Esure and "letters of claim experience"
 

Hi folks,

Just tried to call Esure and get "letters of claim experience" from them to prove to Johnsons in Canada that I have a clean driving record.

This is to show I have a clean record and not just protected no claims ( which I also have).

However, the man I spoke to at Esure has no idea what I wanted and just kept referring back to my proof of no claims which is not good enough for johnsons apparently.

Anyone had any idea what I should ask for? Alternately, does anyone know of an insurer in Alberta who will access my proof of no claims as it is?

Thanks

Oli

Re: Esure and "letters of claim experience"
 

Hi there,

When I came over I just brought all my Proof of No Claims letter, which was just my renewal letters from my insurer back in the Uk. My Insurer here in Nova Scotia was more than happy with that.
Hope this helps.
Julie

Re: Esure and "letters of claim experience"
 

I have been getting proof of no claims and references from car insurance companies past and present. I asked for a reference stating the dates I was insured from/ until, and that I had no claims or accidents during the insured period. Most companies have carried out my request no problem, a couple of them just sent out proof of NCD, however, when I asked them again explaining I was moving to Canada and would be classed as a new driver without proof of insurance etc. they when sent a reference with the info I requested.
I have been able to get proof of ins. for myself and my wife going back to 1996, one company even listed the cars I had insured with them!
May be a bit OTT, but no Canadian Insurance company can question my driving history, and clean claim record.

Re: Esure and "letters of claim experience"
 

I guess I could write to each of my insurers but I'm not sure I remember who they all were :D I have always moved my insurance each year so to do this would be a real pain!!

I'll try esure again and see if they can be more helpful. I think it will be easier if I can find some who just accepts my proof of no claims as sufficient...

Re: Esure and "letters of claim experience"
 

I was fortunate that I had been insured through the same broker for 8 yrs. and with two other companies the other 4 yrs.

Re: Esure and "letters of claim experience"
 

We was with esure and thought we may have to do the same but the company accepted our form stating how many years we had no claims

Re: Esure and "letters of claim experience"
 

We just used the no claims letters from Admiral and Elephant - also swapped insurance every time we renewed. That was fine.

We didn't do it, but another idea might be to get your driving record from the DVLA - this will show no driving offences, etc. which might be useful. Kittykerr has posted about this, it costs something like a fiver - look up his posts for more info.

Re: Esure and "letters of claim experience"
 

we have rang roung our last 5 insurers, upto about 8 years ago, all of them sent us letters saying insurance period and no claims during the period stated etc, so thats something we have sorted out:thumbsup:

Re: Esure and "letters of claim experience"
 

As per Biiiiink's reply - Esure cannot prove that you have a clean driving record. Only DVLA can do that.

Get Esure to write a proper "Dear Sir/madam" letter outlining that you have had made no claims since you have been with them since 20XX, or whatever date, and that you have always paid your premiums in a timely manner !

Then get a copy of your DVLA record.

:)

Re: Esure and "letters of claim experience"
 

I got my drivers record the other day - interestingly it only states "court notification", not what the offence was (in my case a SP30 - speed camera). It says that there's no endorsements on the license, presumably because this was over 5 years ago....

I can barely make sense of it, so I'll be surprised if it's of any use to anyone in Canada....

Re: Esure and "letters of claim experience"
 

Don't write to esure at the usual address, write to them at
esure,
The Observatory,
Castlefield Road,
Reigate,
Surrey,
RH2 0SG
Mark it for the attention of Customer Services and explain exactly what you need. Be sure to tell them that the normally worded letter will not work.

By calling the call centre you get the guys who can only send you the standard computer generated letter. In order to make it foolproof they can't normally write their own letters - scared of falling foul of FSA regulations by what someone might write!

ok - I admit, I worked for them for 6 years, a great company to work for I might add.

BTW, after writing to Post Office Insurance twice, we still haven't had any reply from them :curse:

Re: Esure and "letters of claim experience"
 

In BC you will need a letter that states that you had:

no accidents, made no claims and no one made a claim against you between the dates you were insured with.......

They told us proof of no claims is not good enough as in UK you have protected no claims so they actually told us the above is what they wanted to see in writing.

They also refused one of our letters because it did not state husbands full name it only had his initials on it. :thumbdown:

Re: Esure and "letters of claim experience"
 

Okay, during the weekend my clever wife managed to find all my old policy details so I have just spent this morning calling insurance companies!!

As previously mentioned, Admiral knew all about it and even found my old policy which I didn't have the policy number.

Screentrade were a bit more painful but hopefully I got there in the end.

Esure had no idea but after about 10 minutes of explaining what I wanted it seemed okay, got put through to customer services. He wrote a letter but he had to get someone to in admin to actually print it out because he was not allowed :) Interestingly he could also do my Sainsbury's insurance since they are Sainsbury's underwriters.

Now my only concern is that I made a windscreen claim a few years ago which I forgot about. Is that going to cause a problem?

Thanks

Oli

Re: Esure and "letters of claim experience"
 

How long do the letter stay valid for? Cos if you get letters now and move in say a couple of months time, they could say, "well, you could have had an accident in the two months after the letter was written" :curse:

Re: Esure and "letters of claim experience"
 

As I understand it the letters are for previous years not your current insurance therefore these won't change. e.g 2005-2006. This is to prove you did not have a claim during these periods.

Obviously you could have an accident on you current insurance and that would not effect the letters which occur in the past.

If you did have an accident I would admit it though rather than trying to blag it, nothing worse than paying all that money and you insurance being invalid.

As I said in my previous post, i'm also interested in what Canadian insurers class as a claim. Is a windscreen fix a claim? What about vandalism ( some uk insurers don't class that as a claim now). Depending on what happened and whether Canadian insurers class it as a claim you might have nothing to worry about anyway :)

Cheers

Oli