No claims bonus? Help!?
Need some help on understanding no claims bonus.
I have been driving for 3 years since 23rd feb 2009.
I was insured with elephant for 2 years 11 months, at which point I cancelled the insurance and I got a van and insured with a van insurance company. I rang them up today to explain i have 3 years ncb now since its passed 23rd feb. They said i cannot get a discount or anything because i technically have 2 ncb as I cancelled the elephant policy before the year ended!
They said its based on a 12 month policy rather how long you've been driving for! WHAT?!
So this means i have now lost a whole year ncb! How does this make sence! I have been driving for 3 years without a single claim or accident sooooooo i have 3 years no claims discount!? lol
I thought, well, elephant know I haven't had a claim in 11months, van compare know I haven't had a claim for a month. not as simple as i thought lol
Whole thing is bullocks, well, if anyone has any advise, or help! be appreciated!