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Author Insurance question - Loosing NCB
jacko198
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Registered: 1st Mar 07
Location: Buckinghamshire
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18th Feb 15 at 22:19   View User's Profile U2U Member Reply With Quote
So i sold my car back in november and haven't bought one since (don't really need one atm)

I was halfway through a policy which started in about June when i cancelled it.

I know after a year of no insurance your no claims disappears. So I'm wondering if i am going to have to insure a car before it gets round to June again? I am guessing if i do its going to be for a whole year so i can add to my no claims or its not going to count?

Bit confused with that really. I have 5 years NCB and don't want the hassle of loosing it!
IvIarkgraham
Premium Member

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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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18th Feb 15 at 22:40   View Garage View User's Profile U2U Member Reply With Quote
yeah you better insure something before all your NCB is loost
GB123
Premium Member

Registered: 21st Nov 11
Location: Kent
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18th Feb 15 at 22:41   View Garage View User's Profile U2U Member Reply With Quote
I thought it was two years?
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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18th Feb 15 at 22:51   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by GB123
I thought it was two years?


I thought that too.
Ben G
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Registered: 12th Jan 07
Location: Essex
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18th Feb 15 at 23:03   View User's Profile U2U Member Reply With Quote
Losing*

I had to insure a car after 11 months without one because of this silly rule. Had a puma on sorn and using a car insured in missus name.
taylorboosh
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Registered: 3rd Apr 07
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19th Feb 15 at 07:30   View User's Profile U2U Member Reply With Quote
Its not a silly rule
Simon_16v
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Registered: 14th Aug 06
Location: Yorkshire
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19th Feb 15 at 08:08   View User's Profile U2U Member Reply With Quote
2 years with most insurers.
Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
19th Feb 15 at 10:17   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by taylorboosh
Its not a silly rule


It is.

Why should you lose accrued NCB that you've paid a hefty premium to gain over the years?

You don't lose your license if you haven't driven in a certain amount of time. What if you spent a year abroad then decided to come back? You'd have to start all over again and pay through the roof.
SVM 286
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Registered: 13th Feb 05
Location: pain
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19th Feb 15 at 20:48   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Corsa_Sport21
quote:
Originally posted by GB123
I thought it was two years?


I thought that too.


And me.
Ste
Premium Member

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Registered: 5th Mar 03
Location: Taif, Saudi Arabia
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19th Feb 15 at 23:38   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
quote:
Originally posted by taylorboosh
Its not a silly rule


It is.

Why should you lose accrued NCB that you've paid a hefty premium to gain over the years?

You don't lose your license if you haven't driven in a certain amount of time. What if you spent a year abroad then decided to come back? You'd have to start all over again and pay through the roof.


The 17 years before I passed my test I never had any insurance claims so chould have started with 17 when I got my first car

I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.
pow
Premium Member

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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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19th Feb 15 at 23:46   View Garage View User's Profile U2U Member Reply With Quote
It's two years. Shit rules
SVM 286
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Registered: 13th Feb 05
Location: pain
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20th Feb 15 at 00:19   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ste
quote:
Originally posted by Ben G
quote:
Originally posted by taylorboosh
Its not a silly rule


It is.

Why should you lose accrued NCB that you've paid a hefty premium to gain over the years?

You don't lose your license if you haven't driven in a certain amount of time. What if you spent a year abroad then decided to come back? You'd have to start all over again and pay through the roof.


The 17 years before I passed my test I never had any insurance claims so chould have started with 17 when I got my first car


Only if you'd purchased your first policy, minutes after exiting the womb Ste.
taylorboosh
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Registered: 3rd Apr 07
User status: Offline
20th Feb 15 at 05:48   View User's Profile U2U Member Reply With Quote
Its not stupid - i could pass my text and drive 3 years - then stop for ten - but then still have 3 years ncb
jacko198
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Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
20th Feb 15 at 12:14   View User's Profile U2U Member Reply With Quote
Hardly forget how to drive though!

Will have to get something insured in may then!
GB123
Premium Member

Registered: 21st Nov 11
Location: Kent
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20th Feb 15 at 13:38   View Garage View User's Profile U2U Member Reply With Quote
Even though it's two years?
flybikeslee
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Registered: 2nd Jan 07
Location: Liverpool
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20th Feb 15 at 14:07   View User's Profile U2U Member Reply With Quote
insure my spare s2k jack...
jacko198
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Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
20th Feb 15 at 15:04   View User's Profile U2U Member Reply With Quote
Yeah good idea Lee, ill have to drive it too. Cheers
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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20th Feb 15 at 15:26   View Garage View User's Profile U2U Member Reply With Quote
It's 2 years. I managed to lose 5 years nc by waiting longer than that.

To be fair the quotes when I did eventually get insurance were reasonable. But the car wasn't anything special...

Corsa 2.0 16v Vegas - Sold

 
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