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#148800 - 21st Feb 2007 1:36pm Just Got My NCB Confirmed By Quinn Direct
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Right, I got an amazing quote from Quinn Direct for my car insurance, £373.74, and as most companies wanted in the region of £600+, obviously I decided to take it. This was based on a 1 year NCB.

Anyway it started on the 5th February, and last week I sent off my proof of NCB (my old insurance schedule), which I was advised would be fine. With the cover letter I provided with the schedule, I again noted that it was to prove my 1 year NCB.

However, I have today recieved a letter from Quinn confirming that they have recieved the proof of NCB and it has been accepted etc. But the really weird thing is, they have noted that I have informed them that I am only eligable for 1 year NCB, however they have also informed me that this has been ammended to 3 years NCB after reviewing my proof, and that they have adjusted my annual premium accordingly. It has reduced my insurance to less then £300 per year.

Just wondering if anyone has any idea if this is legal from my side, not to inform them that I deffo only have 1 year NCB and not 3 years.

As Webby said earlier, I might never have recieved the letter if it had got lost in the post so I wouldnt know anyway if that had happened lol.

Ive made it pretty clear to them that I have only 1 year NCB on at least three occasions, and it is them who have adjusted it to 3 years based on the evidence I have provided.

Should I leave it as it is, and provided I don't claim this year, I will have a nice 4 year NCB certificate in my hands next year (and therefore able to protect it hehe), or should I really phone them up and inform them for the fourth time that I am only eligable for 1 year NCB? As far as I am concerned I have not lied to them and I have made it pretty clear, in both voice and writing that I am only eligable for 1 year NCB, and this is something that they have clearly acknowledged on more then one occasion in writing.

Thanks guys smile

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#148805 - 21st Feb 2007 2:07pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: MattLFC]
scoop Offline
Wiki Addict

Registered: 18th Nov 2004
Posts: 7238
Loc: Leuchars
very very tricky one this, i'd be tempted to leave it, the chances of it biting u in the ass are slim,and if something does happen and they question it call on the correspondance u have been talking about. maybe phone and ask if they have a wierd policy, like 1yrs ncb = 3 if u drive a clio?
_________________________

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#148808 - 21st Feb 2007 2:17pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: scoop]
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
How long have you been driving?

Its a question some ask and it may bite you in the future if questioned.

You could end up with zero NCB if you cant prove 4 years NCB at renewal time.
_________________________


What If There Were No Hypothetical Questions?

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#148812 - 21st Feb 2007 2:42pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: StuyMac]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Av posted this on the Pug forums as well, and they have pretty much said that the only thing that can come of it is that I can be asked to pay more at a later date.

Also, some lad on there has had a few problems as Liverpool Victoria gave him 3 years NCB and he is only 19, although if he were 20, the company he was getting a quote with said it would have been fine...

Maybe its just a Liverpool Victoria thing??

smile

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#149046 - 23rd Feb 2007 9:40am Re: Just Got My NCB Confirmed By Quinn Direct [Re: MattLFC]
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
Just leave it you fanny and say nothing.

Its clearly there error and not yours so your NOT Liable for there errors are you !

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#149070 - 23rd Feb 2007 6:30pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: Scooby]
Pomp Offline

Forum Veteran

Registered: 19th Aug 2005
Posts: 5253
Loc: Wirral
haha ye do wot scooby sez, not ur fault as u have done both talked to them and given in a writen. If they feel like givin u 3 years then let it be.

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#149076 - 23rd Feb 2007 7:08pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: Pomp]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Okies, I will do, thanks for the advice guys smile

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#149082 - 23rd Feb 2007 7:21pm Re: Just Got My NCB Confirmed By Quinn Direct [Re: MattLFC]
Den Offline
Smartchild

Registered: 15th May 2005
Posts: 401
Loc: Little Sutton
same with me, i had 1 years ncb with liverpool victoria. switched to quinn direct for my new car and the letter came from liverpool vic saying i had 2 years so i sent it off to quinn and had it amended to 2 years ncb. its a common occurance i think. i've heard nothing back from them about it so i'd say go for it mate.
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