A cautionary tale ---------
For many years I was with a broker. During my last year with them, the name changed, and since that time the office has closed. At no time during that period was NCD mentioned. It just happened automatically. With increasing premiums, and a new found confidence in modern technology, I then bought online. NCD wasn't mentioned at any time, just accepted on my declaration. The following year I used a second on line company, and again no mention was made of NCD. In July last year I bought and insured the old Spitfire, and yet again no mentions of discounts were made. Now I have the Arizona. Look online, select a company, make the declarations, and accept and am accepted for a years insurance. Next is an Email asking for proof in writing of NCD, and to supply this in three days. WHAT!!!!!!:?:
I replied stating the previous events. WHAM!!!!!
Another mail demanding proof or pay another £600 within three days or face cancellation.
After much difficulty, I phoned a nice man at the company concerned. He assured me that nothing happens in three days. Only after 28 days and several mails will cover cease. In a perfect world, one company automatically informs the next company, and the customer of NCD allowance. As we don't live in a perfect world, this is often ignored. The year on a classic policy carries no allowances either. I'm a little happier
Next step , locate and find contact details of the company prior to the classic policy. Make the call, and a young lady will post my proof of 9 years dated July last year, and that is acceptable to the new company.:skip
What a performance, possibly caused by my own trusting nature, naivety, stupidity, approaching senility, or whatever. Be warned though, and always ask for written proof at end of premium years. Save yourself a headache.