No Claims Bonus Expiry

panthro · 6 Jul 2010 at 12:16

Is it true that any NCB you have built up in the UK will expire after 2 years if you are not insured on any vehicle?

NathanE · 6 Jul 2010 at 12:18

Depends entirely on the insurer. It's basically a case of striking a deal with them.

Freefaller · 6 Jul 2010 at 12:28

That's what I did since moving over to a company car, I managed to extend it to 3 years.

However to extend the question of the thread, if you insure yourself as a 2nd driver on someone else's car - does that count?

eatcustard · 6 Jul 2010 at 12:28

Yes it is 2 years

but some will honour it after that.

InvaderGIR · 6 Jul 2010 at 15:43

Freefaller said:
However to extend the question of the thread, if you insure yourself as a 2nd driver on someone else's car - does that count?

Shouldn't have thought so as named drivers don't normally gain NCB or indeed use their previous NCB to aid the policy they are named on.

Freefaller · 6 Jul 2010 at 16:47

Didn't think so. Will have to buy a little runaround within the next 2.5yrs then. Cheers.

djjuk · 6 Jul 2010 at 18:45

Company car use will be considered for NCB with some insurers.

EvilDreams · 6 Jul 2010 at 19:02

Wait a minute - I didn't know about this.

I am on a classic policy which doesn't build any no claims, I have 2 year's NCB with a previous car with the same insurer as the classic policy (which I cancelled when starting the classic policy and got proof of NCB etc), so will my NCB expire in 2 years since it's not on anything?

ZG002 · 6 Jul 2010 at 19:09

EvilDreams said:
Wait a minute - I didn't know about this.

I am on a classic policy which doesn't build any no claims, I have 2 year's NCB with a previous car with the same insurer as the classic policy (which I cancelled when starting the classic policy and got proof of NCB etc), so will my NCB expire in 2 years since it's not on anything?

Call them and find out?

Freefaller · 6 Jul 2010 at 19:30

djjuk said:
Company car use will be considered for NCB with some insurers.

Interesting, I'll call greenlight and see what they say.

Thanks.

djjuk · 6 Jul 2010 at 19:38

Freefaller said:
Interesting, I'll call greenlight and see what they say.

Thanks.

No problem. Had the same concerns when I moved to a company car a few years back.

panthro · 7 Jul 2010 at 00:02

I will give Bell Direct a call if/when I move back to the UK to see if they will still honour my NCB. If not, then looks like I will have to start from the beginning again