NCB valid for how long

Honest John Back Room » Motoring discussion
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Thu 28 Jan 2010 16:01
NCB valid for how long - Man without a plan
Hi guys,

I haven't had my own car insurance for 18 months now but have been a named driver on the wife's car... (nothing sneaky, I didn't need a car for work so it was the most sensible option)...

I am now about to get a car and insure it again so I would like to know if my no claims bonus from 18 months ago will still be valid?

Thanks
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Thu 28 Jan 2010 16:06
NCB valid for how long - daveyjp
Only your old insurance company can answer that question. Most give you two years, some as many as four.
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Thu 28 Jan 2010 16:06
NCB valid for how long - b308
I thinks its normally about 2 years, I'm sure mine was about an 18 month gap when I got another car and the old Insurance Company came up with a letter of proof...
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Thu 28 Jan 2010 16:16
NCB valid for how long - Man without a plan
So its only a case of how long back the old insurance co's records can prove your NCB?

I though there might be a restriction by the new insurance co or "the insurance gods" saying "we do not accept NCB ovber x years old"
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Thu 28 Jan 2010 17:03
NCB valid for how long - a900ss
So its only a case of how long back the old insurance co's records can
prove your NCB?


No it isn't
I though there might be a restriction by the new insurance co or "the insurance
gods" saying "we do not accept NCB ovber x years old"



The above is more like it. Most insurers won't accept any proof of NCB over two years although a few will. This is governed by your new insurers policies.
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Thu 28 Jan 2010 17:08
NCB valid for how long - SteveLee
Insurance companies are okay if you talk to them directly, when I came off company car insurance (NO NCB for four years) I got a letter from the company saying there had been no incidents and then negotiated a "discretionary" NCB. As pointed out above those I doubt if 18 months will be a prob.
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Thu 28 Jan 2010 20:46
NCB valid for how long - martint123
Acceptance of old NCB is down the the new insurer. I've seen as short as 6 months quoted, up to a couple of years.

The easiest would be to consider going back to your previous insurer.
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