Missing NCB's

Debtworry_2

Hi all,

So for the past few years I have been getting car insurance but not using all my NCB as I wasn't sure how to get the details about them.

I passed my test in 1992, never had an accident and apart from a few years in the mid 90's where I never had a car had insurance since, I rang my previous insurer who tells me I have 13 years NCB, so thats from 2000' what happened to the previous years ? How can I tell how many NCB I really have ?

Thanks

kingstreet

NCD only lasts a maximum of three years if you have a period with no insurance. Therefore, you may have as much NCD as is currently shown on your existing cover, if you had a break.

Many insurers top out at five years, or nine years, so having more may make little difference.

I have thirteen years this year without a claim, but my insurer only uses nine. If I did have to prove it, I could, as I have three consecutive renewal notices showing nine years on file.

Hasbeen

Debtworry wrote: »

Hi all,

So for the past few years I have been getting car insurance but not using all my NCB as I wasn't sure how to get the details about them.

I passed my test in 1992, never had an accident and apart from a few years in the mid 90's where I never had a car had insurance since, I rang my previous insurer who tells me I have 13 years NCB, so thats from 2000' what happened to the previous years ? How can I tell how many NCB I really have ?

Thanks

Most insurers only give up to 9 years NCD discount.
NCD runs out if you do not insure again before 2 years is up.
If you want a yearly update ask your previous insurer to send when cancelling.
But as stated 9 years is usually maximum.
I have been driving for 40 years and have 9 years NCD?

Debtworry_2

Thanks for the replies, my insurance is so expensive and i'm 38 so was hoping that when I renew in August I could get it cheaper

InsideInsurance

Hasbeen wrote: »

Most insurers only give up to 9 years NCD discount.
NCD runs out if you do not insure again before 2 years is up.
If you want a yearly update ask your previous insurer to send when cancelling.
But as stated 9 years is usually maximum.
I have been driving for 40 years and have 9 years NCD?

Most insurers actually give a maximum of 5 years NCD, though they may display a number up to 9 years. A few insurers do give some form of credit for up to 9 years but this can be marketing ploy with the actual discount being less than what other insurers give for 5 years.

You have two elements, your claims history and your NCD. Your claims history will be clear because you've never had an accident/ incident and this you can continue to report as such.

If you havent moved the NCDs around each time you've switched insurers then you dont have X years NCD but instead a whole host of 1 year ones but any over 2 years old are almost certainly unusable. Normally you cannot "combine" NCD such that if you had 2 cars, one with 3 years and the other with 4 years NCD but then sold one you couldnt combine the two NCDs to then claim to have 7 years.

That said, if you can prove you have these series of one years, all showing continuous cover for the same vehicle you may find a sympathetic insurer that allows you to combine them but you will need to explain the situation to them first and get their explicit agreement.