That's the point, some insurers don't let you "buy" NCB which is as it should be, I don't understand why you should be able to buy NCB, if you have 3 years on accelerator and reality 2.5 years, you're only claim free for 2.5 years, not 3. This is the problem I assume some insurers have with the whole thing (even if they offer the service a la NU)
It wasn't supposed to be condesending, I am just trying to get across the fact that NCB is key to insurance and the accelerators are more a con than a service to people since as has been shown, it's a way of forcing you to be loyal in an industry which (10+ years ago) relied on the same customers staying with the same company for decades, which new methods such as the internet, a significant number of people change yearly (or more often!)
If you earned NCB through an accelerator scheme, it's on the customer's part to declare that when purchasing insurance since stating you have got 3 years NCB is incorrect if you only have 2.5 and the insurer doesn't consider accelerators, as was experienced by Koa.
I will have been insured for 7 months when I stop driving again this sept. (or thereabouts) I won't be able to get another 5 months then claim I have an extra year of NCB because it doesn't work like that either, unless I found an insurer which accepted it.
As I have said lots, it's all well and good for elephant or whoever to tell you it's ok and provide you with a NCB certificate but if your next insurer doesn't accept NCBs earned over less than 12 months, it's not worth the paper it's printed on. This is why they should be informing people and have done to me whenever I have investigated them.
Again, even if you did prove an insurer told you otherwise (etc.) they can't give you a full normal years bonus since it's intrinsic to insurance, it's impossible to extend without actually extending it through earning it.
It wasn't supposed to be condesending, I am just trying to get across the fact that NCB is key to insurance and the accelerators are more a con than a service to people since as has been shown, it's a way of forcing you to be loyal in an industry which (10+ years ago) relied on the same customers staying with the same company for decades, which new methods such as the internet, a significant number of people change yearly (or more often!)
If you earned NCB through an accelerator scheme, it's on the customer's part to declare that when purchasing insurance since stating you have got 3 years NCB is incorrect if you only have 2.5 and the insurer doesn't consider accelerators, as was experienced by Koa.
I will have been insured for 7 months when I stop driving again this sept. (or thereabouts) I won't be able to get another 5 months then claim I have an extra year of NCB because it doesn't work like that either, unless I found an insurer which accepted it.
As I have said lots, it's all well and good for elephant or whoever to tell you it's ok and provide you with a NCB certificate but if your next insurer doesn't accept NCBs earned over less than 12 months, it's not worth the paper it's printed on. This is why they should be informing people and have done to me whenever I have investigated them.
Again, even if you did prove an insurer told you otherwise (etc.) they can't give you a full normal years bonus since it's intrinsic to insurance, it's impossible to extend without actually extending it through earning it.
