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  • FIRST POST
    • davidcook
    • By davidcook 18th Oct 16, 5:27 PM
    • 3Posts
    • 0Thanks
    davidcook
    Car Insurance - No Claims Discount Expiring
    • #1
    • 18th Oct 16, 5:27 PM
    Car Insurance - No Claims Discount Expiring 18th Oct 16 at 5:27 PM
    Hi,


    Have just joined and need some advice please.


    I have had a company car for coming up to 2 years now, so therefore have had no need to have my own personal car insurance.


    It's now coming up to the point (2 Years) without insurance and as I understand it, after this period my accrued NCD expires, I have 20+ years by the way.


    So what can I do?


    I don't really want to go to the expense of buying a car just to insure, but at some point I will want a personal car and I don't want to have to earn my NCD again.


    Suggestions would be greatly appreciated.


    David
Page 1
    • forgotmyname
    • By forgotmyname 18th Oct 16, 5:34 PM
    • 23,274 Posts
    • 9,174 Thanks
    forgotmyname
    • #2
    • 18th Oct 16, 5:34 PM
    • #2
    • 18th Oct 16, 5:34 PM
    Insure a car or risk losing it?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Aretnap
    • By Aretnap 18th Oct 16, 9:43 PM
    • 2,423 Posts
    • 1,899 Thanks
    Aretnap
    • #3
    • 18th Oct 16, 9:43 PM
    • #3
    • 18th Oct 16, 9:43 PM
    Are you married? does you wife have a car? If so you could alternate the policy on hers so you insure it one year, she insures it the next, and keep your NCD that way.

    Failing that some insurers will accept evidence of claim free years on a company car as a sort of pseudo-NCD and will give you a discount similar to that you'd get for a true NCD. You might have a bit more work shopping around than usual and you might have to make phone calls rather than just buy online, but the extra cost from losing your NCD needn't be as big as you might expect.
    • Morph4610
    • By Morph4610 19th Oct 16, 8:12 AM
    • 77 Posts
    • 24 Thanks
    Morph4610
    • #4
    • 19th Oct 16, 8:12 AM
    • #4
    • 19th Oct 16, 8:12 AM
    Assuming you're claim and accident free if you can provide evidence of both historical NCD and company car experience then a good broker should be able to negotiate a maximum NCD for you
    • davidcook
    • By davidcook 19th Oct 16, 8:30 AM
    • 3 Posts
    • 0 Thanks
    davidcook
    • #5
    • 19th Oct 16, 8:30 AM
    • #5
    • 19th Oct 16, 8:30 AM
    HI, no not married so can't switch insurances.


    Yes I am completely claim and accident free.


    Will talk to some brokers to see what they can do.


    Thanks for the replies
    • Quentin
    • By Quentin 19th Oct 16, 9:20 AM
    • 30,239 Posts
    • 14,325 Thanks
    Quentin
    • #6
    • 19th Oct 16, 9:20 AM
    • #6
    • 19th Oct 16, 9:20 AM
    Co-op (not a recommendation) currently accept 3 year old ncd.
    • Mr Poves
    • By Mr Poves 19th Oct 16, 9:10 PM
    • 211 Posts
    • 83 Thanks
    Mr Poves
    • #7
    • 19th Oct 16, 9:10 PM
    • #7
    • 19th Oct 16, 9:10 PM
    Co-op (not a recommendation) currently accept 3 year old ncd.
    Originally posted by Quentin
    I have 1st hand experience of this , saved me some hassle a few year's back .
    • csgohan4
    • By csgohan4 20th Oct 16, 8:24 AM
    • 2,518 Posts
    • 1,563 Thanks
    csgohan4
    • #8
    • 20th Oct 16, 8:24 AM
    • #8
    • 20th Oct 16, 8:24 AM
    get an old banger for a few hundred and then sell it on or scrap it. You don't have to drive it though.
    • davidcook
    • By davidcook 20th Oct 16, 12:52 PM
    • 3 Posts
    • 0 Thanks
    davidcook
    • #9
    • 20th Oct 16, 12:52 PM
    • #9
    • 20th Oct 16, 12:52 PM
    That is what I will do, if I can't get around it. It's just space is an issue to keep a car somewhere.
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