How do I keep my NCD without a car?

slasher

I'm planning on going away travelling for about 8 months and I want to sell my car with the intention of buying a different car when I return.

What I want to know is will an insurance company recognise my 11 years no claims bonus when I insure the new car even though I've had a gap with no car and no insurance of about 8 months?

maclean2

Hi - NCD stays valid for 2 years after you cancel your policy.

Enjoy your travels.

BenL

Keep your renewal notice/letter safe or you'll have no way of proving.

If you are canceling ask them for a letter confirming your NCD status.

Ben

telly-addict

maclean2 wrote:

Hi - NCD stays valid for 2 years after you cancel your policy.

Enjoy your travels.

I'm not aware of a 2-year time limit on an unused NCD. Have you had this response yourself from a specific company, or are you aware of a market policy? I would have thought that the practice might vary between insurers.

Thanks.

rrwfotr

I'm in the same situation, I now use my wife's car for the odd trips but I'm on her insurance as a named driver. I have 6 years no cliams will I lose this if I stayed as a named driver on the wifes car?

BenL

I think its pretty standard practice in the Motor Insurance world.

I've heard it from a few people, one of them being an underwriter for Cornhill.

Rrwfotr - you'll lose yours after 2 years of being a named driver.

You'll need to switch between your name and your wifes each year to both keep them running.

Just have to watch out for the main driver part of the policy.

Ben

buffers

BenL wrote:

I think its pretty standard practice in the Motor Insurance world.

I've heard it from a few people, one of them being an underwriter for Cornhill.

Rrwfotr - you'll lose yours after 2 years of being a named driver.

You'll need to switch between your name and your wifes each year to both keep them running.

Just have to watch out for the main driver part of the policy.

Ben

We have been doing this for a few years now. It's important to keep your renewal for proof of NCB and, as Ben says, you must watch out for the main driver part of the policy.

nadnad

It is standard insurance practice to allow NCB to be kept for 2 years.