📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Retaining no claims bonus while not driving.

Options
rbulph
rbulph Posts: 547 Forumite
Part of the Furniture 100 Posts Combo Breaker
If you stop driving for a few years, can you still claim the no claims discount that you were entitled to when you stopped driving if you take up driving again a few years later, or do you have to start again from scratch?

Comments

  • ArsenalFC
    ArsenalFC Posts: 1,095 Forumite
    Most insurance company gives a period of upto 2 years without insuring in you own name, some others less. Morethan for example only let 6months without insurance.
  • saxmund
    saxmund Posts: 197 Forumite
    It used to be 3 years with Direct Line - I was without a car for a little over 3 years. When I signed back up with them they didn't give me any NCB but restored it in year 2. However this was probably 10 years ago now so practices might have changed.
  • Cumbrian_Male
    Cumbrian_Male Posts: 1,513 Forumite
    1,000 Posts Combo Breaker
    In general, if you don't hold insurance for more than 2 years then you are back to scratch.

    I was in a company car for 7 years, a letter from my employer got me discounts but not actual NCB. I have also found that being a named driver on someone else's policy can help, as I have been asked this when getting quotes.

    HTH
    I have a cunning plan!
    Proud to be dealing with my debts.

  • plane_boy2000
    plane_boy2000 Posts: 1,482 Forumite
    Not sure if this is legal or cost effective but you could insure a non existant car to maintain your no claims. Pick something in group 1 and insure it third party only with no value and the premium should be low
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.