Which insurance companies accept No Claims Discount up to 3 years old

ScoobyDoobyDooLondon

My wife's car insurance has 4 years NCD from April 2021. Unfortunately most insurance companies only accept 2 years max although I've heard some companies will accept up to 3 years.

Only one I'm aware of is Admiral, are there any others?


thanks

Aretnap

Admiral are the only one that get mentioned here. A few like CoOp and Aviva have done it in the past but don't do it now.

Have you checked how big a difference it actually makes to her premiums? It may be less than you think. If it does turn out to be significant, Admiral are likely her best bet.

Mark_d

From my experience shopping around/negotiating a good deal on your car insurance makes a far bigger difference to the premium than whether you've got 2 or 4 years NCD

DullGreyGuy

ScoobyDoobyDooLondon said:

My wife's car insurance has 4 years NCD from April 2021. Unfortunately most insurance companies only accept 2 years max although I've heard some companies will accept up to 3 years.

Only one I'm aware of is Admiral, are there any others?

Admiral is the only large insurer that currently advertises as accepting 3 years... some people have luck with the company they were last with and ultimately some agents will give credit in exchange for a good sob story.

Don't get overly hung up on it though, you may find you can get cheaper prices with no NCD by having more insurers you can approach. One forum user the other day claimed adding 9 years NCD to their policy only took £2.80 off

NorbieG

I lost all of my full 9+ years  NCD (55 years of driving) because my car has been on SORN for over 2 years.  So, is it worth paying extra to protect one's NCD if one should lose it that way?

I tried Aviva, Admiral, and some others who supposed to accept NCD up to 3 years old, but no luck with them.  I tried Admiral's web quote form 3 times, and each time after submitting the form, I got a message saying: "You have entered a lot of information, so my email address is needed to set up an account."  I did what was requested.  However, I haven't received anything from Admiral, such as the quote or account details that they are supposed to set up.