Hello, I'm basically locked in with my insurer to try and get my NCB out of them for use on a Flux policy. Here's a timeline of events, I'm basically after advice on what to do.
August 2015 - Bought Micra, insured it as my girlfriend main driver me as a named on provisional.
September 2015 - I passed and we updated our policy so I could drive home from the test centre.
December 2015 - I was driving the car more by this point, so my girlfriend & her mum phoned up and changed me to a main driver and my girlfriend to a named.
Early December 2016 - Someone crashes into my 180sx (same insurer, different policy, not a multicar). Basically lose my NCB for this car here, so ignore that.
Late December 2016 - Renewal letter flops onto MY doormat for the Micra. Not my girlfriends.
April 2016 - I phone up to get my proof of NCB after coming off the phone with Flux and this is where it all starts.
Elephant say because I was NOT the policy holder, I do NOT have an NCB. Instead I have a named driver NCB which they have provided proof of but Flux will not accept. So how can this be? We've changed ourselves around in December 2015 and I'm 99% sure we paid to do that (will have to check with girlfriends mum). Elephant are stating my girlfriend has the NCB as she was the policy holder, despite her not driving the majority of the year and myself having the renewal letter in my name and address. So now my policy with Flux pretty doubles in price for next year and it looks like I can't afford it all because of Elephant being morons withholding a legitimate no claims bonus.
Can I beat my head on the wall now or later?