Any idea how I keep my NCB?

[vrooom]

I want to downsize to one reilable car from two car. My wife is main driver on that car, and I am named driver.

How can I keep my NCB while I dont have a car of my own. It would be couple of year until I get car of my own again.

Most insurance companies's policy of keeping NCB varies, some has 6 month or 2 years before NCB lapses.

[Lawbags]

Flux let me retain mine for up to 4 years. Sadly, 4 and a half years later I got another car and had to start again!

[t955daytona]

Insure your wife's car alternately, I.e in her name this year with you as the named driver and then in your name with your bonus next year. You can still have her as the main driver even if the policy is in your name. This way each bonus has only lapsed for a year at a time. Other than that you would have to find something to cover that you will not be using. I've lost full bonus a couple of times when going from numerous cars and bikes to cutting down. It's bloody annoying! I'm building back up now on my weekend car.

[warp9]

In a way you've answered your own question! Me and my wife use a company that allows 2 years before NCB lapses, so each year we swap the main driver.

[Papa Hotel]

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

[MGZTV8]

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

22rgt B Squadron said:
Really wouldnt worry about PapaHotels view hes the biggest arrogant bullstter bellend on PH..

:-)

[Chongwong]

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

Not sure if serious?

[Papa Hotel]

MGZTV8 said:

22rgt B Squadron said:
Really wouldnt worry about PapaHotels view hes the biggest arrogant bullstter bellend on PH..

:-)

And?

[Papa Hotel]

Chongwong said:

Not sure if serious?

Why not? It's not like I hadn't earned the NCB, just some tt in an office puts an arbitrary timescale on them. What if your bank done that? You haven't taken your money out in 2 years so they own it? bks to that, I earned my NCB, I'll use it when I please.

[750turbo]

Chongwong said:

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

Not sure if serious?

Think about it, and look at the time and no of posts he has on here...

[METHS]

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

Please don't take him seriously.

[Papa Hotel]

I don't get the drama here. OP - it's your NCB, who the hell is some call-centre employee to tell you when to use it?

[MGZTV8]

Don't rise to any of this bks...

[vrooom]

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

now, that's good idea. :P :P

[StefanVXR8]

vrooom said:

Papa Hotel said:

Get a PDF copy of your no-claims certificate and edit it when it comes time to get insurance. That's what I've done in the past, just change the date by a couple of years.

now, that's good idea. :P :P

Yes, it's not like its held electronically or anything is it!