Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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I'm away from home for the week and forgot to stop the aa renewing my car insurance.
My question is... I had a prang at the start of December last year. If I keep my Insurance till after that date, will I get the extra years no claims and just pay for one months worth, then cancel, and get 11 months worth refunded to me?
Hastings direct were 150 cheaper so want to move over to them.
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Teddy
Member
Registered: 19th Jul 04
Location: Northampton Drives: VW Bora 1.9TDi pd130
User status: Offline
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Most likely with admin fees.
Check the small print.
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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Will do when I'm home.
But I would gain a years no claims even tho I'd of only paid 1 month?
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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Be polite, have a bit craic with the person on the phone and they might just refund it without the fee 
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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Well just had someone phone me trying to get me to take legal cover, so told her I plan to cancel in a month. Turns out I won't get another year, even tho its a year since the prang as it just counts as a claim Nov to Nov when my I.surance was valid.
So gonna cancel it tomorrow when I'm home
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Yeah you won't get a years no claims without the policy being valid for a year?!  
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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My thinking was that it had been a year since the crash, therefore I hadn't claimed for a year 
[Edited on 18-11-2011 by Cavey]
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote:
Originally posted by Cavey
My thinking was that it had been a year since the crash, therefore I hadn't claimed for a year
[Edited on 18-11-2011 by Cavey]
I thought the same. My car ownership anniversary and insurance renewal anniversary are three months out of sync, and I was insured on my old car for 9 months with tesco which just about passed me into my 8th year of NCB.
I cancelled at this point when I got a new car, and went with Direct Line - and I've gone back to 7 years NCB now as I lost the 9months with tesco, despite the fact that the 9months passed me over 'the threshold' into another year of NCB.
Lotus Elise 111R
Impreza WRX STi
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why would you think 9 months out of a 12 month policy would give you a years no claims?
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Liam-Wilko
Member
Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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you have 14 days from a policy reneweing or been taking out to cancel thats by law
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote:
Originally posted by John
Why would you think 9 months out of a 12 month policy would give you a years no claims?
Because it was a multiple of 12months since my last claim. As I said, my policy renewal and length of NCB was out of sync.
Passing the 9th month with tesco marked my 8th year of NCB over my car ownership.
Lotus Elise 111R
Impreza WRX STi
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MarkSport
Member
Registered: 22nd May 09
User status: Offline
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I cancelled mine yesterday after 13 days and only got charged an admin fee.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Kyle T
quote:
Originally posted by John
Why would you think 9 months out of a 12 month policy would give you a years no claims?
Because it was a multiple of 12months since my last claim. As I said, my policy renewal and length of NCB was out of sync.
Passing the 9th month with tesco marked my 8th year of NCB over my car ownership.
If it worked that way you could be not insured for 8 years and get 8 years no claims.
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote:
Originally posted by John
quote:
Originally posted by Kyle T
quote:
Originally posted by John
Why would you think 9 months out of a 12 month policy would give you a years no claims?
Because it was a multiple of 12months since my last claim. As I said, my policy renewal and length of NCB was out of sync.
Passing the 9th month with tesco marked my 8th year of NCB over my car ownership.
If it worked that way you could be not insured for 8 years and get 8 years no claims.
I've been driving for all of that time though, so it's not quite the same.
A few years ago I started a policy, and the company had been sending all the documentation to the wrong address (new build estate, caused some confusion).
After three months or so I rang them to change something on the policy, and they claimed that my policy had been cancelled months ago as I wasn't responding to the final bit of paperwork After a few calls to their customer service, they accepted fault and accepted that they had fucked up - so they started the policy again from that date to last for a further 12months.
In effect, I ended up with a 15month insurance policy which means I have since been three months ahead of my NCB accrued, and when I finally came to switch insurance company I did it at a time which matched the renewal date of my original policy - thinking that they'd add the 9months to the 3months which they fucked up for me a few years ago... they didn't, so it cost me a year NCB - which in turn was £7 per year extra on my new policy.
Lotus Elise 111R
Impreza WRX STi
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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you get a years no claims issued after a full 12 month policy with no claim. it doesnt matter how long you actually go between accidents
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