I'm 21 and have 2 year no-claims but I've just sold my car and won't be driving whilst I go to uni (3 years.) I want to carry on driving when I graduate, will I be able to build on my 2 years or have to start over?
Also if I go on my dad's insurance within the 3 years will that go towards my no claims?
2006-09-16 07:23:15 · 12 answers · asked by Taya 1 in Cars & Transportation ➔ Insurance & Registration
The no-claims has nothing to do with whether you have a car to drive. It's your record when driving any car that will matter. The insurance company for your dad will have to determine if a no claims discount applies for his policy for you. Time doesn't stop when you stop driving.
Once you do get insurance again, they will ask about any claims you've had. If you've had none in the period of time that they look at, then you'll have the discount again. If you had one during that time, then obviously it won't apply. They don't ask you if you've had a lapse in driving. They just ask if you've had any at fault accidents in the past time frame.
2006-09-16 11:13:35 · answer #1 · answered by Chris 5 · 0⤊ 1⤋
In the UK a persons 'no-claims' discount last ONLY two years (or rarely 3) - it doesn't matter what you insure - even a £100 scooter & keep it in the shed & never use it!! I'd seriously concider getting a cheap insurance policy for an old moped if your no-claim will make a difference when youwant to drive again - it will probably amount to around 50 or 60%. This IS legal!!
2006-09-16 09:30:15 · answer #2 · answered by creviazuk 6 · 0⤊ 1⤋
Even if you have no claims, your rate will go up for not having a prior insurance policy. Usually if your on someone else's policy and any one on that policy has a claim it rates all people on that policy with a claim. However that shouldn't follow you to another company and the no prior policy only last until your next renewal (usually 6 months), so it's not so bad. Have a safe trip,
2006-09-16 20:45:37 · answer #3 · answered by brandiwine72 3 · 0⤊ 0⤋
Some companies will honour your NCD for 3 years.
Some will only honour it for 2 years.
Going on as a named driver does not count towards your own NCD
Some companies like Direct Line are allowing their named drivers to build up NCD, but this is not transferable to other insurance companies. So when you want to take out a policy and make use of that NCD, you are forced to insure with Direct Line, as no other company will honour it.
2006-09-16 07:33:32 · answer #4 · answered by Swampy_Bogtrotter 4 · 0⤊ 0⤋
Generally your no claims can be used for up to 2 years from when it was last used.After then it would not be accepted by most companies although if you are on someone elses policy then you may be given some sort of introductory discount.
2006-09-16 07:29:13 · answer #5 · answered by accebs 2 · 0⤊ 0⤋
You own ncb lasts for 2 years .
There are now some insurance co. that insure you for a car that is not yours and take your ncb into consideration but I don't know which . Maybe a broker can inform you and then go online !
2006-09-16 10:41:02 · answer #6 · answered by Anonymous · 0⤊ 0⤋
As a named driver under your father's policy check with the insurance company as some do and some don't. I know Directline is now doing no-cliams for named drivers.
2006-09-16 09:28:29 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I think you will lose it after 3 years, but not all insurance are the same..
2006-09-17 06:52:37 · answer #8 · answered by Gordon C 2 · 0⤊ 0⤋
Surely you won't keep a policy active on a car you sold? If you don't have your own active policy, the next 3 years won't count.
2006-09-16 08:03:16 · answer #9 · answered by oklatom 7 · 0⤊ 1⤋
you will have 2 years no claims depending on how you left your last insurer ...sometimes they dont pass on details
2006-09-16 11:28:28 · answer #10 · answered by clare p 3 · 0⤊ 1⤋