NCB

[Condi]

If you dont use your NCB for 2 years, you forfeit it, right? What would happen if you went abroad, but left your car insured here (fully legal, tax, insurance etc)? Is that fine, or would it count as fraud? It looks fine to be, as your not being fraudulent - ie the car is insured.

[Vaud]

I think one of the test question is, "are you a UK resident?"?

So technically yes, you aren't giving all the info to the insurer but providing you were the only user in that time, I imagine no-one would bother.

Most good brokers (not mass insurers) can find you a policy that suits as they can access far more policies (or rather know a lot more about the options)