Question about No Clams Bonus

[Typhon]

I hope this isn't a stupid question, however I'm curious as to how this may work. I accrued a few years NCB whilst insuring my previous cars - all with the same company. In 2009 I had to leave the country abruptly - I continued insuring my car but eventually neglected to keep the balance of my account up and it defaulted. Soon after I cancelled the policy, paid off the outstanding amount and sold the car. This was around mid-2010.

Now I've returned to the sunny UK, can I still claim NCB when I take out a new policy, or could have my bonus have expired?

[rijmij99]

unfortunately not, NCB expires after two years, which is ridiculous but another way for us to be raped by insurance companies

[Slow]

rijmij99 said:

unfortunately not, NCB expires after two years, which is ridiculous but another way for us to be raped by insurance companies

Tbh if you didnt drive for 2+ years your driving standards would of dropped so it sort of makes sence, obvious problem is if you were driving somewhere else then you wouldnt be worse.... unless it was russia

[rijmij99]

i don't know if thats completely true, logical but i don't think it would take along time to get back into the swing of things as it were. i had no car for 4 months, now i know thats not a long time but it took me about 20 minutes to get back my clutch control etc now extrapolate that to 2 years you're talking 2 hours to get back to your best. i can't see you being that much more of a risk than if you've been driving for 20 years non stop. the worrying thing is you can take a test at 17 and then not drive for 5 years and then jump straight in a car, in that case it would be a bigger risk.

[Typhon]

Slow said:

Tbh if you didnt drive for 2+ years your driving standards would of dropped so it sort of makes sence, obvious problem is if you were driving somewhere else then you wouldnt be worse.... unless it was russia

It's funny you should mention Russia! Although driving over there I think only improves your road awareness. But no, this time it was a first world country with nice beaches and great weather, and around 50k miles per year in company vehicles.

Adrian Flux seems to accept out of date and overseas NCB. Will have to have a word with them soon

[405dogvan]

I love how not having insurance for 2 years means you've not drive for 2 years - because NO-ONE drives cars on company insurance, spouse insurance, group insurance, dealer insurance or - for that matter - no fking insurance, do they?

2 years is it - interestingly tho, you'll often get BETTER deals for your first 'new' year than you would from having NCB. Year 2 can be grimmer tho.

Example: I hadn't owned a car for 2-and-a-bit years - I'd had 3 years NCB and at first I just said I had that and got some quotes. I then went back and said I had nothing the the quotes with 'indtroductory offers' were LOWER than they'd been with 3 years NCB!!

Year 2 was grim tho

[shotgunfacelift]

405dogvan said:

I love how not having insurance for 2 years means you've not drive for 2 years - because NO-ONE drives cars on company insurance, spouse insurance, group insurance, dealer insurance or - for that matter - no fking insurance, do they?

2 years is it - interestingly tho, you'll often get BETTER deals for your first 'new' year than you would from having NCB. Year 2 can be grimmer tho.

Example: I hadn't owned a car for 2-and-a-bit years - I'd had 3 years NCB and at first I just said I had that and got some quotes. I then went back and said I had nothing the the quotes with 'indtroductory offers' were LOWER than they'd been with 3 years NCB!!

Year 2 was grim tho

In my experience a good insurer will take into account any NCB earned on policies where you are a named driver, they just usually half it. So 4 yrs on CC insurance, as long as you can prove there were no accidents, they should offer you 2 years NCB.

I will clarify, it has to be a good insurer! Admiral/Direct Line and the other budget insurers will not do this, but I guess that's how they manage to get their prices so competitive.

My policy cancelled in October 2011, I return to the UK in May so I have lost 6 years from mine. However the quotes I have been looking at recently for some barges are not bad for 0 NCB, hopefully I won't experience the 2nd yr hike you did

Edited by shotgunfacelift on Monday 4th February 04:16