Free dealership car insurance & No claims discounts?

Jlawson118

I bought my car and insurance in August 2016. With a year's no claims discount, I renewed that this August just gone.

I'm currently in the process of looking for a new car. I visited Suzuki a few months ago where they were offering free insurance for a year. I'd like to pay for the car in full but they said for the insurance I'd have to finance it, but I could just pay it off early and it'd still count.

I personally wasn't keen on the cars that I looked at, but I'm going to start looking again over the upcoming weeks and hopefully ordering a brand new car. I'm wondering which other dealerships will offer the same kind of deal. I'm 21 so insurance is a big expense at the moment.

But I'm stuck. Say I ordered a car in the upcoming weeks and it was ready for me March time, my insurance would start then and run out at the same time in 2019. Whereas my current policy on my current car ends in August, which I would be cancelling as I'd no longer have the car. And by August I presume I'd have a second year's no claims.

How would that work? Would my second year's no claims end up being March 2019 instead of August 2018? But then even if I didn't cancel my current insurance, by March 2019 I'd be five months away from a third year's no claims. Assuming the dealership was offering free insurance?

So how would that work?

I'll just add that whichever car I choose, if the dealership are not offering this deal, then I'll just change the car on my insurance policy and carry it on until August. But I am going to see what kind of deals I can get

wgl2014

You would get the insurance on your new car recorded with the current no claims (2yrs). You don't get partial years or 'credit' so you would just get to three years when the policy ends.

Ectophile

Have a check on the small print about no claims discounts on any policy deals you're offered.

Many years ago, I had a fixed-price insurance deal on a car. But that policy had no no-claims discounts. So at the end of the year, when the price went up, I could not claim an NCD when I switched.