Insurance - cheapest way to get a years no claims

[AyBee]

Does a car need a valid MOT to be able to be insured?

My insurance, MOT and tax all run out at once since I did them all one summer returning from university. Time has come when they've all run out but I'm now living and working in London and the car isn't here. I currently have 4 years no claims and so think it might be sensible to increase this to 5 which will coincide with my 25th birthday and hopefully make insuring something tastey the year after a lot more affordable!

The car doesn't have an MOT (I'm not sure how much it would take to get it through, I'm hoping not a lot since it hasn't done many miles since last year but it is reasonably old), I fully intend to make it SORN since road tax is pricey if you're not using it at all but can I still try to find an extremely cheap 10 miles/annum insurance policy to add to the no-claims or is this not worth the hassle/expense?

[Sooty]

4 yrs = 60% discount
5 yrs = 65% discount

Is it worth paying an extra year for the extra 5% saving next year?

[saaby93]

We've seen in another thread that if you don't keep your NCD going it can revert back to zero after a few years.
Can you do too few miles per year as well as too many?

[SpeedBash]

saaby93 said:

We've seen in another thread that if you don't keep your NCD going it can revert back to zero after a few years.
Can you do too few miles per year as well as too many?

Was just about to post a similar point.

Do you have a link to the other thread you are referring to?

Would be handy to see what is being said.

[saaby93]

SpeedBash said:

Was just about to post a similar point.
Do you have a link to the other thread you are referring to?
Would be handy to see what is being said.

http://www.pistonheads.com/gassing/topic.asp?h=0&t=1012663
7 years NCD lapsed for 3 years = 0years NCD

[Sooty]

Usually expire after 2 yrs, but that wasn't his point. He's trying to get an extra year for his 25th birthday next year.

[SD1992]

Cheapest way might be to go on as a named driver on someone else's policy for a year providing that their insurers give named drivers NCD. I am with Admiral and they do

[AyBee]

Sooty said:

4 yrs = 60% discount
5 yrs = 65% discount

Is it worth paying an extra year for the extra 5% saving next year?

I wasn't aware it was only 5% difference, may just leave it for a year. I'm aware about the 2 year rule so won't let that lapse, was just trying to work out whether it was worth insuring for a year to get the 5 years. I assume though that the car would have to have a valid MOT, don't think tax is a requirement though, is that correct?