NCB expiration.

sickofusernames

Just wondering, as I've never been without a car until now since I passed my test 17 years ago, how long my full NCB would last after not renewing my insurance.

I guess it only lasts a year at the most - anybody know?

FOrgot to add that I'm on my missus' insurance as a named driver on her car - would that still keep my NCB up to date so to speak?

vikingaero

Generally 2 years. Varies with some insurers.

warez22

Its 3 years with Aviva Insurance.

Also with Royal & Sun Alliance if you are named on your spouse's policy and have been claim free, they will offer duplicate ncd as that offered on that policy. This is only available through Brokers though - being a broker myself I have used this many times.

Hope that helps

skiddlydiddly

I had 2 lots of ncb and for me one expired after 2 years.

taffy056

If you can insure your wife's car under your name and her as a named driver, then when it is due for renewal do it the other way round, that way you keep both going.

cyclonebri1

taffy056 wrote: »

If you can insure your wife's car under your name and her as a named driver, then when it is due for renewal do it the other way round, that way you keep both going.

But that would technically be illegal as you would not be the main user ??;). Not saying I wouldn't but the op needs to be made aware.

Quentin

cyclonebri1 wrote: »

But that would technically be illegal as you would not be the main user ??;). Not saying I wouldn't but the op needs to be made aware.

No. This is bad advice. There is nothing "technically illegal" (what does that mean) at all about owning a car, insuring it but not being its main user.

A policyholder does not have to be the main driver at all.

dzug1

Quentin wrote: »

No. This is bad advice. There is nothing "technically illegal" (what does that mean) at all about owning a car, insuring it but not being its main user.

A policyholder does not have to be the main driver at all.

As long as the insurance company are aware of the facts

Quentin

skiddlydiddly wrote: »

I had 2 lots of ncb and for me one expired after 2 years.

NCB doesn't have an "expiry" date.

There is no universal rule about how "old" the NCB is - most insurers will take it up to 2 years old, some only 1 year, and the odd one 3 years.

cyclonebri1

Quentin wrote: »

No. This is bad advice. There is nothing "technically illegal" (what does that mean) at all about owning a car, insuring it but not being its main user.

A policyholder does not have to be the main driver at all.

Technically illegal is my polite way of saying "what you are doing is not legal"..Whether it's a major crime is another issue, which I assumed all could understand.

Bad advice does not come into it, if you insure a car in someone elses name when you are the main driver, which I think is the case here, you have no insursnce and are being fraudulent? or have my ethics got the better of me???

cyclonebri1

dzug1 wrote: »

As long as the insurance company are aware of the facts

Which they wouldn't be in this case.

Example;

Mr A, (driving on Mrs A's insurance), did you have this accident because you were unfamiliar with the controls?


"No, I drive it everyday", :eek::eek::eek: and that's a real life case.