[davyk31]

What checks are there in place with Insurers as regards your NCB. THey say you need to produce documentary evidence and that it can't be used on two cars but how do they police that it isn't used on two cars.

I have an NCB from a second car and I'm about to buy a second car again so I'm covered ok but just wondered what stops someone re-using their NCB on another car?

[gaza01]

Insurance companies trade yr info so they can check it on what would effectively be a central data base

[davyk31]

Yea but how do they know if someone has 1 or 2 no claims bonuses?

[IanS100]

If you make a claim they check & if you've been telling porkies you'll be in the sh1t

[davyk31]

Originally Posted by IanS100

If you make a claim they check & if you've been telling porkies you'll be in the sh1t

I can't imagine they are as relaxed as that, otherwise given most people don't make a claim the corruption could be rife.

[MEGA]

Both of your insurance policies would be void if you do this. The MID *will* flag it up.

Try it if you like, but if you get 6 points after being stopped: Or full liability on both sides of an expensive insurance claim, then enjoy it.

Insurance companies are perfectly happy for you to fraudulatly buy insurance in my experience. They take your money, and when you try and actually use their product simply refuse to pay out. It's win win, what's not to like for them?

Another good example of this is fronting.. It's pretty damn obvious if a 17 year old owns an M3, then his mum turns up to buy insurance on it and puts him as second driver, what is going on. But they'll let you buy it. Then when said 17 year old wraps the car around something he's out 30 grand as the policy isn't valid. Insurance company makes their money so why would they care? If they refuse the policy they don't make anything.


When buying insurance you agree to terms and conditions regarding fraudulent applications and the checking of the MID for any issues. This may be done at any time during the life of your policy not necessarily just at the point it is taken out. You've agreed that you may not be paid in the event of a claim should you have been telling porkies: So it's your own problem after that.

Dave

[chris_s1]

What he said.

Checking is minimal and you'll only get shafted if you make a claim and they re-check. I got 5 years NCB when I started a policy based on my company car history and they accepted a hand written scrawl on a compliments slip from my fleet manager and I know for a fact they didn't check that.

[zltm089]

Insurance companies are a bunch of thieving cocksuckers. Even, when everything is all "legal" and all paperwork in place, they will always try not pay a claim or even dispute the amount to be paid etc..There will always be some bullshit excuse with them...valuations trade in/ private/ market/ glass guide value and all that bollocks...

I wouldn't risk it and get everything in writing..

[m@rk]

Easy

The proof they ask for is your renewal notice from your previous insurer.

That will have a renewal date on it and also the registration of the car being insured.

If you are coming along with a different car then the chances are that the date you want the insurance to start will be different and of course the reg number will be different. Enough to make them look twice and start asking questions.

Even I can check if you renewed the insurance on the car carrying the NCB so I am pretty sure the insurance company can too.

[davyk31]

Well done Mega for not reading or not understanding my message .............

I have TWO NCB , I am simply asking the what if question.

[RandomGuy152]

Insuring a second car usually carries substantial discount if using the same company. Most underwriters will slash premiums if the proposer is in regular use of another vehicle.

A copy of the documentary evidence (and the details on it) for NCB is kept on file for the corresponding policy. Attempting to use the same evidence twice for different policies may flag up a conflict on their system and leave you with some explaining to do when they attempt to deposit the evidence on the second policy. This depends on the diligence of the staff working there or the meticulousness of the computer software.

[RandomGuy152]

Originally Posted by MEGA

Another good example of this is fronting.. It's pretty damn obvious if a 17 year old owns an M3, then his mum turns up to buy insurance on it and puts him as second driver, what is going on. But they'll let you buy it. Then when said 17 year old wraps the car around something he's out 30 grand as the policy isn't valid. Insurance company makes their money so why would they care? If they refuse the policy they don't make anything.

Why would the policy not be valid? If the young boy was a named driver on the policy schedule and had an accident, he is legally covered and they must pay out.

Even if the mother is not the main driver and fronted for her son, the insurance will have to prove the 17 year old is the main driver before refusing to pay out or they are violating their contractual obligation.

It is the insurers responsibility to state the stipulations for the named driver if they wish to limit their use of the vehicle and they must have evidence of this either in writing or in recorded phone calls as agreed at the time of selling the policy.

Some insurers calculate the premium based on the highest risk driver, irrespective of usage.

"Johnny can drive mums M3 on Saturday evening between 20:00 to 23:00."

Now, if Johnny hits a tree at 23:02 ...they can refuse. At 22:59 ... they cannot refuse and they should be sued for every penny if they do.

[Sir_Pigley]

My wife is with LV. When we bought a replacement car before selling the old one I took out a new policy for the new car (so theoretically I have no NCB to transfer because it was already being used on the existing car). They gave us the same level of NCB on the new policy as the car that was already insured with them.

As a footnote: as a result of how good thier service was I moved my insurance to them when it came up for renewal. Just goes to show how good customer service results in more business.

[RCUK]

2 rules in life:

1 - dont lie to your mum
2 - dont lie to insurance companies

If u get caught lying to either, prepare for all hell to break loose!

[detachngo]

I had a few years where I had NCB running on 2 insurances purely by accident. When I realised I cancelled one of the insurances. If I didn't notice I don't know if the insurance companies would have, but I didn't think it was worth the risk.

[J Dub]

unless I am mistaken standard questions on an insurance quote are, do you have access, use or own another vehicle, if so please give details, so unless you lie, you say yes I have another car, I am sure at that point it would flag alarms for them to double check. Maybe they don't, but to me that question is loaded and allows flags to be added, in a positive way, yes they have another motor so this one may not do so many miles, cheaper, in another - watch out for double NCB use!!

Just my thoughts as them computer systems they have these days are pretty smart for storing and cross checking data

[Mrsammyp]

There is currently no way for insurers to police the use of NCB, however there is a system in development which afew insurers have already signed up for which will in the future share NCB information.

We used to get hundreds of NCB in a day, the admin guys litterally ticked a box to say they had seen proof of it and the original went straight in the shredding box!

[AlanYoro35i]

Originally Posted by RCUK

2 rules in life:

1 - dont lie to your mum
2 - dont lie to insurance companies

If u get caught lying to either, prepare for all hell to break loose!

Rule : 3 never to wife, if found, a sasuage might be lost.