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Problem getting no Claims Certificate

Last post Wed, Oct 28 2009, 9:23 PM by maxsteam. 1 replies.
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  •  Wed, Oct 28 2009, 9:23 PM

    Re: Problem getting no Claims Certificate

    Normally any document from you insurer that mentions your NCB and your policy number will be acceptable so you should first have a look at what you have. Had you made a copy of the renewal quote before returning it, that would probably have been acceptable. The NCB will have been mentioned on the renewal quotes for this year and last year as well as on other documents perhaps.

    It sounds like they are saying that £200 is owed because they "automatically" renewed the policy. You should tell them, in writing, the date and time of the call (it'll be on your phone bill) when you cancelled as well as details of your move and, particularly, details of why the car did not need insuring between March and now. If they believe that you have used the car between March and now, they will have a strong case for asking for £200 and they wont send out any paperwork until it has been paid. There is nothing wrong with involving the ombudsman if you wish.

    However, if you have any documents from last year's renewal, it may be possible to use those as proof of NCB. Your previous insurer may even post something to you if you ask - it'll be a year older than the current renewal, of course. If you are moving overseas for more than 6 months, you will find it difficult to insure the car without reregistering it in whichever country you are in (sometimes called matriculation).

    • Post Points: 5
  •  Wed, Oct 28 2009, 8:35 PM

    Problem getting no Claims Certificate

    Hi, I am looking for some advice please? My husband and I took a policy with Swinton car insurance, the policy came to an end in March and as we were due to leave the country, we cancelled the policy and returned renewal paperwork. We now want to insure our car outside of the uk, so, my husband contacted them a few weeks ago and asked for the no claims certificate to be sent to my parents house, the agent took the address and said 'no problem, this will get sent out immediately' - great stuff we thought. As of today we still had received nothing so my husband called up only to be told that no certificate would be issued as our 'renewed' insurance policy had received no payment since march and we owe them around £200.00, although she did confirm that yes they had received the paperwork back hence why no payment had been made!

    She also advised him that the previous agent had made a note on the account that in original call that he had advised my husband of the outstanding debt - which he had not! My husband asked for the call to be listened to to prove that none of this had been discussed and that the agent had issued the certificate - to which he was told they dont record calls.... rubbish.

    Although we both know that this policy had been cancelled surly they should still have to issue me with my 3 years no claim which took us up until march? Should I contact the ombudsman regarding such a poor service?

    thanks in advance

    • Post Points: 20