I was insured with them even though I provided proof of 4 years when I insured with them. THey said If I renewed with them I could Have The 5 years no claims bonus otherwiseI would only get one year Is this legal?
2007-05-01 11:36:28 · 8 answers · asked by samwise_boffin_of_whitfurrows 1 in Cars & Transportation ➔ Insurance & Registration
There should be no problem obtaining a quote with 5 years bonus through a broker providing you can obtian proof of 4 years no claims bonus on your policy that expired when you went to Direct Line and the 1 years claim-free proof you do obtain from direct line.
If you feel that Direct Line have not treated you fairly, lodge a complaint with them - complaints procedure is in the policy document (at least it better be!). They have to investigate and the fact that a complaint has been registered has to be disclosed to the FSA.
With regards to premiums - please do not confuse 'cheap' with 'better'.
2007-05-02 01:51:51 · answer #1 · answered by welcome news 6 · 0⤊ 0⤋
All you need to do is get the original proof of the 4 years as this was not provided by direct line and then get the proof from direct line for the new years no claims bonus and apply with a new insurance company. Don't let them walk all over you!! I have a similar problem with norwhich union they definately stopped "quoting me happy" lol try someone like http://www.moneysupermarket.com/motor/ and find a new company with a good price. Just got a good deal with tesco through them. :-)
2007-05-01 21:45:09 · answer #2 · answered by Kris s 2 · 0⤊ 0⤋
It's legal. The no claims "bonus" is just that, a bonus, a gift, a present, no insurers are obliged to give you any discount if they don't feel inclined to, nor are they obliged to provide any "proof".
Sounds like Direct Line are relying on this, just proves what some people say about their business methods!
2007-05-01 21:30:05 · answer #3 · answered by champer 7 · 0⤊ 0⤋
If Direct Line allowed you 4 years NCB at inception, at next renewal they should provide proof of 5 years. Speak to them again and quote Financial Services Authority (FSA) and Treating Customers Fairly (TCF) at them - they may reconsider.
Failing that, proof of the 1 year from them in conjunction with the previous insurers NCB proof will demonstrate 5 years NCB.
Sounds to me like another case of Direct Line being a shower of sh*te to me!
2007-05-01 20:56:05 · answer #4 · answered by Micky Fees 3 · 0⤊ 0⤋
If you have proof of 4 years that you provided them with, and they then give you one more, I think 4 + 1 = 5
2007-05-01 11:58:09 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋
Unfortunately, yes. However, the one year with them plus the 4 years you brought in (contact the former insurance company for documentation of that) should clear you with most insurers for the full 5-year NCB.
2007-05-01 11:45:30 · answer #6 · answered by Bostonian In MO 7 · 0⤊ 0⤋
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2016-12-28 06:53:24 · answer #7 · answered by ? 3 · 0⤊ 0⤋
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2007-05-01 12:46:00 · answer #8 · answered by Anonymous · 0⤊ 0⤋