Car Insurance, no claims discount and SORN

TennisFan

Hello,
I am sure I'm not the first to encounter this situation so I'd be interested in other's experience/ advice :

- my 18 year old daughter has just completed her first 10 months of car insurance with Admiral and her renewal is due.
- she will be leaving the UK for 6 months in November

So I'm thinking :
- should I just insure her for 3 months until November and then fill in a SORN whilst the car is off the road and buy a specialist SORN fire and theft only policy? (Does Fire and Theft cover count towards NCD?)
- Is there any advantage in keeping her fully insured until she is back in the uk in order to build up her no claims discount? or are the costs likely to outweight the benefits? (will the insurance companies give full cover on a SORNed vehicle?)

All thoughts gratefully recieved.

Quentin

The insurer will happily give full cover on a sorned car.

Checkout if it's worthwhile though, as it's the first year's ncd that is the biggest % for a completed year.

InsideInsurance

In the old world NCD discounts used to be:
1 - 30%
2 - 40%
3 - 50%
4 - 60%
5 - 65%

These days insurers do tend to do things a little but more complex but as has been said the biggest difference is first year.

To see if it is worth it, go online and do dummy quotes with 1 years NCD and 2 years NCD and you can thus guestimate the saving -v- the premium (though remember to factor in the premium for FTO cover)