When does a no claims bonus "expire"?

GSD4ME

My OH and myself have always insured 2 cars, both with max no claims bonus. About 2 years ago one car died and we have had only one since then. Now we wish to get a second car.

As I have not used the no claims bonus on the second car insurance for 2 years or so does it still exist or will I have to start again from scratch?

Thanks

Coveredinbees!!!!

I had the same trouble once, some places allow 2 years off and others 3 so you should be OK still, you might need to go to a broker.

Gloomendoom

I was told two years. However, I also remember being told that I could 'register' my no claims bonus so that it would last longer. Maybe you could query this with your current insurer.

knightstyle

Direct Line gave me back my NCB after a break of 6 years!

Quentin

knightstyle wrote: »

Direct Line gave me back my NCB after a break of 6 years!

Was this a "special" just for you for some reason?

They now have this note regarding bringing them "old" NCB:

N.B. This no claims discount can only be used on one policy at any one time, and must have been used on a policy within the last two years.

kwaks

2 years is the industry standard, although in reality this can be negotiable.

reduceditem

Inquire with your last insurer first, they might well be happy to give you all the no claims.