I have always had fully comprehensive insurance on all my vehicles going back to 1973. In that time I worked up to full no claims discount. In order to protect that discount I paid NCD protection payments. About four years ago I got rid of my last car and have not been insured for that time.
Today I am trying to get insurance for a car and, guess what? I no longer have any no claims discount - none! The insurance industry, you see, has a rule: If a person has not been insured for more than two years all their NCDs are declared null and void. The person to be insured is treated as a brand new driver. Years of accident free driving, which the industry knows about, count for nothing. Years of NCD protection payments count for nothing.
This action is, to me, exactly the same as the banks mis-selling PPI on loans. I was paying to have my NCDs protected when in fact they were not protected at all. I have had no protection from all the payments I made. I might as well have p155ed the money up against a wall.
According to my records Churchill had eleven years of these payments and yet their latest quote is one of the highest on the market!
Once I get the car insured later today I will be taking this up with my MP.
