How long before I lose my no claims?

SteveFTO

I have 9 years protected no claims but sold my car a while ago because I was doing so few miles on it.

I'm currently insured on my girlfriends policy as a named driver but my understanding is that after a period of time insurance companies can refuse to recognise or honour the no claims you have previously built up if you have not been insured as a main policy holder on a car for a while.

My question is does anyone know how long this period is and if there is any consistency amongst insurers - I had thought it might be as short as a year or two?

If thats the case then I'd prefer just to buy another cheap car and get insured on it then lose the full no claims I have built up.

mattymoo

IIRC it's as little as 2 years.

SteveFTO

hmmm feared it could be, thanks Matt.

Looks like it could be worth picking up a cheap run around to keep the NCD ticking over

flang

Before buying a cheap runaround i suggest you get a quote on how much it would be with no years no claims you might be surprised! it could work of cheaper to not have a car and loose the no claims then keeping a car running

anniecave

flang wrote:

Before buying a cheap runaround i suggest you get a quote on how much it would be with no years no claims you might be surprised! it could work of cheaper to not have a car and loose the no claims then keeping a car running

Agreed. My mum (who is almost old enough to retire) did have no claims bonus before she gave up work to become a housewife, and since then had only been a named driver on my dad's policy. A couple of years ago she bought a car, and even with no no-claims, her policy is still rediculously cheap. It's because she's older I guess, and living in a nice area helps.