Question about no-claims discounts

[Nomes]

Hi all,

It seems that most car insurance companies accept a break of up to 2 years when counting NCD. Does anyone know of any companies which accept a break of up to 3 years?

Thanks

[Scrump]

I had this issue a few years ago. Couldn’t find any which accepted it at just under 3 years break, but did find a few who would give an introductory NCD very close to what I previously had. Just need to ask if they can do this.
It was quite a few years ago when I went through this so I can’t remember which companies p, sorry.

[WelshRich]

Might be worth trying a broker

My understanding is that no claims discount isn’t a hard and fast thing and insurers have some latitude if they see you as low risk/want your business. Applying a non-standard NCD doesn’t always match up with the online application forms though, so you need to speak to a human (or use a broker to do this for you)

For example, I opted out of my company car scheme a while back but was able to get a decent NCD applied even though I hadn’t been building up years with any insurer. They basically gave me a discretionary discount but called it NCD and provided a statement/certificate that described it as NCD when I later moved to a different insurer.

[sixor8]

I think Direct Line allow a break of 3 years, but it may only be if they were your last previous insurer? I can't find out for certain with a quick google search.

[Dingu]

Some will do 3, also some will step it back after the two.

E.g. you have 5 years but a break of 3 years. Some (with a policy of accepting within 2 for this example) will take a year off for the additional years gap and give 4 as a result.

I would run a comparison with however many years you want to use and then call the cheapest couple (that you would consider insuring with) and see what they say.

[Mr Tidy]

If you can't find an insurer who will accept your NCD there are some who will offer a policy with an NCD that mirrors your main NCD.

That's what I did when I first got a 2nd car.