How many years does your no-claims last if you sell the car and don't drive for 3 years?

Chris

The no-claims has nothing to do with whether you have a car to drive. It's your record when driving any car that will matter. The insurance company for your dad will have to determine if a no claims discount applies for his policy for you. Time doesn't stop when you stop driving.

Once you do get insurance again, they will ask about any claims you've had. If you've had none in the period of time that they look at, then you'll have the discount again. If you had one during that time, then obviously it won't apply. They don't ask you if you've had a lapse in driving. They just ask if you've had any at fault accidents in the past time frame.

Swampy_Bogtrotter

Some companies will honour your NCD for 3 years.
Some will only honour it for 2 years.

Going on as a named driver does not count towards your own NCD

Some companies like Direct Line are allowing their named drivers to build up NCD, but this is not transferable to other insurance companies. So when you want to take out a policy and make use of that NCD, you are forced to insure with Direct Line, as no other company will honour it.

accebs

Generally your no claims can be used for up to 2 years from when it was last used.After then it would not be accepted by most companies although if you are on someone elses policy then you may be given some sort of introductory discount.

Gordon C

I think you will lose it after 3 years, but not all insurance are the same..

c.j.davies

As a named driver under your father's policy check with the insurance company as some do and some don't. I know Directline is now doing no-cliams for named drivers.

GOLDILOCKS

You own ncb lasts for 2 years .
There are now some insurance co. that insure you for a car that is not yours and take your ncb into consideration but I don't know which . Maybe a broker can inform you and then go online !

brandiwine72

Even if you have no claims, your rate will go up for not having a prior insurance policy. Usually if your on someone else's policy and any one on that policy has a claim it rates all people on that policy with a claim. However that shouldn't follow you to another company and the no prior policy only last until your next renewal (usually 6 months), so it's not so bad. Have a safe trip,

oklatom

Surely you won't keep a policy active on a car you sold? If you don't have your own active policy, the next 3 years won't count.

clare p

you will have 2 years no claims depending on how you left your last insurer ...sometimes they dont pass on details

creviazuk

In the UK a persons 'no-claims' discount last ONLY two years (or rarely 3) - it doesn't matter what you insure - even a Â£100 scooter & keep it in the shed & never use it!! I'd seriously concider getting a cheap insurance policy for an old moped if your no-claim will make a difference when youwant to drive again - it will probably amount to around 50 or 60%. This IS legal!!

buzzin_benny

doesn't matter mate, it's ur all ya life,

jonnycabs1861

yes they last for 5 yrs & no if you go on ur dad insurance you cant build on urs

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