Car Insurance 'Holiday' coming to an end

Grumpy_Old_Duffer

3 years ago I sold my own car as I had a company car. At that time I was informed by my Insurance Company that I could have a '3 year holiday', whereby after 3 years I could carry-on my insurance and retain my full protected no claims discount.

The 3 years are up in August and I still have a company car. The Insurance company have informed me that I can only 're-start' my policy, with the full protected no claims discount, on a car that I own, meaning I would have to buy a car. I thought I might be able to take a policy out in my name on a car owned by my daughter (she has her own policy insurance), but I can't do this as my insurers have informed me you can't have 2 insurance policies on 1 car.

As I feel the Insurance Call Centre operator didn't sound too confident on the answers she gave me, is there an alternative way I can re-invoke my policy (without having to buy a car) to retain my protected no claims discount?

I haven't made any Insurance claims with the Company car insurers.

With only 5 years to go to retirement I could do without having to pay Car Insurance in 5 years time without any discount!!!!

scope

Could you not combine your old NCD and your company car NCD? I had a company car for over 5 years, and when I bought my own car Direct Line let me have full NCD based on the company car NCD - all the wanted was a letter from my company confirming I had had a company car and any accidents.

I am sure more companies let you "carry" over your company car NCD to your own private insurance.