0

If I had a car policy expire on 22nd May 2019 that had 3 years no claims, how long is this 3 years no claims valid for to use with a new policy ?

Is it just my next insurance policy ?

What if I started a new policy, but after 9 months realised I could get a much better deal else where with 3 yrs NCD, would the 3 years NCD still be valid, and if so for how long ?

This is for UK car insurance, just a standard fully comprehensive policy for a single driver.

0

“No claims” discounts are not regulated yet law

They are a business practice offered by each individual insurer

As such you need to read their policy documents to find out how or if it works.

| improve this answer | |
  • yeah after a bit more digging I found a useful link that says most companies allow for a 2 year gap, but it really is dependant on each insurers terms – PeterH Mar 27 at 8:08
0

No claims discount is valid until you make a claim. (You can also pay some extra fee so that one claim in some time frame doesn't affect your claim). So if you move insurance, stay with the new insurance for a year without a claim, then you have four years "no claims" discount for your next insurance.

| improve this answer | |
  • I want to move after 9 months with new insurer, obviously I cant carry 3yrs and 9 months, so is my 3 yrs still 'transferable' ? – PeterH Mar 26 at 15:46

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.