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When does a no claims bonus expire?

My wife came off Motability car use. The following year she was on my insurance as a named driver. Recently she applied for insurance and was told she has lost her no claims bonus of 45 years. Can this be right?

Asked on 8 April 2022 by james gallagher

Answered by Dan Powell
When did your wife last have a policy in her name? If it's more than two years ago then the no claims bonus (NCB) will have expired.

Some insurers do recognise a NCB that's been inactive for up to three years, a broker may be able to help your wife find one of these policy providers.
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