I had to renew my car insurance last Dec '24, Owcthosevof us who develop a healthy NCB , know it brings a not inconsiderate discount to our insurance bills and helps keeping a car viable on the road.
My problem started , because I lasped insurance on my car , my brother was using it, I was on the insurance policy as a named driver, as if I needed to drive somewhere I could, he paid the bill, but it was still legally my car.
This year,he got his own , and I reverted back to the policyholder, In so doing insured it as the policyholder.
All good , untill last week I got contacted to verify my details, as it had been 2 years, ( actually less, by a few days) they said I didn't have NCB and wanted an extra amount.
I disagreed , they didn't relent, so I cancelled my policy to look elsewhere.
They gave me a cancellation notice, and a statement on my NCB , which lo and behold was my full entitlement.
Now ,I got back to them to ask what the position was, did I have it or not, as they were adamant I didn't.
3 times I asked and 3 times came back with no reply other than the statement.
Now , yes I was petulant and took back my toys, but I had already been messed about by them , with other irregularities.
Now , the position is do I have right to use the the statement to claim my discount , that they said I didn't have
Or do I just go ahead and use it, the previous insurers won't be missing out , but the next might
