I would suggest not cancelling at all and allow time to click on another year, but you'll need proof of NCD so you may have no choice (would become a second policy), and i can't see 11 years NCD being any different cost wise to 10 years...though i fully understand if this is a pride thing and nothing wrong with that at all.

Maybe see how much your present insurer wants for covering the new car for the three weeks (this is where the cheaper insurers bend you over with admin fees), or defer taking delivery of the new car for three weeks and have the new insurance in place for the day.

Or, depending on the new insurer have a chat with them tell them the dilemma and see what they can come up with, they might waive the three weeks bit and grant you the full years NCD as a welcoming present...this would be much easier to discuss face to face at somewhere like an NFU office where competence and customer service are still to be found, perish the thought of trying to have this conversation with a typical call centre.

edit.

If this car is brand new then NFU (for example) give two years 'car replacement' in the event of write off / theft as part of their comprehensive policy, no doubt others do similar, but not sure how this would work if you started the policy 3 weeks hence, best find out all implications and then decide.

Edited by gordonbennet on 08/12/2013 at 15:16

Most companies judge 5 years no claims as the maximum, with a few going up to 8 years. Surely your period of claim free years only gets broken if you make a claim.

Edited by Auristocrat on 08/12/2013 at 15:54

Your renewal notice normally arrives 3/4 weks b4 the renewal date.

Use it as your proof of NCB that you send to your new insurer - simple!

Check with your existing Insurance Company if there is any charge for cancelling.

Just over a month ago I gave my car to my daughter and cancelled the insurance with saga. It was paid for up to the end of November so I expected 3 weeks reimbursement.

Instead I received a demand for £41.00. Contacting them they explained there was a £50.00 cancellation fee. I wrote a strong letter pointing out that I had been insured with them for many years with no claims whasoever. They then apologised and cancelled the demand. Well worth checking......

wemyss