Expired NCD + company car years. Which insurers would offer something?

Jamestysoe

so basically I’ve always driven a car and up until 2016 I had 9+ NCD on private motor insurance. I then since have been on a company car and obviously the 2 years has passed with the NCD. I have never made a claim and always driven and clean license etc. 

Are there some insurers that will take all of this into account and offer something better than starting on 0 NCD. I have proof of my driving history too but I know sone insurers won’t budge on the 2 year thing. 

Any help would be great and any insurers people know would offer something

Jonesya

You should certainly have some no-claims, if only from your company car, some schemes will issue you a letter confirming duration of membership, that no claims were made etc. Have you tried your fleet team to see what they do?

Once you've got that proof of no-claims from the company scheme, I'd go and speak with your last insurance provider with your evidence of past no-claims and current no claims and see what they will do.

I had something similar many years back and while I couldn't get my last insurer to combined the two periods of no-claims, they were willing to accept the private insurance no claims even though it was more than 2 years old. You might be able to shop around with the letter of no claims from the company scheme.

Jamestysoe

Yeh this is what I’m hoping. Just hoping there are some insurers people know of who would take it into account as some are just a straight no. I don’t want to go through every single insurer haha if people know some would be better than others. My previous insurer who was Hastings won’t honour anything. Adrian flux I’ve heard could be good. Just wondering if there are any others.

such a pain this is and think they really need to change this for people like myself with clean driving history and no claims. Been driving nearly 20 years!

chrisw

You're probably better off speaking to an insurance broker, either a local one or one of the biggies like Adrian Flux. They will have come across this situation many times.

marlot

It was a few years ago, but I rang my wife's insurer (was named driver on her policy) and they gave me the equivalent of full NCD.

Scrapit

Jamestysoe said:

so basically I’ve always driven a car and up until 2016 I had 9+ NCD on private motor insurance. I then since have been on a company car and obviously the 2 years has passed with the NCD. I have never made a claim and always driven and clean license etc. 

Are there some insurers that will take all of this into account and offer something better than starting on 0 NCD. I have proof of my driving history too but I know sone insurers won’t budge on the 2 year thing. 

Any help would be great and any insurers people know would offer something

When I got rid of my company car in 2018 insurers wanted a letter from my employers saying I was only named driver and had no accidents. I had no accidents but my employers certainly didn't name me or any of the circa 9000 employees that drive on company business. In the end I just bit the bullet and paid the extornationate fee.

NorbieG

I declared my car SORN for just over two years and realized I lost my full No Claims Discount because I chose not to drive during that time.

It seems unjust that one's No Claims Discount (NCD) should be forfeited, which one paid additional payments over the years to protect, simply because one declared a Statutory Off Road Notification (SORN) and did not drive for just over two years. This was my experience when I attempted to return my car to the road. It appears that insurance companies profit from every possible angle!

In my view, the No Claims Discount (NCD) that one has opted to protect ought to be maintained throughout one's driving lifetime, similar to its status when no claims are filed.

DullGreyGuy

NorbieG said:

I declared my car SORN for just over two years and realized I lost my full No Claims Discount because I chose not to drive during that time.

It seems unjust that one's No Claims Discount (NCD) should be forfeited, which one paid additional payments over the years to protect, simply because one declared a Statutory Off Road Notification (SORN) and did not drive for just over two years. This was my experience when I attempted to return my car to the road. It appears that insurance companies profit from every possible angle!

In my view, the No Claims Discount (NCD) that one has opted to protect ought to be maintained throughout one's driving lifetime, similar to its status when no claims are filed.

Each insurer is free to make up its own rules around NCD and there are notable variances. As you say your just over 2 years since you last used your NCD you could get a quote with Admiral given they recognise NCD for up to 3 years. 

Second things is, NCD is not typically the massive discount it used to be. A poster on here a few months ago were in a similar position to you but then discovered the difference between 20 years NCD and 0 NCD was exactly £5 for them. I dont recall what their actual premiums were but believe it was effectively a circa 2% discount. 

There is an argument naturally that if you've not driven a vehicle for 2 years there are real prospects that you are out of practice of it but it's not a question asked. 

At the end of the day, nothing about NCD makes any sense... why can you only use it on one vehicle not all the vehicles? How can you have 10 claims on your company car but sill say you have 20 years NCD on your personal car? Mostly its a construct of the marketing departments to give them something to talk about and to try and differentiate (eg Named Driver NCD, increasing the number of years recognised, "promises" that NCD won't be impacted for vandalism, theft, uninsured drivers etc)