Your no claims bonus (NCB) should be valid for up to 2 years after your policy expires. So if you choose to take out another policy during this time, you should keep your NCB. However, if you remain on the scheme for longer than this and decide to come back to a private policy, insurers aren’t obliged to honour your previous NCB.

However, if you do decide to leave the scheme after this time and buy your own car again, you could look at obtaining a claims history letter from the motability scheme. This will help you prove to an insurer if you have a claims-free history, or any claims you may have made, as well as the period of driving on the motability scheme. Lots of insurers will accept this as proof of your claims history which could help with your price, however it’s not guaranteed.