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Retaining no claims bonus while not driving.

rbulph
rbulph Posts: 547 Forumite
Part of the Furniture 100 Posts Combo Breaker
in Motoring
If you stop driving for a few years, can you still claim the no claims discount that you were entitled to when you stopped driving if you take up driving again a few years later, or do you have to start again from scratch?

Comments

  • ArsenalFC
    ArsenalFC Posts: 1,095 Forumite
    Most insurance company gives a period of upto 2 years without insuring in you own name, some others less. Morethan for example only let 6months without insurance.
  • saxmund
    saxmund Posts: 197 Forumite
    It used to be 3 years with Direct Line - I was without a car for a little over 3 years. When I signed back up with them they didn't give me any NCB but restored it in year 2. However this was probably 10 years ago now so practices might have changed.
  • Cumbrian_Male
    Cumbrian_Male Posts: 1,513 Forumite
    1,000 Posts Combo Breaker
    In general, if you don't hold insurance for more than 2 years then you are back to scratch.

    I was in a company car for 7 years, a letter from my employer got me discounts but not actual NCB. I have also found that being a named driver on someone else's policy can help, as I have been asked this when getting quotes.

    HTH
    I have a cunning plan!
    Proud to be dealing with my debts.

  • plane_boy2000
    plane_boy2000 Posts: 1,482 Forumite
    Not sure if this is legal or cost effective but you could insure a non existant car to maintain your no claims. Pick something in group 1 and insure it third party only with no value and the premium should be low
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