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NCB statement

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  • 30-11-2016 5:48pm
    #1
    CiniO
    Registered Users Posts: 16,063 ✭✭✭✭


    I know motor insurers are always issuing NCB statements by the end of policy term - during renewal time.

    Can policy holder request NCB statement at anytime during the policy period? |(f.e. mid policy)
    Is insurer obliged to issue that, and would there normally be any cost associated with issuing one?


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    #2
    biko
    Registered Users Posts: 81,220 ✭✭✭✭biko


    I don't know as I have never had to do this, but do update us after you have spoken to your insurer.


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    #3
    Cheensbo
    Registered Users Posts: 2,704 ✭✭✭Cheensbo


    My experience:


    Ive been insured with one of the main providers since June - carried full (6 year +) NCB into that policy - when I got a classic policy I was required to furnish my current cert of no claims,

    I requested this from the insurer but was denied it and only issued a cover note showing that I was insured since June and had no claims since then. The reason that they would not issue a certificate of NCB is because I have not been insured with them for a full year, neither would they issue a letter stating the terms of which I am covered - i.e. under a full no claims discount.

    To satisfy my classic insurer I then had to combine the cover letter from current insurer with the no claims letter from previous insurer - along with copies of insurance disc and certificate for both the current policy - and previous expired policy.

    So to answer your question - who knows.


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    #4
    Corvo
    Registered Users Posts: 3,698 ✭✭✭Corvo


    Yeah its pretty standard.

    However each insurer may have different charges - some none, some may be €20 etc.

    The insurer you mentioned is correct. They issue what they have for you so far on cover, you combine with the rest to show a continuous claims free period and produce it. Little bit more work alright, but obviously worth it when applying for other insurers - i.e. your classic policy.


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    #5
    CiniO
    Registered Users Posts: 16,063 ✭✭✭✭CiniO


    So just to update.

    I contacted both mine and my wife's insurers (2 separate policies/insurers) and requested those statements.
    Both insurers said there was no problem, that it will be sent in the post tomorrow, and none charged a penny for it.

    Both arrived within 3 days.
    Both very similar - state amount of NCB years, how many years policy was in force, and list all the claims (excluding windscreen claims). Both also contain a statement saying that policy is still in force and state expiry date.

    I must say I didn't expect it to be as easy as it was.


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