Full NCB defaulting to zero because of missed instalment?!

[nnXen]

My mothers currently having problems with her old insurance company. While she was with them, she accidently missed an instalment (first time in the 10 years she had used them.) They terminated the policy, and so my mother went to go renew it. I was sure she was paying over the odds anyway so convinced her to shop around and she went with another company. The new insurers want proof of her full no claims (never had a claim in 32yrs driving.) We got in touch with her old insurance company to obtain proof of her no claims, but the company declined saying that her NCB defaulted to zero because of a missed instalment.

 

Surely this can't be right? Any advice on how we should take this further?

[rebel11]

Hi nn

 

Welcome to CAG

The guys will advise as soon as they are available.

[alistair.long]

If this problem has not been sorted contact the Financial Services Authority, Or the Ombudsman.

They can't make it 0 if you miss a payment as you havent made a claim.

 

You need to call that company and get the no claims bonus for the year before (missing a payment means you cannot get a full year) and if they cannot do that then you need to make a complaint.

[nnXen]

If this problem has not been sorted contact the Financial Services Authority, Or the Ombudsman.

They can't make it 0 if you miss a payment as you havent made a claim.

 

You need to call that company and get the no claims bonus for the year before (missing a payment means you cannot get a full year) and if they cannot do that then you need to make a complaint.

I though as much. Unfortunatly because shes used them for the past ten years or so, they're the only ones aware of the NCB shes earnt (although we may have an old renewal form around somewhere that might state her NCB at that point.) i think i will have to contact a regulating body, because they just will not listen to us and consider our arguement invalid.

Thankyou for your advice.

[Wulfyn]

Have you made an official complaint (ie something with the word "complaint" in it)? That forces them to listen to your argument.

 

Are you paying by monthly installments?

[sir_gilmour]

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

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It can be bit confusing at first.