How long does your NCB remain when unused?

[Shnozz]

I'm currently carless and hence have cancelled my policy and have been sent proof of NCB. As it's 12 years NCB it's quite valuable to me when I come to insure the next vehicle. How long will it remain valid for as I understand that after a certain period has elapsed the NCB becomes void?

TIA

[kambites]

I think it's usually a year, although it might vary by insurer.

[balls-out]

2 years is the norm, I understand. I've lost a 5 years NCB as a result for a second car. Hard to see how they justify it - oh my mistake they don't do they - they just do it.

[Ozzie Osmond]

kambites said:

I think it's usually a year, although it might vary by insurer.

^^^^^^ That's what I think too. Some will allow 2 years.

[HebdenHedgehog]

My wife and I are in the same situation, two drivers with long standing NCB allowances but suddenly only one car. We were advised the limit was 2 years before you lose the NCB discount, so we just change the main driver each year - one year its her, the next it's me! Worked so far (3 years)

[shirt]

i got away with 18mths using flux as a broker. had a classic policy in the break hence no NCB accruement.

[Shnozz]

Cheers guys. I'll have to keep it in mind. When you price it up it's amazing how much my NCB is worth on relatively high group cars.