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Old 30-10-2015, 06:40 PM   #1
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Default losing ncb

I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
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Old 30-10-2015, 07:23 PM   #2
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Quote:
Originally Posted by cozzy jeff View Post
I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
If it's not being actively used on a policy you will lose it after 2 years
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Old 30-10-2015, 07:53 PM   #3
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Yep, I lost all mine by not having a car for more than 2 years. I had my company fax a statement that I'd not had any accidents driving their vehicle for those two years, but Churchill wouldn't accept it, and said tough
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Old 30-10-2015, 08:20 PM   #4
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just got off the phone to Hastings and they confirmed what you said,they say two years also.
I have a mk6 escort in bits in the garage could I insure that then sorn it to maintain my ncb?
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Old 30-10-2015, 08:33 PM   #5
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Originally Posted by cozzy jeff View Post
just got off the phone to Hastings and they confirmed what you said,they say two years also.
I have a mk6 escort in bits in the garage could I insure that then sorn it to maintain my ncb?

Yes you can insure it

It should be on SORN already.
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Old 30-10-2015, 08:45 PM   #6
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it is and has been for years,its in our lasses name but thats another story,cheers.

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Old 02-11-2015, 08:20 PM   #7
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Quote:
Originally Posted by cozzy jeff View Post
I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
Hi,
Just to let you know that we have some insurance schemes that can use NCB that is up to 3 years old. If you need any help with a quotation then please feel free to drop me a line.
Regards.
Dan.
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Old 02-11-2015, 09:12 PM   #8
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I lost mine after about 3 or 4 years of driving a company car without accident. I told hastings and they said theyed take it into account and its possible they did after getting a £288 quote on my little amg merc for fully comp on 0 no claims and 3 speeding points . I don't imagine I could have got it much cheaper.
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Old 18-11-2015, 03:53 AM   #9
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It is a con. It would be reasonable.for it to reduce year by year but not suddenly dissapear after 2 years especially when it could be like 5 years plus to build it. But then i guess no ones surprised they dont play fair.
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Old 18-11-2015, 09:05 AM   #10
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It is a con. It would be reasonable.for it to reduce year by year but not suddenly dissapear after 2 years especially when it could be like 5 years plus to build it. But then i guess no ones surprised they dont play fair.
5 years ive not made a claim since July 1964. Im on the 2 year rule at the mo so will insure just to keep my ncb. Thems the rules would be nice if insurance companies were a Charity but they are a business & as such must maximise there profits same as you try to do.
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Old 18-11-2015, 09:08 AM   #11
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Quote:
Originally Posted by [email protected] FLUX View Post
Hi,
Just to let you know that we have some insurance schemes that can use NCB that is up to 3 years old. If you need any help with a quotation then please feel free to drop me a line.
Regards.
Dan.
Im with your lot & I was told after 2 years ive lost my ncb. Its about 18 months since I suspended cover whats your advice. Cheers Rod
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Old 18-11-2015, 09:10 AM   #12
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i think insurance should be paid once, and then if you've not had an accident or changed cars or the like you should be covered on that one off payment

if they can do it for tv's and microwaves why not cars and houses?
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Old 18-11-2015, 09:21 AM   #13
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i think insurance should be paid once, and then if you've not had an accident or changed cars or the like you should be covered on that one off payment

if they can do it for tv's and microwaves why not cars and houses?

Good idea if you have 50k to spare when you start driving.
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Old 18-11-2015, 09:22 AM   #14
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I had this problem a couple of years ago when I had not insured for over two years and I had 9 years ncb. After a lot of searching I ended up reinsuring with the co-op as they let you have a three year lapse. Of course I had to accept there quote, but actually it wasn't that bad, and as I could keep all of that ncb, it was a bargain. So you could try them.
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Old 18-11-2015, 10:01 AM   #15
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Quote:
Originally Posted by Rod-Tarry View Post
Good idea if you have 50k to spare when you start driving.
hows that then rod?

i pay a premium, i don't claim, and after one year i'm expected to pay a greater premium in some cases "because that's the way the industry is going"

hang on a minute, you've used my money for someone else and now it's my fault you don't have enough and i've got to pay more?

i go and buy a tv, i take out the extended warranty on it, which includes accidental damage, i don't claim on it for 5 years, i get my money back

or i do claim on it, and the next time i'm asked to pay more

my last "fault" accident happened so long ago i'm not even sure what year it was, 95 or 96, after that i've been hit three times, once in 97 by an old boy who reversed out of his drive into my car while i was waiting in traffic, once in 06 from behind while slowing for a set of light and once just the other week by a drunk driver while i was at a bus stop, yet because my last "accident" has happened within the past 5 years, some insurance companies are going to say that puts me at a higher risk of having an accident

i know this post isn't going to change the way insurance works but after paying out so much money over the years and seeing no return, i could have bought a house
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Old 18-11-2015, 10:19 AM   #16
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Dojj My first insurance was £8 a year back in 1962 according to you that's it for me. If tomorrow I bump in to a Bugatti Veyron & he then ploughs into a row of Children killing them all & its my fault they will pay out under your great rules. Who pays the Millions of pounds claim. We collectively pay it that's the way it works or are you prepared to sell your house when you have your next crash. You pay for a risk each year & as I said the Motor Insurance Charity has not arrived yet they don't have a money tree to pay claims from Dojj we all pay.
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Old 18-11-2015, 11:00 AM   #17
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I think you are being intentionally awkward rod

Insure for a set term, in motoring, it's a year

Any changes would mean an increase or decrease in the premium

When the renewal comes around, if you've not had any claims there would be a nominal fee to continue, using your original money that you paid in the first place

And if you've had a claim it would go up based on the claim

The way it is done now is to enable the most amount of people to be paying in with a limited amount of outgoings, whereas if it were done the way it should be fine there would be fold out there who would never be able to afford it and there would be less people in the road

But of course that would mean less cars in the road, less money going into motoring and less money for everyone

The plus side would be pollution decreasing and less risk to both driver and pedestrians and everything that goes with it
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Old 19-11-2015, 07:20 PM   #18
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Quote:
Originally Posted by Rod-Tarry View Post
Im with your lot & I was told after 2 years ive lost my ncb. Its about 18 months since I suspended cover whats your advice. Cheers Rod
Hi,
If you wanted to PM me your details I'd be happy to take a look at it for you.
Whilst we do have some schemes that will accept NCB up to 3 years old not all of them will.
Regards,
Dan.
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Old 19-11-2015, 08:19 PM   #19
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I have two lots of full no claims on 2 separate policy's. Also have full no claims on my bike insurance policy. If I quit one of them policy's after two years I'd loose the ncb. Even though I'd still have 2 other lots of full ncb I'd be classed as not able to use the lost ncb anymore as id be a risk lol total ripe off ncb. If you have a few cars your ncb should count on all

Last edited by ajamesc; 19-11-2015 at 08:21 PM.
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Old 19-11-2015, 09:35 PM   #20
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you can't use the car's ncb on a bike policy

or the other way around

or so i've heard

why is that then?
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Old 19-11-2015, 09:41 PM   #21
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Quote:
Originally Posted by dojj View Post
you can't use the car's ncb on a bike policy

or the other way around

or so i've heard

why is that then?
You can use bike on a car but not car on a bike. Some companies will give a big discount if you have full car ncb. Bikes are a lot harder to ride so I guess that's why there not take car ncb as road experience while insuring a bike

Last edited by ajamesc; 19-11-2015 at 09:42 PM.
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Old 19-11-2015, 10:44 PM   #22
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obviuos when you put it like that
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