Hi stivyxr4i,
I've been part of the Passion ford community for many years now (around 7 years) and i'm here as a point of liaison for members, which most long standing members are aware of and make use of.
On this occasion I’m struggling to understand what we are doing wrong here.
Our website and application does state that we require actual NCB in your own name to be used upon the proposed vehicle.
Within your post you provide considerable personal detail to back your driving history, but your record is not in question. You clearly have a good driving history which is really helpful to us when negotiating terms with our Underwriters.
All quotations are processed upon their merit based upon the information declared to us upon your application. But we wouldn’t automatically assume that you had zero NCB to use upon this vehicle where 19 years NCB had been declared as available to be used simply due to a limited mileage being requested.
Our £497 rate you quote within your post is based upon a modified cosworth model, including like for like modification replacement in event of repairable/replaceable incident, track cover option and a 14 day guaranteed hire car in event of a total loss/theft in addition to the traditional comprehensive cover benefits (windscreen, audio, European cover, courtesy car, £100k legal expenses, driving other cars extension etc) doesn’t seem uncompetitive, which is confirmed by you contacting us to proceed with cover.
The problem arose when you contacted us to proceed and advised us that the 19 years NCB declared as available upon the application wasn’t actually free to be used upon this policy.
If we are covering a sole isolated vehicle our Underwriters would require NCB to be used upon that vehicle.
In some instances, providing the 2nd vehicle is a performance model and there are no non-recoverable claims within the last 3 or 5 years (length of claim free criteria varies dependent upon respective Underwriter) we can mirror NCB to the second vehicle.
Your E90 330 BMW would qualify for the mirror, but we would need to cover both vehicles to do so.
Kind regards
Tony