WikiWirral its great, register, enjoy and welcome.
Forum Statistics
Forums65
Topics76,352
Posts1,033,281
Members14,560
Most Online16,551
Feb 2nd, 2024
Who's Online Now
7 members (3 invisible), 8,139 guests, and 433 robots.
Key: Admin, Global Mod, Mod
Top Posters
sunnyside 45,164
MattLFC 22,315
Mark 21,269
granny 17,788
_Ste_ 16,345
Newest Members
Kalena1962, rattus, Lisrush, Emotecreative, ArranGirl13
14,560 Registered Users
New General Forums
New Wirral History
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
D.I.Y. / Building Shop
by mharford91 - 3rd Mar 2024 8:53pm
1970's Murder in Central Park, Wallasey
by cutespam - 4th Aug 2018 10:28am
Old Hall in Higher Bebington
by Rhoobarb - 25th May 2010 5:55pm
Oleo Works
by Ducko - 14th May 2008 3:09pm
Top Posters(30 Days)
granny 14
casper 13
bri445 4
Topic Replies
What song are you listening to?
by diggingdeeper - 28th Mar 2024 6:06pm
Facial recognition coming in supermarkets?
by diggingdeeper - 27th Mar 2024 3:50pm
Bolts at Bebington Road
by diggingdeeper - 27th Mar 2024 2:33am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Tall Brick Chimneys
by diggingdeeper - 26th Mar 2024 5:43pm
Lost river (Well, brook really)
by diggingdeeper - 26th Mar 2024 3:09am
Old Hall in Higher Bebington
by diggingdeeper - 24th Mar 2024 5:58pm
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
March
M T W T F S S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31
Top Likes Received (30 Days)
cools 1
Kylix 1
Top Likes Received
bert1 14
Mark 4
granny 3
casper 3
Previous Thread
Next Thread
Print Thread
Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
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

Google Ads
Joined: Nov 2004
Posts: 7,238
Wiki Addict
Offline
Wiki Addict
Joined: Nov 2004
Posts: 7,238
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?


[Linked Image]
Joined: Nov 2003
Posts: 12,002
Wiki Master
Offline
Wiki Master
Joined: Nov 2003
Posts: 12,002
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?
Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
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

Joined: Nov 2003
Posts: 5,327
Forum Veteran
Offline
Forum Veteran
Joined: Nov 2003
Posts: 5,327
Just leave it you fanny and say nothing.

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

Joined: Aug 2005
Posts: 5,253
Forum Veteran
Offline
Forum Veteran
Joined: Aug 2005
Posts: 5,253
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.

Joined: Aug 2004
Posts: 22,315
MattLFC Offline OP
Wiki Master
OP Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
Okies, I will do, thanks for the advice guys smile

Joined: May 2005
Posts: 401
Den Offline
Smartchild
Offline
Smartchild
Joined: May 2005
Posts: 401
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.


[Linked Image]

Moderated by  Mod 

Link Copied to Clipboard
Random Wirral Images

Click to View Topic.
Newest Topics
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
For Sale & Free
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
This is Elvis
by GingerTom - 17th Mar 2024 2:37pm
Member Spotlight
diggingdeeper
diggingdeeper
Wirral
Posts: 14,344
Joined: July 2008
Today's Birthdays
There are no members with birthdays on this day.
New Wirral Info
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Get your Money Tree ready
by keef666 - 22nd Mar 2023 12:27pm
Restaurant/pub with outdoor seating - Bromborough
by CarterUSM - 7th Aug 2020 7:59pm
News : New Topics
Gaza
by diggingdeeper - 29th Oct 2023 9:28am
Lost river (Well, brook really)
by Excoriator - 10th Sep 2019 8:50am
New Enthusiast Forums
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Xbox
by TudorBlue - 3rd Mar 2024 8:48pm
Wiper mechanism needed
by Peter0787 - 20th Feb 2024 4:07pm
What song are you listening to?
by - 24th Jun 2007 9:06am
Popular Topics(Views)
5,069,769 WIKI WALK CHAT
4,013,846 Spotted!
Powered by UBB.threads™ PHP Forum Software 7.7.5