NCD over two years old

Feral_Moon

A relative is looking to buy a car and holds 3 years NCD which lapsed over 2 years ago (has had two other vehicles insured within the past two years but sold/cancelled policy before renewal date) so is struggling to find insurers that will accept this.

Does anyone know of anyone (other than Adrian Flux) that would accept NCD proof over 2yrs old please?

Quentin

Try co-op. (Not a recommendation)

rs65

Feral_Moon wrote: »

has had two other vehicles insured within the past two years but sold/cancelled policy before renewal date

Did he use the 3 years NCD on those policies? If so, ask the most recent one for proof of NCD.

Feral_Moon

Quentin wrote: »

Try co-op. (Not a recommendation)

Thank you, just spoke with one of their online reps and they accept NCD up to 3 years, so great news

Feral_Moon

rs65 wrote: »

Did he use the 3 years NCD on those policies? If so, ask the most recent one for proof of NCD.

The most recent one was on a van policy, hence having to switch before completing the 4th year of the car insurance. But the van was sold before the policy expired so never earned any NCD either.

lizziesharples

Another option is to go back to his last insurers, they will sometimes also accept no claims discount for up to 3 years too. Good luck!

Feral_Moon

Having contacted his previous insurers it seems the NCD was still valid anyway as it's less than a year since he last held that policy. All he has lost out on is an additional 2 years NCD due to switching/ending policies before they completed a full year.

He's actually been driving continuously for 6 years but only has 3 years NCD due to that, plus being a named driver on another policy for the past 10mths.

lizziesharples

All least that has resolved with some no claims bonus intact! Glad to hear it Feral Moon!