How long does no claims last when not insuring a car ?

keykardan

Hi im new to this site and my question has probably already been answered somewhere but my partner has just bought a new car after haven not driven for 3 years he tried to get his proof of no claims from his old insurer but they say its invalid because he hasnt had a car for 3yrs is there anything he can do or is that that his insurance has now gone up from £50 per month to about £120

Phils_debt

When i started to drive again after 5 years off i had to start from scratch and was waiting for my 1st ncb the renewal came and they had made a mistake instead of saying 1 ncb it said 5 ncb .
thats a :money:

forgotmyname

Nothing, Except ask them to offer a discount. They will say yes or no.

Its expired and invalid. So starting from scratch again.

Glass_Half_Empty??

I have not had to prove in the past the fact I had x years ncd, and hope this time I wont as it has been just over two years I was only told about this today by a mate
Might have to try the same company that I had before and hope they dont send out a request for proof

Quentin

Glass_Half_Empty?? wrote: »

....Might have to try the same company that I had before and hope they dont send out a request for proof

Problems may arise if you find an insurer that doesn't ask at the outset, but during the course of the policy year. (eg after a claim by or against you).

Then you may find all this coming back to bite!

Especially if the insurer would never have had you in the first place with nil (valid) NCD!

property.advert

Direct Line gave me 2 years NCD after 1 year on policy. The introductory benefit was not listed separately.

On a separate note, say you take out a policy and cancel it after a month. You receive a pro rata refund minus a little administration fee and you have paperwork dated today that you have X years NCD. Would that start a new timeline from today ?