Car Insurance

hotrocks68

Hello people,

I was wondering if anyone has any knowledge on No Claims Bonus rules.Basically i have been abroad for a while now and therefore have not had a vehicle in the Uk for 18 months approx.I was prior to that insured with over 10 years no claims bonus.
I might be back in the Uk soon and therefore was wondering whether i have lost all those years of No Claims Bonus or,due to the fact i had no other vehicles or indeed not even been in the country that it might still somehow be valid.

Any help appreciated!!!

jaydeeuk1

I'm sure I read on here recently its 2 years, so you've got 6 months yet.

citykid5

hi hotrocks.most insurers will allow a lapse of 2years so you've got plenty of time to sort it out.aviva allow upto 3 years gap.i've just insured with esure with a 2 year gap no problem..ck

esmerobbo

2 years seems to be the norm. however I have heard if you go to your last insurer they some times allow more. Not 100% on that?

hotrocks68

Nice one,thanks alot.
One more thing(doh),is it possible to get cover for only 3 months or 6 months?

esmerobbo

hotrocks68 wrote: »

Nice one,thanks alot.
One more thing(doh),is it possible to get cover for only 3 months or 6 months?

It is but I would shop around a lot of the premium is the initial risk so short term polices can be expensive if compared month to month.

hotrocks68

Right then,thankyou for all the help.I shall now proceed to purchase a new vehicle.I rather fancy an Astravan..............but....................erm is that classed as a commercial vehicle and if so would i be able to carry 10years plus NCB???

Sorry to ask again:o