Previous NCD when cancelling car insurance early.

Carlo123

Due to a change of car I'm looking to cancel my existing insurance policy and take out a new policy.

I have a full 1 years NCD from the previous policy (April 2020- April 2021).

Renewed in April 2021 with the 1 year NCD so currently 2 months in.

Change of vehicle required now, (June 2021), but the current insurer is uncompetitive with the new car.

Much cheaper to start a new policy now (June 2021) but with using the 1 year NCD.

So, my questions are, am I ok to cancel the existing policy and use the proof of 1 year NCD to start a new policy?

Will the existing insurer have to provide a new proof of 1 years NCD or will the previous proof be ok. (Have had no claims, accidents, etc, within this 2 month period)

Thanks for any guidance. 

Sandtree

You have to cancel the existing policy before the new one starts otherwise you'll have issues.

For short policies some insurers will still issue a proof of NCD whereas others will tell you to use the old one/return the old one. Your current insurers should tell you their process.

Carlo123

Ok. Thanks.
I will check when cancelling.