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FBD took my no claims bonus

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  • 02-11-2017 9:10pm
    #1
    twin27
    Registered Users Posts: 66 ✭✭


    Hi ive had commercial insurance with fbd on and off for the last ten years , n October 2015 I moved to zurich as they were cheaper , no problems there , I got a copy of my ncb from fbd and gave it to Zurich.
    In 2016 I moved back to fbd as they were cheaper.
    Now in 2017 I've moved to axa as they were cheaper, they requested my Ncb so I contacted fbd to forward me a copy of my ncb and they told me my last policy was rated on a ( non no claim discount earning basis) so basically they have deleted my full ncb without ever telling me .

    Is this legal or can anyone give me any info on what to do?


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    #2
    L1011
    Registered Users Posts: 69,013 ✭✭✭✭L1011


    Your 2016 NCB should still be valid as its recent enough; however you'd have to question how on earth FBD were cheaper on a non-discounted basis. Sounds like a severe clerical error.


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    #3
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    Request a statement of claims for each of your previous policies. It should look like:

    The XXX YYY was a policy holder between xx/yy/zzzz to yy/zz/wwww. There were XYZ claims recorded during that period. The details of the claims are: ....

    That should be enough of documentation to your current insurer.


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