Ricky49 Posted December 31, 2011 Share Posted December 31, 2011 My supra is currently not insured do to Sky wanting £1000 and I haven't had the time to ring a around yet. Built I'm thinking of not getting it insured until spring. What happens with my no claims as I currently have 10 years, how long can you have no insurance and still say you have x amount of no claims. Any ideas??? Quote Link to comment Share on other sites More sharing options...
Abz Posted December 31, 2011 Share Posted December 31, 2011 Ignore me. Quote Link to comment Share on other sites More sharing options...
Geo Posted December 31, 2011 Share Posted December 31, 2011 Unless the car is sorn'd you have to insure it bud. Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted December 31, 2011 Author Share Posted December 31, 2011 It is sorned Pocahontas Quote Link to comment Share on other sites More sharing options...
ScottC Posted December 31, 2011 Share Posted December 31, 2011 They only last for two years. Quote Link to comment Share on other sites More sharing options...
Geo Posted December 31, 2011 Share Posted December 31, 2011 It is sorned Pocahontas Well in that case your go to go twinkle toes. 1k for insurance though, blimey. i got mine for 650 through LW, and that was with an agreed value of 18k Quote Link to comment Share on other sites More sharing options...
Graham1984 Posted December 31, 2011 Share Posted December 31, 2011 I thought you had to have continuous insurance to keep your ncb??? I am special so I am also likely to be wrong. Quote Link to comment Share on other sites More sharing options...
Dnk Posted December 31, 2011 Share Posted December 31, 2011 They only last for two years. Thats what i was told by an ins comp too, perhaps Sky could shed some light on this ! or call your broker Quote Link to comment Share on other sites More sharing options...
tomgeer Posted December 31, 2011 Share Posted December 31, 2011 Try Livingstone Warman in somerset for a good quote, they seem to go for the cheapest possible price straight in without p#ssing about with daft opening quotes. Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted December 31, 2011 Author Share Posted December 31, 2011 Cheers Geo will look into it thanks. Quote Link to comment Share on other sites More sharing options...
Dnk Posted December 31, 2011 Share Posted December 31, 2011 Try Livingstone Warman in somerset for a good quote, they seem to go for the cheapest possible price straight in without p#ssing about with daft opening quotes. Agreed Quote Link to comment Share on other sites More sharing options...
dangerous brain Posted December 31, 2011 Share Posted December 31, 2011 I was last told its two years that you can hold your NCB for not on a policy. To be fair you could insure a wreck of a 2cv whilst you waited if necessary Quote Link to comment Share on other sites More sharing options...
Abz Posted December 31, 2011 Share Posted December 31, 2011 WTF! Since when has this been in place? 2 years is a short time, imagine if you built up 15 years & then lost it! Quote Link to comment Share on other sites More sharing options...
Dnk Posted December 31, 2011 Share Posted December 31, 2011 WTF! Since when has this been in place? 2 years is a short time, imagine if you built up 15 years & then lost it! Been there and done that, this is the wonderfull world of insurance for you Quote Link to comment Share on other sites More sharing options...
Graham1984 Posted December 31, 2011 Share Posted December 31, 2011 I thought most insurance company's max out at 5years for ncb anyway for when you take a policy and then it was a case of getting protected no claims? Quote Link to comment Share on other sites More sharing options...
Dnk Posted December 31, 2011 Share Posted December 31, 2011 Protecting your no claims makes no differance, if you dont use the no claims you have for longer than 2 years they become invalid Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted December 31, 2011 Author Share Posted December 31, 2011 Protecting your no claims makes no differance, if you dont use the no claims you have for longer than 2 years they become invalid That's the answer I was looking for. It will be insured before then, I just haven't had the time with going on holiday, Christmas and new year. Cheers Quote Link to comment Share on other sites More sharing options...
Graham1984 Posted December 31, 2011 Share Posted December 31, 2011 I meant that I thought 5years ncb was the maximum you could lose if you didn't renew your policy in the time limit you guys were on about as the opening post said they had 10 but I thought company's max out at 5 when you get a quote. I don't know why I even mentioned protected no claims as that's for crashes and nothing to do with renewing... I am a spaz. Quote Link to comment Share on other sites More sharing options...
Dnk Posted December 31, 2011 Share Posted December 31, 2011 I meant that I thought 5years ncb was the maximum you could lose if you didn't renew your policy in the time limit you guys were on about as the opening post said they had 10 but I thought company's max out at 5 when you get a quote. I don't know why I even mentioned protected no claims as that's for crashes and nothing to do with renewing... I am a spaz. Dont be so hard on yourself Quote Link to comment Share on other sites More sharing options...
Abz Posted December 31, 2011 Share Posted December 31, 2011 Been there and done that, this is the wonderfull world of insurance for you Sorry to hear that Dunk Quote Link to comment Share on other sites More sharing options...
AJI Posted January 2, 2012 Share Posted January 2, 2012 My supra is currently not insured do to Sky wanting £1000 and I haven't had the time to ring a around yet. Built I'm thinking of not getting it insured until spring. What happens with my no claims as I currently have 10 years, how long can you have no insurance and still say you have x amount of no claims. Any ideas??? To keep no-claims running on a policy I think you have to keep a policy running. If you have a period of not holding any insurance policy then you release the no-claims that have built up on it. (I think). You also require to have insurance on a vehicle even when SORN'd IF the vehicle is on public land. If you keep it on private land then you can SORN and let the insurance run out or cancelled. Official blurb : http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696?CID=Continuous_Insurance&PLA=DM&CRE=Furl http://www.direct.gov.uk/en/Motoring/OwningAVehicle/UntaxedVehicle/DG_069727 Quote Link to comment Share on other sites More sharing options...
Sheefa Posted January 2, 2012 Share Posted January 2, 2012 Ricky I work for Zurich Insurance. 2 Years is standard practice, some brokers/insurers will be more flexible if you have had use of another vehicle during that period providing no accidents/claims have been incurred. Greg Quote Link to comment Share on other sites More sharing options...
Sheefa Posted January 2, 2012 Share Posted January 2, 2012 Protecting your no claims makes no differance, if you dont use the no claims you have for longer than 2 years they become invalid As per last post, not entirely true. If you have use of another vehicle during this time (accident & claim free) then there is a degree of flexibility. I sold my Supra in 2007 and purchased our BMW in late 2009. Due to the fact I was driving a company car and various lease cars between 2007-2009 I could carry over my NCB even though technically it should of expired. Direct Line were fine with this, Zurich would be too as many other insurers would. Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted January 2, 2012 Author Share Posted January 2, 2012 Ricky I work for Zurich Insurance. 2 Years is standard practice, some brokers/insurers will be more flexible if you have had use of another vehicle during that period providing no accidents/claims have been incurred. Greg Ok thanks, I have access to the wife's car. Hopefully it will be insured by the weekend. Quote Link to comment Share on other sites More sharing options...
Morpheus Posted January 2, 2012 Share Posted January 2, 2012 Regarding NCB's, you do need to be very careful, as for example, I've never made a claim or had any against me but in 18 years of nearly continuous car ownership, I still have only 10 years NCB. 9 years used to be the maximum, so it just stopped being counted, since it gave a maximum 60% discount. Now you have Admiral, (my current insurer), telling me I have 1 year of 'Admiral NCB' (and their website allows up to about 35 years NCB to be entered for a quote). Presumably they'll convert it back to 'actual years' when I cancel. Btw, if you want your NCB to accrue faster, keep any policy until it expires, even if you've sold the vehicle, unless a pro-rata refund is worth more, of course, say after only 5 months. This could conflict with my next point though. The thing that gets me the most is that your no claims bonus or discount is not linked to you as the driver but specific vehicles, so you have to choose which one to use it on if you have more than one and any others won't be discounted. This means that if you buy a car and insure it, then buy another before you sell the first but need to insure the second, if you then sell the first car you can't transfer the NCB to the second and continue it until the policy renews in nearly a year, for example. It can very easily become discontinuous and years lost just in the normal course of replacing vehicles if you overlap them. I mean, not everyone buys a car then sells it then buys another without insurance policies needing to be in place on two vehicles at one time, therefore causing a break in the no claims period. It's all B@ll@cks if you ask me. Which you didn't Quote Link to comment Share on other sites More sharing options...
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