Just wanted to share this in case anyone else falls into the same trap!
I had to claim on a car Insurance policy in 2004 unfortunately therefore having to start building up my NCB all over again in 2005 when it was up for renewal. I thought I would take out a 10mth bonus accelarator policy which I did. I did this again in 2006 and by 4th Dec 2006 had accrued 2 years worth of No Claims Bonus. Yippee.
However, what I did next I now regret! I used the comparison sites to get the best quote, and for my particular car, a 1.8 MG it was cheapest to go with Lancaster Insurance. I was quite happy with them and so used them for a second year, so was with them for 2 full years altogether. Now, in Dec 2008 armed with 4 years of No Claims Bonus's (or so I thought) I decided to shop around for the best deal.
However, what I didn't realise is that with Lancaster Insurance, no bonus is accrued for the entire time you are with them!! So be aware anyone using these!
Not only that, because they don't give a quote based on your No Claims Bonus's from other companies, neither do they aks for any once your policy commences. I have just been informed by them that had I sent in my previous 2 years No Claims Bonus's for the 2 x 10 month policies that I took out prior to going with them, then they would have been added to my account and I would have at least got 2 years NCB to carry forward, but now I have none, because if they are not added to an new Insurance Policy within 2 years then they are lost.
Now I have 0 (ZERO) No Claim Bonus aaaaaarrrrrggggggghhhhhhhh even though I have 4 years of clean driving, all because I didn't know the system!!! I am so annoyed and wish I had known. I asked Lancaster why they didn't mention this earlier, and why they didn't ask me for my NCB they said they just don't. Great!
Back to square one - don't let this happen to you!