No Claims Scam

[SyCD]

Just been looking at quotes for insurance and i have no no claims (Not been driving a year). thing is i typed in my details to see what it would be if i had 2 years no claims (Alot cheeper) and then it asked me if i wanted to buy the insurance and asked for credit card details to pay.

Do they actually check the no claims thing, if so, how?

Sy

 

[Lee]

You have to send them proof of no claims from your previous insurer. This is usually your renewal notice.

Dont even consider doing that.

 

[SyCD]

ok ta, just wondering.

Sy

 

[TheCake]

Quote: Originally posted by Lee on 16 May 2005

Dont even consider doing that.

Well said that man.

 

[DAVE_RSi]

they would write to you and say u needed to produce proof of the no claims

if you havent got it your screwed, theyd either cancel the insurance or charge you shed loads more for it

no chance of getting away with it

 

[TheCake]

thats Lee just said Dave - keep up.

 

[msa197]

TELL THEM THE TRUTH or you could be the one losing out

 

[Lee]

They will cancel the cover if they dont receive proof within a set time period. Mine once got lost under a pile of paperwork and they blamed me, then someone found it on there desk.

I was very worried as Id not been insured on a private car for over 2 years so that was my only proof.

 

[DAVE_RSi]

Quote: Originally posted by CupCake on 16 May 2005

thats Lee just said Dave - keep up.

i was just keeping it simple, for us simple folk

 

[TheCake]

lol ok Dave. ;o) Simple things, simple minds and all that eh... ;o)

 

[the_ferret]

i have never made a claim.... but i have never been asked for proof of my no claims.... odd as ive been driving for 12 years....

Im a bit worried now.. better start tracing back all those past insurers

 

[Maxx]

I know a certain company didint check/ask for prove of my ncd when I brought my insurance online

 

[the_ferret]

like i said ive never been asked... but i think that sometimes they ask for previosu insurer.. so they must get info from them.

 

[clio007]

there is a no claims bonus scam, but it will work if you are lucky,

a friend of mine did it with an insurance company, he had no ncb but he told the insurance company that he had 3 years, they didnt ask for proof so after the one year he was with the insurance company, he requested his proof, and they give him a piece of paper telling him he has four years ncb

i personally never try it though its dodgy as fook.

 

[jamieswales]

iv heard norwhich union dont ask for proof of no claims discount.

 

[clio007]

Quote: Originally posted by jamieswales on 17 May 2005

iv heard norwhich union dont ask for proof of no claims discount.

 

[Maxx]

Cant disagree on that

 

[McBunny]

yeah direct line didnt either but as all your details are held on computer is comitting fraud a good idea

 

[DAVE_RSi]

however if u ever need to make a claim they then might check it and if u dont have any or youve lied then your fooked, same as not declaring a long list of mods

 

[JoelDee]

LOL @ this thread

 

[badinvincible]

Quote: Originally posted by JoelDee on 18 May 2005

LOL @ this thread

Agreed, maybe I should post a thread "Is Burglary OK?"

 

[Clio1400]

Ive never been asked for proof of NCB.. ever.

But they WILL ask you if you make a claim, or have a claim made against you. Not worth scamming.

 

[Lee]

I dont understand how you lot have never been asked.

Every time Ive taken out insurance they send a self addressed envelope with the policy in which I have to send my renewal from my previous insurer to show proof of NCB. Maybe they are only really bothered if you have full and want to protect it.

 

[Clio1400]

No I dont have anywhere near full!

Im not yet 21.

Have never been asked and Ive insured bikes since 16 and cars since 17.

 

[DH_GTI]

wot if you worked for an insurance company and could get a headed all lookin good letter with renewal and all that on send it to your insurance and hey presto you have proof,



(ps i would not/never try this and not advising ne1 to do so)

 

[Clio1400]

Oh, and my parents never get asked and they have full NCB which is protected & guarenteed etc...

 

[Clio1400]

Quote: Originally posted by Davehughes on 18 May 2005
wot if you worked for an insurance company and could get a headed all lookin good letter with renewal and all that on send it to your insurance and hey presto you have proof, (ps i would not/never try this and not advising ne1 to do so)


Yeah but they can check - proof will always have policy numbers and contact details of the previous insurers.

I always get given proof, but never have to send it anywhere. I keep it incase they decide to randomly ask me for it!

 

[badinvincible]

Quote: Originally posted by Davehughes on 18 May 2005
wot if you worked for an insurance company and could get a headed all lookin good letter with renewal and all that on send it to your insurance and hey presto you have proof, (ps i would not/never try this and not advising ne1 to do so)


I hope to f**k you are kidding.

 

[Rick]

Quote: Originally posted by badinvincible on 18 May 2005

Quote: Originally posted by JoelDee on 18 May 2005

LOL @ this thread

Agreed, maybe I should post a thread "Is Burglary OK?"

Hey, its only illegal if someone finds out right?

 

[McBunny]

Quote: Originally posted by Rick on 19 May 2005
Quote: Originally posted by badinvincible on 18 May 2005Quote: Originally posted by JoelDee on 18 May 2005 LOL @ this thread [/QUOTE]Agreed, maybe I should post a thread "Is Burglary OK?"[/QUOTE]Hey, its only illegal if someone finds out right?

erm that will be a no