Retaining no claims bonus without a car

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Retaining no claims bonus without a car #1539442 27/05/2015 21:52 27/05/2015 21:52
Joined: Dec 2005 Posts: 5,895 2011 and 2015 FCCUK F1 Champ. B bezzer OP Forum is my life
bezzer OP Forum is my life B Joined: Dec 2005 Posts: 5,895 2011 and 2015 FCCUK F1 Champ.	Forum power required! My daughter is off to Uni in September and she's decided she can't afford to keep her car while she's there. She'll have accumulated 1 years No Claims discount in a couple of weeks and then she's going to sell her Yellow Bug. What happens to her No Claims, can she keep them until she gets another car in a year or 2 or are they toast? ......My Boy...... (PB #7)

Re: Retaining no claims bonus without a car [Re: bezzer] #1539451 27/05/2015 22:23 27/05/2015 22:23
Joined: Jul 2012 Posts: 1,650 Dark side of the Moon H_R My life on the forum
H_R My life on the forum Joined: Jul 2012 Posts: 1,650 Dark side of the Moon	From what I understand you can keep them for 1 year then they become null I'm currently only insured on a classic policy which does not use ncb and wife insured to get her own ncb level up currently the insurer has honoured my wife with my ncb as she has always been named driver on my insurance, but will go back to 1 year at end of year, but I have got to change my policy to use my ncb at renewal so I don't loose my 15 odd years ncb Nothing is straight forward with insurance and my daughter will be 17 in June so the whole insurance for 17 year olds is about to hit us

Re: Retaining no claims bonus without a car [Re: H_R] #1539455 27/05/2015 22:43 27/05/2015 22:43
Joined: Jun 2006 Posts: 6,144 Southampton, Hants Roadking Club member 1809
Roadking Club member 1809 Forum is my life Joined: Jun 2006 Posts: 6,144 Southampton, Hants	I think its 2 years, it certainly used to be. "RK's way seems the most sensible to me". ali_hire 16 Dec 2010

Re: Retaining no claims bonus without a car [Re: Roadking] #1539462 27/05/2015 23:29 27/05/2015 23:29
Joined: Dec 2005 Posts: 19,939 North wales pinin_prestatyn Forum veteran
pinin_prestatyn Forum veteran Joined: Dec 2005 Posts: 19,939 North wales	Was 2 years last time I checked (2009). Coopless!

Re: Retaining no claims bonus without a car [Re: bezzer] #1539464 27/05/2015 23:41 27/05/2015 23:41
Joined: Dec 2005 Posts: 1,309 Pontefract, West Yorkshire andyps Club member 1482
andyps Club member 1482 My job on the forum Joined: Dec 2005 Posts: 1,309 Pontefract, West Yorkshire	When my daughter moved to London and stopped needing a car (and couldn't really afford it either!) she was able to keep the NCB for 2 years or 3 if she took out another policy with the same insurer - Privilege. As she still owned a car (1977 Mini) which is on our drive just before the end of the third year she insured it on the minimum basis she could to keep the NCB alive, at about £150 it seemed worthwhile. Andy

Re: Retaining no claims bonus without a car [Re: bezzer] #1539465 27/05/2015 23:58 27/05/2015 23:58
Joined: Dec 2005 Posts: 1,673 SW London Rudidudi My life on the forum
Rudidudi My life on the forum Joined: Dec 2005 Posts: 1,673 SW London	we did the same. put some insurance on an old mini. it didnt accrue more no claims but it meant that the 2 years was extended - and effectively renewed. better to spend 100 quid than to lose 4 or 5 years no claims

Re: Retaining no claims bonus without a car [Re: Rudidudi] #1539473 28/05/2015 08:31 28/05/2015 08:31
Joined: Dec 2005 Posts: 5,895 2011 and 2015 FCCUK F1 Champ. B bezzer OP Forum is my life
bezzer OP Forum is my life B Joined: Dec 2005 Posts: 5,895 2011 and 2015 FCCUK F1 Champ.	Many thanks for the replies guys. I'll get her to have a chat to her current insurer and see what they say. @H_R My daughter has a 1.6 X reg Beetle. She's with Tesco and has a Telematics box fitted. With my wife and I as named drivers she pays £860 a year. Having the box and a couple of oldies on the policy reduces the premium quite a bit. ......My Boy...... (PB #7)

Re: Retaining no claims bonus without a car [Re: bezzer] #1539499 28/05/2015 11:20 28/05/2015 11:20
Joined: Jul 2012 Posts: 1,650 Dark side of the Moon H_R My life on the forum
H_R My life on the forum Joined: Jul 2012 Posts: 1,650 Dark side of the Moon	Cheers Bezzer! Oldies, hope you weren't insinuating!

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