Keeping my NCD after 2 years carless?

[cheeky_chops]

Been WFH since COVID, we didnt need 2 cars so a leased £300pm paper weight that was sitting on my drive not getting used went back... Wind on and its now nearly 2 years since it went and the insurance was cancelled.

As i understand it, if you dont use the insurance within 2 years you loose you NCD?

Short of buying a car, putting it on the drive and suffering either the depreciation, bills or looking at a rot box shed daily, has anyone come up with better way to keep their NCD valid?

[rhamnousia5]

Best option is you and your partner alternate who insures the car each year. There’s no issue with fronting if you’re cohabiting and / or married and no issue with anything despite the doommongers on here. There’s also no such thing as NCD being 5 years really. The extra couple of years some give is pennies impact and once you get beyond that then you’re just building up a number of claim free years for the sake of it.

Equally, depending on your age you could realise that NCD actually doesn’t impact the price much. Anyone over 35 benefits that way

People are way too obsessed about a marketing gimmick that has run out of control.

This will set the hares running now

[jodypress]

I did similar; the wife and I share 1 car. I just swap main driver every 2 years with other as named driver so we both keep our NCB. It's not fronting like with a new driver.

[Dog Star]

rhamnousia5 said:

Best option is you and your partner alternate who insures the car each year. There’s no issue with fronting if you’re cohabiting and / or married and no issue with anything despite the doommongers on here. There’s also no such thing as NCD being 5 years really. The extra couple of years some give is pennies impact and once you get beyond that then you’re just building up a number of claim free years for the sake of it.

Equally, depending on your age you could realise that NCD actually doesn’t impact the price much. Anyone over 35 benefits that way

People are way too obsessed about a marketing gimmick that has run out of control.

This will set the hares running now

Not quite true. I’ve just gone through this with a small 250cc off road bike. I have full 9+ on my big bike but three years on another policy - however it was 2.5 years old.

Dirt bike with full ncb: £120
With three years: £130
Above fully comp.

With no ncb it was £260.

I actually managed to find a place that recognises ncb up to 3 years old but it was over £200 tpft. I’ve gone for that on the basis that next year I’ll have 4 years and get the ncb I can use anywhere.

Some companies recognise car ncb up to three years old - I think Ditect Line might be one.

[cheeky_chops]

rhamnousia5 said:

Best option is you and your partner alternate who insures the car each year. There’s no issue with fronting if you’re cohabiting and / or married and no issue with anything despite the doommongers on here. There’s also no such thing as NCD being 5 years really. The extra couple of years some give is pennies impact and once you get beyond that then you’re just building up a number of claim free years for the sake of it.

Equally, depending on your age you could realise that NCD actually doesn’t impact the price much. Anyone over 35 benefits that way

People are way too obsessed about a marketing gimmick that has run out of control.

This will set the hares running now

Good points - Dont think the year on/off is an option, as its a company car in her name

Got some quotes on a £3k mx5

5yr NCB - £220
Named driver on another car 5 years - £250
0yr ncb - £250

So you are right, it aint worth a fat lot!

[rhamnousia5]

Dog Star said:

Not quite true. I’ve just gone through this with a small 250cc off road bike. I have full 9+ on my big bike but three years on another policy - however it was 2.5 years old.

Dirt bike with full ncb: £120
With three years: £130
Above fully comp.

With no ncb it was £260.

I actually managed to find a place that recognises ncb up to 3 years old but it was over £200 tpft. I’ve gone for that on the basis that next year I’ll have 4 years and get the ncb I can use anywhere.

Some companies recognise car ncb up to three years old - I think Ditect Line might be one.

The motorbike insurance market is completely different to the car insurance market. If you look at the subsequent reply from the OP you’ll see that his experience with car insurance is pretty much as I suggested.