YOU KNOW THEY IS A PROBLEM ,WHEN PEOPLE PUT IN 0 [ZERO] NCB ,BE WISER INSURANCE ,PUTS 9 YEARS ,AND THEN ASK FOR PROOF ,YOU HAVE NONE SO THE POLICY IS CANCELLED ,, MY MONEY LOST ,,,,,,,,,GO COMPARE YOU KNOW THIS ,,,,,,,WHAT IS IT YOU GETTING A NICE KICK BACK FROM THEM I BET ,,,,,,