no claims bonus?

Question

i want to take out insurance

ive driven since 2000 but only drove my parents car sometimes. was covered as a third person on their insurance

i had my first car in 2006 and was insured for a year before it broke down since then havent had a car, just got new one, and want insurance.

would i have only 1 yrs no claims? i cant remember the name of company as my dad arranged it and he cant remember either, will the new insurer be able to find a record of it?

i dont have any paperwork as ive moved about alot. should i just say i have 1 years no claims? obviously i wont have any paperwork to show to new insurer.

please help?

Answer 1

I think that you are going to have to start from scratch as most companies insist that YOU provide the proof, basically they are not very helpful on this subject unless you are lucky. If you shop around some of them will start you off on 10% with no proof as an incentive.

Answer 2

Many insurance companies have access to a national database that allows them to see if claims have been paid -- either on a particular vehicle -- or for you or a particular person in your household. Some will accept this records check as evidence of having a clean record. The only problem there is that some insurance companies don't report to this national databse.

Other companies may require a "Loss Run" or "Letter of experience" from any of your prior companies, so they can detail their claims experience with you. These are often the best way of getting proof of a clean insurance claims history.

However, since you've been completely without insurance for over 6 months, many companies may require that you go on a high-risk policy for 6 months to 1 year, to establish a history with them. People who allow their insurance to lapse (regardless of the reason) are seen as higher risk by insurance companies, and therefore will have to jump through a few more hoops when it comes time to re-establish that insurance.

Answer 3

My partner had a company car for 8 years and was insured through his business. He was then a named driver on my insurance for 2 years HOWEVER when he went on to set up his own company and purchase his own car, his good record counted for nothing as insurance was never directly in his name.



Luckily the insurance company somehow were able to check and although they couldn't give him the full 10years no claims, they did give him a discount of £150 - which was better than a sharp stick in the eye.



Be honest with them, they should be able to check as everything will be centralised - it's how they can eliminate fake claims and such.

Answer 4

Yeah unfortunately I think that david s is right. You need to have proof of your no claims.



HOWEVER - if you can find out the company, then you don't need physical evidence - this was the situation with my partner - i stupidly threw away her insurance renewal (I could have lied then and said the dog ate it - that's how honest I am!!) and when her new insurance company asked us to forward proof we didn't have any - ooops! But I emailed the new company and told them of my stupidity and gave them the name of the previous insurer, and THEY checked it out and said that it was all fine - how kind were they?!!!



Put your thinking cap on, and try to remember your old insurance company - it was only 2 years ago!!



Hope it all works out OK :)



Oh, just a thought - if you have online banking - go back to when you paid your insurance and look for the name on your bank statement?

Answer 5

You may have lost that year as the computerised recording of insurance data only started recently. It's all linked at DVLA. The only way to find out is to go to the comparison sites, pick a company that suits and apply on-line. If you state you have 1 years NCD and it comes back okay, away you go. If however it comes back as not accepting your year, you've lost it.



http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance