How long does a No Claims Bonus last for?

[Deleted member 1258]

Well, that and inadvertantly reversing your car through the brokers front window.

I've never had to make claim, both when I rode motorbikes and as a car driver

 

[Drago]

My mum, who is a dreadful driver, was once boasting that she'd never had an accident. I replied, "aye, but you've seen dozens in you rear view mirrors". She agreed that she had without realising the implications of the admission.

 

[welsh dragon]

NCD is valid for 2 years. After that, some companies may have some leeway to give you the full amount while other companies will give you a percentage of what you had as a gesture of goodwill. The amounts will vary from company to company.

 

[Tail End Charlie]

I'm thinking off getting rid of my car when the insurance runs out at the beginning of November.
I currently have the maximum '9 years or more' no claims bonus. Does anybody know how long it will be before I lose it if I don't renew my insurance?
I've been told my no claims bonus will go down to zero in one go after two years.

I wouldn't worry, I went without a car for three years and hence had no NCB when I got another car. But by the time 25% was knocked off for being a new customer, 10 % for doing it online, another chunk off because they have a special offer on, another chunk because it was a Tuesday, another bit because I'm such a nice guy, it ended up being £10 more (250 as opposed to 240). After the first year they automatically gave me five years NCB. Shop around each year and you'll save loads. I have no qualms changing every year and online comparison makes it so easy. Mind you, Direct Line aren't on the comparison sites so I always check them as well as I've always found their prices keen, and they were great when my wife once claimed from them.

 

[Accy cyclist]

I typed in '3 years no claims', then '25+years no claims' for the same car. All the quotes were more or less the same. 400 plus quid insurance for
no claims since 1996 and only 3 points on my license in 41 years is a fecking rip off!!!

 

[Drago]

I typed in '3 years no claims', then '25+years no claims' for the same car. All the quotes were more or less the same. 400 plus quid insurance for
no claims since 1996 and only 3 points on my license in 41 years is a fecking rip off!!!

Well, you will insist in driving a Lamborghini and putting "crocodile castrater" as your occupation.

 

[vickster]

I typed in '3 years no claims', then '25+years no claims' for the same car. All the quotes were more or less the same. 400 plus quid insurance for
no claims since 1996 and only 3 points on my license in 41 years is a fecking rip off!!!

Try a different postcode...like the place by the seaside you were considering. Do you have off street parking, if not that’ll hike the cost if a ‘high risk’ area

When did you get the points?

 

[Accy cyclist]

Try a different postcode...like the place by the seaside you were considering. Do you have off street parking, if not that’ll hike the cost if a ‘high risk’ area

When did you get the points?

How can I change the post code when surely that'll make my insurance invalid if I had to make a claim? I suppose I could tell 'em I have off road parking. The 3 points were given to me some 20 years ago for having a cracked headlight. The car hadn't moved for weeks. Someone must've kicked it or something like that.

 

[Drago]

What he doesn't mention is that he cracked the headlight when he ran over than nun.

 

[vickster]

How can I change the post code when surely that'll make my insurance invalid if I had to make a claim? I suppose I could tell 'em I have off road parking. The 3 points were given to me some 20 years ago for having a cracked headlight. The car hadn't moved for weeks. Someone must've kicked it or something like that.

I meant you could move somewhere in a lower risk bracket. That’s probably why your insurance costs so much.
I didn’t mean lie

You don’t have to mention the points after 5 years. They expire
Your new licence (with new address) should reflect that

 

[Accy cyclist]

I meant you could move somewhere in a lower risk bracket. That’s probably why your insurance costs so much.
I didn’t mean lie

You don’t have to mention the points after 5 years. They expire
Your new licence (with new address) should reflect that

Oh aye, move home just to save 100-150 quid on car insurance!

 

[flake99please]

Oh aye, move home just to save 100-150 quid on car insurance!

With the bonus of having better neighbours hopefully.

 

[Accy cyclist]

With the bonus of having better neighbours hopefully.

True.

 

[vickster]

Oh aye, move home just to save 100-150 quid on car insurance!

Don’t moan about the cost of insurance then. You do choose to live there and to run a car

 

[Drago]

Apparently Aviva can save me £150 on my car insurance. Since I only pay £102 I reckon Aviva have to give me £48 a year to keep their promise!