Same problem I'm having now, I put my cars on dads trade policy in 2008, I had 3 years no claims then with Adrian flux. Problem I'm having now is I want to insure my cars seperate due to the broker messing my father up aswell as me. Anyways I have now been told I have expired no claims bonus and my cheapest micra quote is 1800, I'm 26 and 2400 on the supra fully comp. It annoys me that I was not informed in anyway that my no claims would expire, neither did my broker tell me that my no claims would not be added . Back in 2008 my micra with 3 points and no claims was 800!!!!