Car NCD cancelled after 2 years - advice

Amy_L

Morning all,

i have recently bought a car after not driving since 2010. i never realised that most companies have a 2 year expiry on any NCD built up. therefore, i presume i have no NCD.

Any ideas which companies do not have this 2 year expiry (if any). Alternatively, any work arounds to drastically reduce my premium? (I've never had to make any claims if that helps ...)

thanks!

citykid5

hi I think Aviva allow upto a 3 yr gap in ncd

asharon

its 2 years at aviva

rs65

Try the co-op.

dzug1

If you have some driving history - eg been driving a company car - you MAY be able to get some form of introductory discount. Try a High Street broker

Amy_L

thanks for all your suggestions.

yes, Aviva is two years, but the coop is 3 (my last policy expired in July 2010), which is perfect.

trying them for a quote as we speak .... Hopefully it'll be better a £1000 policy with no NCD!

Amy_L

rs65 wrote: »

Try the co-op.

Well, it was far more than my previous quote despite having the same information. However, it's drastically less than a quote with 0 years NCD!

Filip

Axa accept ncb up to 3 years

rs65

Filip wrote: »

Axa accept ncb up to 3 years

According to AXA website:-

Your proof of No Claims Discount must:
• show your name as the policy holder
• show the number of years No Claims Discount you are entitled to
• be issued by your previous insurer in England, Scotland or Wales
• be earned on a private car, company car, fleet vehicle, motorbike or mobility vehicle
• be less than 24 months old if earned on a private car
• be earned in England, Scotland or Wales
• be earned on a full UK or EU licence
• not be currently used to insure another vehicle.

hcb42

try the AA, they can search their panel, and someone will give an intro bonus

kingstreet

AFAIK the last two are Adrian Flux and Co-oP.