New insurer not providing full NCB percentage deduction on transfer

I deliberation you are doing this wrong. Operative connection being, I think. I person not seen however you person arrived astatine your calculation of what should beryllium the magnitude of refund.

Here's what I would bash if I had to bash this calculation. Go to the insurer's website. Retrieve your security papers utilizing the argumentation number. Hopefully the alteration has been duly noted successful your argumentation by present (it takes a fewer days). First happening to spot is what is the NCB mentioned successful it now. If it intelligibly mentions 25% that means they person enactment it connected record. Next is to look into the calculations to spot however they person worked that NCB discount into your caller premium calculation.

Remember, you can't instrumentality the pre NCB premium magnitude for the argumentation and deduct 25% from it directly. NCB applies lone to the Own Damage portion, minus immoderate different discounts, taxes etc that are baked into your last premium. My take, and this is my idiosyncratic opinion, arsenic agelong arsenic your argumentation has 25% NCB duly showing up get a determination on. A fewer thousands (as agelong arsenic it's not obnoxiously high) volition ever hap arsenic they are not looking for your concern anymore. So they volition not use each the discounts and different discretionary rebates they would person different fixed you. However arsenic agelong arsenic they person transferred the NCB arsenic is you tin ever determination to a antithetic insurer adjacent twelvemonth who works retired to your advantage.

Burning excessively overmuch vigor connected this 1 volition conscionable footwear successful the instrumentality if diminishing returns, IMHO. :-)