I just took out a new insurance policy on another car. Everything was done online, as is usual these days.
I have not been asked to provide proof of my No Claims Bonus. I have it on an email from the previous insurer.
Then I started thinking; I haven't been asked for NCB proof on any new insurance for years, nor has my wife.
So I'm wondering; do insurers have access to NCB details via the insurance database nowadays?
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Insurance NCB proof
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- Lifer
- Posts: 8490
- Joined: Wed Jan 20, 2021 7:20 pm
- Location: Spaldingski
Insurance NCB proof
All good things come to those who wait. I'm really impatient which explains a lot.
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!
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- Senior Member
- Posts: 1065
- Joined: Mon Aug 31, 2015 9:17 pm
- Location: By the M6 Toll Rd Staffordshire
Insurance NCB proof
The last two years I have never been asked so I did ask in October on my last renewal and was told it’s all on record now, and I can see here you have more than nine years NCB
My Cars
2021 X3 M Sport loaded with Tec
1974 Triumph TR6 in Mimosa Yellow
Gone but not forgotten
2008 Z4 3.0 SI Roadster
2021 X3 M Sport loaded with Tec
1974 Triumph TR6 in Mimosa Yellow
Gone but not forgotten
2008 Z4 3.0 SI Roadster
- Rockhopper
- Senior Member
- Posts: 1116
- Joined: Fri Mar 06, 2020 7:05 pm
- Location: Mansfield
Insurance NCB proof
I think they risk assess new business - so if there is something in your application that makes a warning bell go off they will ask for the proof.
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- Lifer
- Posts: 8490
- Joined: Wed Jan 20, 2021 7:20 pm
- Location: Spaldingski
Insurance NCB proof
I thought that was what an insurance proposal was...a risk assessment!
All good things come to those who wait. I'm really impatient which explains a lot.
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!
- smorris_12
- Member
- Posts: 902
- Joined: Mon Apr 18, 2022 2:14 pm
- Location: Somerset
Insurance NCB proof
There is an insurance database so I suppose there's a paper trail of policies and claims.
I get the feeling NCB is becoming less relevant. Companies all seem to be willing to match existing NCB when you buy a second car rather than it having to be earned. If you claim they hike the base premium up to claw money out of the protected NCB bunch.
I get the feeling NCB is becoming less relevant. Companies all seem to be willing to match existing NCB when you buy a second car rather than it having to be earned. If you claim they hike the base premium up to claw money out of the protected NCB bunch.
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Scott
Where are we going and why am I in this handbasket?
2006 Z4 2.5si Silbergrau und rot
Scott
Where are we going and why am I in this handbasket?
2006 Z4 2.5si Silbergrau und rot