Hi
We have just come accross the following situation with Elephant - a client was bemused to recieve renewal details after just 10 months not twelve.
On querying it we were told that was the "norm" and that the policyholder would be accruing a full 12 month NCB.
However, the cost is such that any advantage is more than wiped out by the lack of a full 12 months cover.
The guy is certain he was not told the true facts but on looking at the certificate and schedule of insurance it is quite clear that it is a 10 month policy.
So be warned - getting cover on the net is OK but check what you are getting and CHECK THE DOCUMENTATION when it arrives. The mistake here was this guy just filing the papers without looking at them.
We have just come accross the following situation with Elephant - a client was bemused to recieve renewal details after just 10 months not twelve.
On querying it we were told that was the "norm" and that the policyholder would be accruing a full 12 month NCB.
However, the cost is such that any advantage is more than wiped out by the lack of a full 12 months cover.
The guy is certain he was not told the true facts but on looking at the certificate and schedule of insurance it is quite clear that it is a 10 month policy.
So be warned - getting cover on the net is OK but check what you are getting and CHECK THE DOCUMENTATION when it arrives. The mistake here was this guy just filing the papers without looking at them.