Has anyone ever used this?? My advice would be dont!! Just come to renewal time and they tell me that I cannot take my 9 months ("1 year") no claims to another company
Basically I had 1 year no claims bonus when I moved to NUD and took on a 12 month policy, giving me 2 years no claims, then come renewal I think "sod it Ill try the rapid bonus" coz they dont say that its not transferrable, surely theyd point out something so significant ... This year when it comes to renewal surprise surprise their 9 month policy is now more expensive than most others 12 months so I change over to Endsleigh and tell them I have 3 years no claims. They ask for proof of no claims, no problem, so i send them the renewal quote stating "33 months (Equivalent to 3 years NCD)" which ends up lost in the post
So I ring NUD and tell them I want confirmation of the NCD send in the post so I can resend it to Endsleigh and the woman says "Sorry but I cant send you confirmation of 9 months no claims, its not transferrable, and no other company will accept it". Hmmm, so what happened to the other 2 years...?? And why did your website never state this?? "Oh we have no record of you having 2 years. If you take on a 9 month policy it effectively starts from '0' and doesnt add to an existing bonus. I cant understand why youd go for a 9 month policy when you already have 2 years anyway, it makes no sense, its not designed for that."
At which point I point out their website states you can apply for a 9 month policy so long as youre under 29 and have less than 4 yrs NCD. No answer. "Im sorry Mr Yates, but had you rung us instead of purchasing via the web we would have informed you of the possible implications"
To which I reply "Excuse me?! So youre saying its my fault?!" and the bint says "Yes...", I couldnt believe the cheek of her!! so why allow you to purchase via the net anyway?!?!
Thanks to their "rapid bonus" ive now rapidly lost 3 yrs no claims! What the hell do I do now?! Im just praying my proof of no claims on the renewal form will miraculously reappear soon else Im stuffed!
Sorry for the long rant guys, anyone else had a similar experience?