Renewal came in today, got all excited. Instead of no NCB, I suddenly got two years (accident courtcase been settled in July). Opened envelope.........WHAT THE F*CK......£654, they must be joking. Quick call...... Bod: ah, yes, we forgot all about the NCB. Me: then you must have forgotten that the difference in what I paid and what I have/had to pay for the coming year and last year is still owed to me? Bod: what? Me: then you must have forgotten that the difference in what I paid and what I have/had to pay for the coming year and last year is still owed to me? Bod: what? Me: I pay too much, now you pay me back Bod: ah, ok. I'll have to talk to Customer Service for that... dum dum dum (15 minutes) Bod: so what did you want money back for? Me: the difference in what I paid and what I have/had to pay for the coming year. Bod: hold on... dum dum dum (5 minutes) Bod: ok, I'll just give you a new quote, including two years NCB and you'll have to talk to the claims department tomorrow about your money back. You didn't claim with us, so it doesn't show up on my screen. Me: <sigh> ok Bod: ooooh, two years no claim brings it down a bit.......£309 Me: I accept Off to the phone tomorrow and see if I can get any money back, that was withheld because according to them I wasn't entitled to NCB, while I or the other party didn't claim. In the meantime I'm quite chuffed with this quote. Let's see what tomorrow brings