How many years NCD do I have?

Is 9 years no claims the maximum?

Proof of no-claims when your no-claims bonus is higher than your new insurer's maximum. You may go to a new insurer with a higher amount of no-claims bonus than they will accept – for example, if you have 9 years no-claims bonus, but the maximum they apply is 4.

How do I find out how many claims I have?

The easiest may be to ask your existing car insurance provider for details of any claims you've made in the past. This information could include the date of any claims, the type of claims, how much was paid out, and details of any injuries. Alternatively, you could contact the Claims and Underwriting Exchange (CUE).

Can I use NCD on 2 cars?

Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.

Can you lie about no claims bonus?

Not only is it illegal, it also means you're not earning your No Claims Discount, which can represent HUGE savings in the long run.

Can you protect 3 years NCB?

You can pay to guarantee or protect your NCB. 'Guaranteed' means a claim won't reduce your bonus but you won't get extra discount that insurance period. 'Protected' allows two claims in three years before the bonus is reduced, and, again, you won't get any discount in that period.

Can I protect 1 year NCB?

Your proof of NCB will usually only be valid for two years, although this will depend on the insurer. So if you are planning on taking a break from driving for more than two years, you might have to start from scratch with your next car insurance.

Is NCD worth protecting?

A no claims discount (NCD) can play an important part in lowering your annual insurance premium. If you do not make a claim on your car insurance, then your insurer is not required to pay out. By default, this implies you are a safer driver and therefore cheaper to cover.

How long does NCD last without insurance?

Your no-claims bonus (usually) lasts for 2 years

If you haven't had your own car insurance for a little while (maybe you sold your car, stopped driving or moved overseas), most car insurance companies will honour your old no-claims discount when you take out new cover.

What is the maximum no-claims bonus?

In reality, most insurance providers cap the maximum no-claims discount at around five years. Some insurance companies do go beyond this - you might find an insurer willing to give you a discount on eight or nine years' worth of no-claims. And having those extra years could come in handy.

Can I insure 3 cars in my name?

Yes, you can have multiple named drivers as well as multiple cars on your policy – though check with your insurer to see how this would impact your cover or premiums.

How long do insurers keep records?

Insurance Records with an (Employers Liability element) – 60 years. Liability records (other than Employers Liability) – 12 years. Other General Insurance Records – 7 years.

How do I check my insurance claim?

How long is NCB valid for?

The expiry period for an unused no claims bonus is two years after you've cancelled your last policy. So if you have taken a break from driving but you don't want to lose your NCB, you'll have to take out a new policy within two years to carry on where you left off.

What happens to NCD after a claim?

For your first fault claim, you will lose only 2 years of NCD (unless you have more than 5 years NCD then it will fall to 3 years after your first claim). What happens if I have NCD protection? If you have purchased NCD protection, you can make up to two fault claims before your No Claims Discount is reduced.

Does 1 year NCB make a difference?

The amount of discount earned increases with each year of claim-free driving. So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years. Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

Do I lose my no claims if I don't drive for a year?

How long does no claims bonus last? So long as you've always got car insurance, your no claims discount will remain intact up until the point you need to make a claim. However, if you don't have car insurance for one or two years, you could stand to lose all the years of no claims discount you've built up.

Do you lose your no claims bonus?

When you make a claim on your policy you'll usually lose some or all of your NCB if your insurer has to pay out – even if it's not your fault. How much of it you actually lose depends on how many years NCB you have, as well as the insurer. After an accident, there might be some situations where your NCB isn't affected.

Does NCD have to be continuous?

That depends on your insurance provider and how long it's been since you last had cover. Many insurance providers will say a no-claims discount is invalid if there's a break in your car insurance of two years or more. But other providers may go to three years.

Is it worth protecting 4 years no claims?

As a driver with four or five years of claim-free driving behind you, you may be tempted to pay an extra fee to keep your history clean. This protection typically adds 5%-10% to your annual premium. Whether it's worth the price is debatable, especially if you don't make a claim for a number of years.

Can I transfer my NCD to my wife?

Yes, but this only applies to couples who are married or in a civil partnership it does not apply to co-habiting couples. It can only be switched once so cannot be switched back.