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    car insurance NCB

    Just been covered by swiftcover.co.uk

    I said i had 1 years NCB which i do but i got it 4 years ago, Has it now expired? Or if i submit it to swiftcover they will accept it? Ive not used it since i got it.

    Anyone know? Also i havnt got the NCB paperwork anymore. But should be easy for the last insurer to re send it out?

    8 Comments

    NCB is only valid for 2 years.

    Beetplek;2782928

    NCB is only valid for 2 years.


    It's 3 years

    Banned

    Retaining Your No Claims Discount

    It's not always easy to maintain your no claims bonus as different insurers have different terms and conditions which ould result in a reduction or total loss of your discount. For example, while some insurers will honour your no-claims bonus if you haven't used it on a policy for anything up to 3 years, others impose a time limit of as little as 6 months. After this period your discount is invalid, even though it could have taken you five years to aquire.

    csiman;2782951

    Retaining Your No Claims DiscountIt's not always easy to maintain your no … Retaining Your No Claims DiscountIt's not always easy to maintain your no claims bonus as different insurers have different terms and conditions which ould result in a reduction or total loss of your discount. For example, while some insurers will honour your no-claims bonus if you haven't used it on a policy for anything up to 3 years, others impose a time limit of as little as 6 months. After this period your discount is invalid, even though it could have taken you five years to aquire.



    I've always found that its 3 years but check the T's and C's online.

    I sent off my proof of no claims last night - mine said 2 years

    Original Poster

    Your missing the point DAMNOME... basically i have 1 years NCB but i got it 4 years ago. Since then i have been second driver on insurance policies. But as other members said you cannot use a NCB you recieved 4 years ago as it expires. WHAT A RIP OFF. I might start saying my 3 points on my licence has expired and make my own rules up.

    Original Poster

    Just to let you know.

    The rule is, if you dont use your NCB WITHIN 12 months then it is classed as ZILCH. Just found out from my insurance company.

    Banned

    J4GG4;2823814

    Just to let you know.The rule is, if you dont use your NCB WITHIN 12 … Just to let you know.The rule is, if you dont use your NCB WITHIN 12 months then it is classed as ZILCH. Just found out from my insurance company.


    different insurance companies have different rules
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