Received Churchill's renewal for the Niro few days ago-ca£346.
Went on to comparison sites and went with Darwin for £247.
Emails confirming policy, certificate, proposal, schedule, etc said no need to submit NCD record.
Looked up Darwin and it appears they are in the same group as Direct Line, Churchill, Privilege and Green Flag!
So they knew my record already, which must have included a claim for a new bumper made in March last year!
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