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Why do I lose my No Claims Bonus if I lose my Motability entitlement?
I've recently been awarded the new P1P on the Motability scheme (no VAT) and have put a deposit on a new Mercedes-Benz GLA. After three years I'll be re assessed for my disability. If I lose my Motability entitlement, my full No Claims Bonus will not be honoured and I'll have to start again with no NCB. Is this correct? Apparently when you buy a car on the Motability scheme it comes with RSA insurance included.
Asked on 23 May 2018 by
Answered by
Honest John
Technically the car is owned and operated by RSA with insurance you have not paid for. As such, you cannot pass your no claims entitlement on to them. Contact them and request they make note of your previous history. It's becoming less common that proof of no claims is requested because insurers already have the details on their database. If you lose your Motability entitlement, you can still request your claims history from RSA. As long as you can prove that you've made no claims, the new insurer should then credit your full NCB.
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