I had good service from Allianz but on my 3rd year of insuring with them they demanded proof of NCD for the year: I sent Allianz their own letter confirming that I was not liable for an accident and consequently no claim had occured and that my NCB would not be affected. This was from their own employees on their own letterhead. This was judged inadequate proof of NCD even if it was from the insurer themselves. In common with most car insurers you are left with trying to 'prove a negative' meaning prove you have not had an accident. This is difficult. I questioned Allianz governance structure at the time but never got a reply or explanation. If they reject and disown their own correspondence there is a whole issue of what happens if you need to make a claim in the future. I felt very unsettled by this. I moved to e sure who were happy to insure me immediately without any of this nonsence and I recomend them (happy customer, not paid for review) . I also saved approximately £45 by moving. I have had several effortless renewals since then and will continue to use eSure to insure both my family and high end sports car.