OUTsurance & No Claims Bonus

T

Trying2BFrugal

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Hi folks, I went with OUTsurance for the first time after they gave me a very competitive quote for my car insurance. I was delighted.

However, the sales person for Chill followed up on the quote they gave me (which was significantly higher) and told me that i will lose my No Claim Bonus if I stay with OUTsurance next year. He said he “doesn’t know how OUTsurance are getting away with it”. Does anybody know anything about this?

I think he might be saying something like OUTsurance can’t give you a NCB unlike other providers and if you don’t have a NCB two years in a row you lose it. Sorry I can’t be more specific, I don’t understand what he was telling me and thought he might be trying a hard sell on me.

Hoping somebody can clarify, and if it is the case people should be aware of this.

Thanks in advance!
 
The Chill person is incorrect. The following is from Outsurance website:
"We will provide you with a full No Claims Bonus Certificate if you decide to leave us. This will include details of claims-free years with OUTsurance (or claim details if you have had a claim) as well as claims-free years with previous insurers. You will also continue to get credit and build up your number of Claims Free Years while you are insured with OUTsurance. This letter allows you to maintain your claims free record and avail of a NCD with future insurers."

Of course if you have a claim while insured by Outsurance you will lose your No Claims Bonus as they do not provide NCB Protection Cover. That's the gamble you take when insuring with them so they are not for those who are risk adverse.
 
Thank you so much Clubman and dammam! I was very suspicious at the time and I think that paragraph from the OUTsurance website is proof that the Chill guy was hard selling me and sowing FUD. He was telling me to get out of the policy before the end of the 14 Day period and everything. It’s so sad that he/they (Chill) have stooped so low. I have a good mind to warn Outsurance about this.
 
Trying2BFrugal said:
I think he might be saying something like OUTsurance can’t give you a NCB unlike other providers and if you don’t have a NCB two years in a row you lose it. Sorry I can’t be more specific, I don’t understand what he was telling me and thought he might be trying a hard sell on me.
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I am a bit concerned about this.

You have made a fairly serious allegation which you admit that you don't fully understand. So it could be mis-selling or it could be a mis-understanding.

I think you should notify Chill giving them the date and time of the phone call and the name of the person to make sure that the person is not mis-selling. They record all phone calls.

Chill is committed to providing all our customers with a high standard of service at all times. However, we realise that sometimes things may go wrong where you feel our service has let you down. You have the right to complain in such instances. You can phone, email or write to us with your complaint.

Phone: 01 4003400
Email: care@chill.ie
Address: Chill,
Complaints Department,
Ravenscourt Office Park,
Sandyford,
Dublin 18.

Brendan
 
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