BOXAFROME1W

NCB - how long before you lose it?

8 posts in this topic

 

Appreciate I probably need to speak to Greenlight direct on Monday,  but does anyone on the forum know how long your NCB lasts between owning cars  ?   I currently have full NCB with Greenlight and planning to sell a well loved Boxster S 53 plate after 9 years of fun to buy a VW Camper. Looks like the lead time might be 5 months and don't want to lose NCB during this period......if I have to keep the Boxster for the summer so be it:) 

Any guidance would be appreciated.

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5 months will be fine with greenlight, however I wasn't able to protect my no claims if I had a gap inbetween my policies (I took a car off road for summer while I cycled to work)

Edited by Oggy172

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They just said they can't protect the ncd if there was a gap between policies (it was a few months, not days)

Edited by Oggy172

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From my experience, most insurance companies give up to '2 years' gap between policies to keep 'same level of no claims' providing you have the proof document, obviously some specialist insurers may be different but pretty sure that is standard. I have found some that will do a little longer maybe another 6 month but then only give partial discount for first year then back to full the next year. So you should not have an issue with only 6 months.

Regarding 'protection of no claims' like Oggy says this may not be allowed so you would need to double check as not 100% sure, but don't think I have had issues before, but I guess that is down to the broker getting an underwriter that will allow it.

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Oggy & Jons - really appreciate the helpful guidance and advice -  very positive to know will keep NCB. I'll start discussions with Greenlight tomorrow to clarify re protected no claims! Will post what I manage to achieve in due course.......

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Your NCB will last for up to 2yrs from the expiry date of the policy.

Its normally fine to protect the NCB even with a gap.

 

Kind Regards
Neil

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