Not had insurance for 2 years - have I lost my no claims bonus? | Ask Honest John

Not had insurance for 2 years - have I lost my no claims bonus?

I have not had insurance for over two years. I understand from my most recent insurer that I will have now lost my nine years NCD unless I re-insure with them before three years are up. (Fair enough, though the premium quoted doesn't seem to reflect that...)

If I re-insure now with my previous insurer for one year, they will keep my no claims bonus. Will other insurers recognise my no claims after this or will I have to stay with the same insurer for the foreseeable future?

Asked on 19 January 2016 by AH

Answered by Honest John

Normally you lose any NCD if you don't re-insure within 2 years, so your insurer is offering you some special terms. Can't say if, after a year, other insurers will penalise you for the 2 year gap. Will vary from insurer to insurer.

Tags: insurance

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