you have multiple vehicles.

[Bibio]

so why do you loose NCB on all vehicles if you claim on only one vehicle?

[PyroUK]

Because they ask if you have incurred any losses or accidents regardless of the vehicle and rate you accordingly.

Shafting plain and simple

[TamSV]

Originally Posted by Bibio

so why do you loose NCB on all vehicles if you claim on only one vehicle?

You don't. A claim might affect premium on other vehicles but they won't lose NCD.

Hmm, wee stroppy phone call to my insurance company coming up. Thanks for the replies

[PyroUK]

Originally Posted by TamSV

You don't. A claim might affect premium on other vehicles but they won't lose NCD.

That would depend very much on the questions each individual insurer asks you.

You could try and say the NCB for this vehicle was not reduced to get round it, but they may well end up just shafting you.

Personally i am just hoping i get to enough years that i can protect my NCB.

[embee]

It sounds like it depends on how the insurer works. I'm with Aviva (Norwich Union as was) with a multi-bike policy. I have 4 bikes on it, each has a separate certificate but they are all on one policy number and they all hold (and I presume lose) the same NCD. I just added the 4th bike a few weeks ago so confirm this is for definite how it works with them. Effectively I have the NCD on that policy regardless of whether I have 1 or 4 (max) bikes on it.