No claims with company car, question

Swafe

Hi guys,

I've asked a few people but I'm unsure of where I stand on this

I have 2 years no claims - after my policy expired I got a new job and had a company car, which I havn't claimed on for another 2 years

My question is, do I have 4 years no claims now? Or does the company car insurance not count? Do I only have the 2 years I accrued on my private car, if this is the case, if I keep my company car whats the best method of keeping the no claims alive without spending too much, I understand no claims expire 2 years from the end of your policy if you do not insure another vehicle, and I'll be coming up to the 2 year deadline shortly, will I be able to keep it alive, and is there any way to combine both policies so I have 4 years in total without it running out

Thanks

Morph4610

Swafe, first rule of thumb is that a no claims bonus from a previous policy will be useable for up to 2 years typically. Your company car experience doesn't automatically add another 2 years I'm afraid. Sounds like your still driving your compnay car anyway. Key question is who will be the main user of your additional private car? It it's you (especially if you're the nly driver) then you old NCD plus a letter from your company car fleet insurer should help you negotiate a good deal (would suggest with a broker). If the main user is some one else then your NCD and experience isn't really part of the equation. It'll be down to their NCD entitlement and experience. Hope this helps

Swafe

Hey, I no longer have a private car - I sold it once I got my company car as it was no longer needed so I've just been running my company car now for coming upto 2 years, I'll be keeping my company car for the coming future however I was just wondering what my situation would be if I was to give my company car back and insure a private car again.

Are you saying that ff I request a copy of my NCD, will this still be taken into account if my 2 years have lapsed if I've got a letter from my fleet provider to prove I havn't lost it through a claim?

withabix

Most insurers will count the two years driving a company car, PROVIDED that you obtain a letter from your company's insurer confirming your claims history.

If you have proof of NCD from the previous insurer and there was no significant gap (more than a couple of months say), they will count that as well.

I did this when I moved from company car to car allowance + own car, transferring 8 years NCD.

At renewal, I changed insurer (as you do) and received a proof of NCD covering the 8 years + 1 year from the insurer.

Swafe

top stuff, ill request a copy of my no claims then just incase, i suspect most insurers wont accept it if its out of date, but if i can find one that will would be top stuff

forgotmyname

Online quotes will probably be useless to you, As you will have to say you have zero no claims.

As above a broker for the 1st year, It maybe a bit dearer than you may want but, After that year you might get a renewal saying 3 years no claims.

You need to ask that, If at the end of the term will you have 1 year or 3 years.