I understand the current state regards to whiplash cheats, but what is the government going to do about clamping down on the insurance companies.
1. Insurance comapnies are the ones passing details of their customers to 3rd parties to initiate most of the said claims to push their drive to give them a reason to justify their hike in quoting high premiums, they are the winners in all cases not the consumers
2. All insurers base premiuims against yeras of NCD built up by each individual, these careful drivers should be protected against the postcode high codes which insurers follow to gain high sums for premiums?
3. Insurers only accept upto 5 years NCD whilst a few accept up to 7 years, but with consumers like myself who have earned 14years free claims, the eaxtra 7years I have earned does not do anything to lower my premium why not, surely something needs to be done?
4. Insures now advise, if you have not insured a vehicle for a year / perhaps 2, then you automatically loose all your previously earnt NCD, surely this policy should be looked at and updated to the removal of a years NCD to each year you are not insured eg, A man/woman has 9 years NCD, has through personal circumstances not taken out car insurance for 2 years, when they next apply for insurance only 2 years is removed leaving the consumer with 7years NCD on their insurance premium?
There has to be a change, carefull drivers should be given the greater discount of course based upon the years NCD they earnt over the yeatrs, and NCD protection should only protect part of your NCD in an incident of their own fault and a years NCD should be removed per fault, eg 2 fault incidents in a year = 2 years removed off their policy that year, though the remainder of NCD is still protected for renewal of their insurance the following year.