No Claims Bonus

[weeal]

Just a quick question, if I sell my car and dont buy another for a while, do I say bye bye to my years of NCB? not sure if you can have a gap or not

TIA

Al

[factor-fiction]

I'm sure you can keep your NCD

[weeal]

Oh goody !
Thanks factor30

[DickieBrakelight]

I think that when you take out a fresh policy your NCB is verified by your last policy - you send them proof that you had X years and they accept that so none is lost.

[weeal]

Cheers Dickie

[methyl]

While your insurance policy is still current, ask for a "statement of no claims". It can take a couple of weeks to arrive.

[eash]

I went travelling so didn't have a car for a while and lost my NCB and had to start all over again :-(

[weeal]

Good idea Methyl

Eash - thats a worry, duff insurer maybe?

[Hopkirk]

I think they normally accept it for two years after the policy expired.

[Buenchico]

I've had a gap without driving (and hence without insurance). As Hopkirk indicates, I was told that my NCD remained valid for two years.

Chris

[craft1948]

I did well then.......I didn't have a car for 4 years at one time. I went back to my old insurers and they let me keep all my no claims.

[ayabrea38]

I would ask your insurance company.They may offer you a deal of 4 years to get you back!

[cc1]

Most companies allow 2 years, it's the reason that, now we are a 1 car couple, we reregister the car every 2 years, it seems very unfair, we were on each others insurance for 40 years and have never made an at-fault claim!

[trailertam]

My father is 87 and car is registered in his name. My mother had always been named driver but has noinsurance or NCD in her own right, Insurance Company say when my father stops driving, mother will be able to obtain insurance in her name with full NCD.

[weeal]

Thanks a lot all of you.
I'm with M & S this time (was cheaper) so they may be quite good .