2007-06-06 10:20:38 · 13 answers · asked by shellmundo 2 in Cars & Transportation ➔ Insurance & Registration
can i just make it clear that i have had no insurance for the past year as i have been in and out of hospital and therefor unable to drive.
so i have been putting no ones life in danger in anyway.
2007-06-06 10:50:40 · update #1
You are a twit.
2007-06-06 10:23:32 · answer #1 · answered by The Bankman. 4 · 1⤊ 4⤋
So if you haven't been driving then I feel for you, if you've been skating by well that will catch up. So no degrading here...
So unfortunately in most cases good rates come from having continual insurance along with no claims. Some companies will let you keep insurance on hold for future reference, but not all.
Best bet to ask the particular insurance co. But with no policy then you couldn't file a claim so they may not see that as you getting a bonus. But each is different. Each company offers some class of us a good rate, so shop around! And have your documents! Get a letter of experience from your previous. And if they see proof of your medical condition they may be the most willing to work with you, see what they can do!
If you have extreme med problems bring proof and ask the insurance agent to get with the underwriters to see what they can do. Some companies have waivers for military etc and for medical issues.
Good luck
2007-06-07 07:27:35 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yes I went overseas for a year and came back in the same predicament. I was just asked to show my previous no claims and state in writing why there was a year without insurance.....which was cos I was travelling! My no claims remained as it was when I was last insured.
2007-06-06 17:26:25 · answer #3 · answered by Anonymous · 1⤊ 0⤋
It depends on which company you were with.
If you go back to the same company you were previously with they usually accept your ncb for three years
If you go to a different company they will usually accept it as long as it is less than two years old.
You will probably need to send proof of your NCB entitlement and a letter saying you have not been driving during that time and so the NCB is unused.
2007-06-06 20:06:21 · answer #4 · answered by Anonymous · 1⤊ 0⤋
In the UK, No Claims Bonus (NCB) is valid for 2 years from expiry so you shouldn't have any problems.
2007-06-07 11:39:50 · answer #5 · answered by Micky Fees 3 · 0⤊ 0⤋
You also have had no consideration for other people, but I believe you retain your no claims bonus for about two years. however if you have been involved in an accident which has passed through an insurance company they can find out so yoy had better declare it 'cos a false declaration can invalidatre your insurance
2007-06-06 17:31:03 · answer #6 · answered by Scouse 7 · 0⤊ 2⤋
Most insurance companies will honor the fact that you had previous insurance and no prior claims.
2007-06-06 17:25:05 · answer #7 · answered by Anonymous · 0⤊ 1⤋
yes i think it will last for 3 years before you lose no claims bonus
2007-06-06 17:34:54 · answer #8 · answered by telboy 7 · 0⤊ 0⤋
As long as you have a letter of confirmation or certificate from your last insurer to prove it. No probs. They will supply you with one if you contact them
2007-06-06 17:24:43 · answer #9 · answered by trouble_906 4 · 0⤊ 1⤋
Yes you will be OK provided you can offer proof is asked
2007-06-07 06:21:36 · answer #10 · answered by srracvuee 7 · 0⤊ 0⤋
As long as you have proof you will be entitled to no claims bonuses.
2007-06-06 17:23:54 · answer #11 · answered by taxed till i die,and then some. 7 · 0⤊ 1⤋