Substantial Reduction in car NCD

[Ptarmigan57]

When I renewed my policy with QuoteMeHappy in August 2022, I declared a claim with a different vehicle, not insured by Quotemehappy.

I also queried what NCD I would be entitled to on the (then current) policy ending August 2022. QMH confirmed it would be 7 years.

When I queried the premium on the new policy, that had reduced substantially in cost, I was advised that the previous claim with a different vehicle, not insured by Quotemehappy, had been taken into account.

I have just (April 2023) cancelled the renewed policy with QMH, as I sold the vehicle, and do not have a replacement. 

The NCD that QMH provided showed only 1 year of NCD. 

I queried this reduction. QMH have confirmed that because of the accident I had with another vehicle, not insured by Quotemehappy, and prior to the start of the latest policy my NCD was reduced by 6 years (I did not have protected NCD).

I haven't been in this position before, is this level of reduction normal?

[Ptarmigan57]

Thanks for the reply, much appreciated.

 

I have asked them to confirm they have a mistake, and they have restated their position. I raised a complaint, and have an email that represents a "deadlock communication" so my thinking is to go to the Ombudsman.

 

Apart from the 6 years reduction, what took me by surprise was that a claim on a different vehicle, with a different insurer, could affect this NCD.

 

[Ptarmigan57]

An update on this.

 

After a further 4 attempts to get Quotemehappy to listen, I finally received a response that confirmed that their previous position was incorrect. There should have been no reduction in my NCD due to a claim on another vehicle with another insurer.

 

All they have offered is a correct NCD which I now have received. I have requested compensation, and will see how that goes, not holding my breath.

 

In parallel I did raise a case with the FOS.