No claims bonus expiry

Coveredinbees!!!!

My wife sold her car and cancelled the insurance in September 09, the policy was taken out in December 08. As most insurers allow 2 years off without losing the no claims does she have to get insurance now, before the cancellation date or before next December. We're a bit confused but obviously don't want to lose 10 years worth of no claims bonus.

Quentin

You have the 2 years from the date of your proof - did you get a proof dated September 09? Then you have 2 years from the date of the proof.

If not you have 2 years from the date of the proof from December 08. (ie the date the policy was due to expire in December 08.)

Coveredinbees!!!!

The proof is dated 16-09-09 so she has 'til then, Thanks

Quentin

If you have another car, then you can preserve both NCDs by alternating the insurer each year until you want another car.

alee1984

Aviva will take NCB that have not been used up to 3 years. Your previous insurer may also do the same.

luci

alee1984 wrote: »

Aviva will take NCB that have not been used up to 3 years. Your previous insurer may also do the same.

I believe this is no longer the case and they have changed to 2 years the same as most other companies.

A broker may be able to find you a company that will take NCD up to 3 years.

Inner_Zone

The OP posts are over a year old. So even three years old lapsed NCD would now be expired.

itsonlyandy

Just to confirm, Aviva Direct will now only accept NCD upto 2 years old.