Might be worth me clarifying the no claims bonus with current insurers then. They currently have it down as 8 years - presumably this would be reduced to 5 years and bearing in mind a lot of insurers only accept a max of 6 it might not make too much difference.

I appreciate you taking the time to respond. Thanks again.

I would have thought that for a open claim the Insurers would have deducted the 2 years NCD relevant to a fault claim and the adjusted NCD would be shown on the renewal notice. If they have not done this, then that is not your problem.

I would personally suggest that you should phone companies to confirm the claims details and to provide the NCD years shown on the renewal notice. The Insurance staff you speak to should work out that the NCD is wrong.

Your only problem is that the new Insurers are connected to the previous company and they look up your previous Insurance details. If they see that the NCD is wrong, they may come back asking for the extra premium. Once you are locked into a contract, you might find it difficult getting out of it, If the premium is unafffordable. They will require a cancellation fee of up to £50 plus the time on risk. It is possible that if you are caught out using an incorrect NCD, that you would miss out on shopping around for the best value Insurance at the correct NCD level.

It is up to you how you proceed in regard to getting the renewal notice corrected and therefore advising new Insurers of the correct number of years. BUT you should make sure any new company is aware of the open claim.

Many thanks for the response.

Would it be better if I just advise any new insurers of the accident and put it down as a fault claim (which is how I presume most insurers would treat an outstanding claim anyway)? Hopefully my 'increased' no claims bonus should balance out an increased premuium.

If they have got it wrong, this is not really your problem. You are a consumer and can only go by what you are told, so go ahead and take advantage.

If there is an open claim, you must advise any new insurers of this. Some may not quote.

Hi

My current insurers have sent my renewal notice with proof of no claims - however, I think the number of years no claims they have stated is too high - should I just keep my mouth shut and use it against my next policy or is that a dangerous game to play? How likely is it that I would be found out?

My previous car was written off so I took a new policy out on my replacement car (with the same insurers), I declared the accident/outstanding claim etc. so was completely honest. The claim is still being dealt with (but likely to go down as my fault) but on the renewal notice I still have full no claims bonus - they have not yet reduced it.

Thank you