motor insurance

smudger1946

Hello All,
I have just sold my car and cancelled my car insurance.

I now drive my partners car as a named driver.

I seem to remember hearing somewhere that if one dosen't have motor insurance for some time, you lose your NCB, my NCB is at the maximum and i may want to have my own insurance sometime in the future.

Any advice wou ld be appreciated.

Smudge

Premier_2

smudger1946 wrote: »

Hello All,
I have just sold my car and cancelled my car insurance.

I now drive my partners car as a named driver.

I seem to remember hearing somewhere that if one dosen't have motor insurance for some time, you lose your NCB, my NCB is at the maximum and i may want to have my own insurance sometime in the future.

Any advice wou ld be appreciated.

Smudge

Yes, you can only use NCB from a recent policy.

Most insurers need this to be within 2 years of expiry of the previous policy, although the odd few may go to 3 years.

If you need to start again, insurers may allow you an introductory discount, especially if you have been regularly driving (without claim, accident, etc) as a named driver on anothers policy

savvy

Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere (please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [EMAIL="forumteam@moneysavingexpert.com"]forumteam@moneysavingexpert.com[/EMAIL].

Quentin

smudger1946 wrote: »

Any advice wou ld be appreciated.

If you are "formal" partners, and you find insurers that allow it, (because of the ownership issue), take turns in insuring the car each year thereby preserving both sets of NCD.

smudger1946

Many thanks to you all, what a great wealth of info on here!

smudger