freezing a car insurance policy

[al bebak]

hi,
my son has an insurance policy with aviva.
he is selling his car and certain things have gone on in his life ie girlfriend pregnant, new flat etc etc.
he has a works vehicle 90% of the time and his girlfriend has a car.
he needs to pay over around £400 between now and august on the insurance which is not a problem.
if he tells the insurance company he has sold the car i assume they will stop his policy and make a charge of around £50 again no problem.
my/his worry is that he is 24, 25 in august but he has 5 years no claims.
he may not get another car this year but then again he might.
really what im looking for is a way to save his NCD somehow, i know when he is 25 he will get some more discount but losing the NCD to me would be a waste.
just looking for some advice really.

thanks.

[griffter]

I do not work in the insurance industry - but from my experience, he could 'suspend' the policy (ie stop the clock while no car is insured) but generally only for as much as 30-60 days. This is accomodate 'between cars' periods.

But if he already has 5 years NCB, he'll still have that in say a year's time. If he stops the policy now he won't get a sixth year. A number of insurers give 'maximum' no claims discount at 5 years so that may not be an enormous problem. The bigger problem may be that he would lose his NCB if he does not insure another car within a certain time period. I understand this is generally 2 years - but I don't know and it probably varies from insurer to insurer.

I'd phone Aviva, come clean, and ask for advice.

[al bebak]

thanks griffter,
i was sort of under the impression that any break(months not years) in your insurance you would lose the whole lot.
if as you say it is 2 years then thats just fine, i/he will call aviva and come clean i think, maybe there will be a couple of more replies which may confirm the time scale.
thanks again.

[ZOLLAR]

As long as he insures a car within two years of his last policy an insurer will still accept.
Insurers can be flexible and may allow 2 1/2 years but usually this would be with the insurer he last insured with (in his case aviva), obviously that decision is at the discretion of the insurer.

[al bebak]

ZOLLAR said:

As long as he insures a car within two years of his last policy an insurer will still accept.
Insurers can be flexible and may allow 2 1/2 years but usually this would be with the insurer he last insured with (in his case aviva), obviously that decision is at the discretion of the insurer.

thanks zollar,
i/he will get the policy cancelled monday.
thank you both for replying.