Auto insurance corrupt

Insurance Ombudsman?

That wouldn't be my experience. Sure, things like a copy of driving licence and proof of no claims bonus are required by all insurers but if those details match what you entered on the forms then there shouldn't be an issue. I suspect there's a bit more to this though.

Anyhow, as stated above, the insurance ombudsman is where you go to complain but only after you have made an official complaint to the particular insurer and they have provided you with the result of their investigations into your complaint.

Never happened and it would be reported if it did

As a guess you are putting the wrong info in so when they check the information you sent in then the price goes up. Try again but fill in the correct information. You should be aware they have an insurance system which all companies share and can find out about crashes etc so lying doesn’t work

What are the 4 documents they asked you for that increased price

I'm sceptical of this whole thread. In order for multiple insurers to request the same documents, with a threat of cancelling the policy if the docs aren't provided, the OP would had to have been insured with multiple insurers. We aren't being told the full facts here.

Was the claim under a "protected no claims bonus" policy perhaps? Unfortunately a protected no claims bonus will protect your discount but the initial premium on offer will still increase due to the claim and increase in risk profile.

You said they wanted at least four items. What's the fourth document they wanted? And what other documents did they request?

So why are they asking for a doc they would not be aware of existing?

You are absolutely omitting something from the facts here. Both on your application and on this thread

You absolutely are - you said they asked for four documents, you've named three and even then, one of them is one they wouldn't know existed unless you'd given inaccurate information and hence couldn't ask for.

You made a claim so you now have a high quote on renewal. That's perfectly normal.

A claim by you on your own policy. Which you have done.

I think the issue here is that on-line quotes are based on certain assumptions ie that the requestor hasnt had a claim in the last 5 years. Im not suprised the price increases after the documentation is reviewed. Very few online quotes will allow you to put in claim details.

I had a claim in 2014 and couldnt get a quote with any one else for at least 3 years afterwards. If i put in details of my claim, the on-line systems said "we can not quote you please ring the office during normal working hours". Rang the office numbers and 2 companies said that new policies have to have a minimum of 3 yrs NCD post claim for them to quote. They more or less told me to come back in 3-4 years.

The other thing i found out that my protected NCD was only applied to my insurer at the time time. I was getting a 60 % discount due to a 6 yr no claims bonus but when i went to another insurer they only seen the 1 year post claim.

It begs the question, after telling you to come back after you had 3 years no claims built up, just how or where did they expect you to get the cover to enable you to drive for those 3 years??

Just this week I was speaking to a friend of mine who was telling me about a friend of her's who is from abroad and just back from a few months visit back home as her mother was sick. A few weeks before she left, she was involved in a slight collision with another car, with her being in the wrong. At the time, everything was OK, she admitted liability, the damage was very minor, small dent etc. She asked the other lady if everything was OK, was assured that, yes, everything is ok, don't worry. So, after giving all her details, she left, and a week or two later, left the country to look after her sick mother. She arrived back in Ireland about two weeks ago and went to renew the insurance. The quote came in at €3500. When she got over the shock, she rang the insurance and asked if they had made a mistake. No mistake they assured her, the lady whose car you hit lodged a claim for €50'000. And that as they say was that. No discussion, no nothing. Except that the lady who was at fault cannot afford to pay the €3500, and so is off the road, and she needs a car for work.

You've say you've never been in accident. Then you literally describe an accident that you had last year. If you are mislead the insurer, i'm not surprised it goes up.

why are they asking for proof of a discount that doesn't exist?

This is entirely because of misstatements in your application, made by you.

You had a claim. You have no NCB. You appear to have got a quote on the basis that you had not had a claim and had 6 years named driving experience. These are not valid, and hence the quote given will be much higher

Very few insurers will insure a 2004 car for a new customer. There is a thread in Motors listing those that will. However your cheapest quote is almost certainly going to be with your existing insurer in these circumstances.