Can I claim my NCD if I've taken over two years break from driving?

What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks

Can I claim my NCD if I've taken over two years break from driving?

I was without a car for 25 months, although I drove my wife's car as a named driver and had no claims in that time. Previously, I had 26 years NCD and only Admiral would allow this because they allowed three years break without driving. My renewal is now due and Admiral are not competitive. Although their renewal notice shows me as having 27 years NCD, if I were to switch to a company that only allows a two year break am I alright in claiming 27 years NCD or do I have to advise them of my 25 month break without a car?

Asked on 8 May 2017 by smitham

Answered by Honest John

Technically if you have not had insurance for two years, you have don't have any no claims because insurers will only take it into consideration up to that amount of time. Be transparent with them and explain the situation, DO NOT try and do this via an online price comparison site, either speak to a direct insurer or go through a broker and speak to them advising what you have here. Some insurers WILL take this into consideration and apply the FULL 6 years no claims.

Tags: insurance reducing insurance premiums no claims consumer advice admiral

Similar questions

My husband may get a driving ban - can I insure myself on a car that's in his name?

My husband and I are named drivers on each other's insurance policies. My husband may get a driving ban, what do we need to do about the policies? I can take him off mine but the other car is in his name....

I want a practical second car, would I be best taking out a multi-car policy?

I've had my Mazda MX5 for 15 years and have no intention of parting with it, but the load/tow car to which I've had access when necessary will soon become unavailable. I have a mind to buy something cheap...

Can I claim for an increase to my insurance premium, as well as for direct damage?

I saw you mention to someone else that it may be possible to claim for future increases in premiums due to another driver's error. Its been my intention to keep all potentially insurable events a secret...