No Claims, when not insured on a vehicle? How long do they last? - BMW 3-Series (E90 E92) Forum

dxb335d · 08-24-2011, 03:30 PM

I have like 5-6 years no claims.

I last insured a car in 09 and ended 2010.

I have heard if you don't insure a car within a time frame you can lose them?!

STUPID OR WHAT

Anyone know what it is though!?

peterg1965 · 08-24-2011, 03:33 PM

Usually 6 months Carlos.

dxb335d · 08-24-2011, 03:35 PM

EDIT, that does not even deserve a response.

RCUK · 08-24-2011, 03:38 PM

I was told 2 yrs when i left elephant in jan cos of company car..

dxb335d · 08-24-2011, 03:39 PM

Ok cool, 2 years from when the last one ended?

urfankhaliq · 08-24-2011, 03:53 PM

yes it is

dxb335d · 08-24-2011, 03:54 PM

fuck thats good. I have anothe year then.

Might insure the shitbox in the garage then.

urfankhaliq · 08-24-2011, 03:55 PM

you're right tho, its such a stupid rule!! how can you all of a sudden lose the no claims and become a less safe driver if u dont insure a car!!

peterg1965 · 08-24-2011, 04:02 PM

I stand corrected then

dxb335d · 08-24-2011, 04:04 PM

Quote:

Originally Posted by urfankhaliq

you're right tho, its such a stupid rule!! how can you all of a sudden lose the no claims and become a less safe driver if u dont insure a car!!

I agree!!! I'm insured on Miswah's car and have a company vehicle.

So why can't I just keep my no claims!

M3-FAST · 08-25-2011, 10:15 AM

Quote:

Originally Posted by dxb335d

Quote:

Originally Posted by urfankhaliq

you're right tho, its such a stupid rule!! how can you all of a sudden lose the no claims and become a less safe driver if u dont insure a car!!

I agree!!! I'm insured on Miswah's car and have a company vehicle.

So why can't I just keep my no claims!

Take it in turns to insure the miswahs car, prob better than insuring the Fezzie and never using it?

Just get a proof of no claims cert each year when the insurance is in the other halfs name!

AlanQS · 08-25-2011, 12:06 PM

I think some companies have a limit of 12 months and it is simply an excuse to put up your premium.

Desmondo · 08-26-2011, 02:37 PM

How about if you drive for a year or two in your early twenties then don't drive for 20 years and now want to insure a car in your forties? Should your no claims still count? OK, it's an extreme example but I can see why no claims has a time limit. 2 years is a little bit stingey though, should maybe be 5 years minimum.

Darkeeboy · 08-27-2011, 07:37 AM

Thats odd, when I was last insured with Bell, they told me my 15 years no claims would reduce by 1 year for every year I didnt have an insurance policy, capped at 5 years. This was a phone call discussion so I have no proof, but is in direct contrast to the answers above...

chrisbin · 08-27-2011, 08:20 AM

Providing you take out a new policy within 2 years of the last one, your NCD will still be valid. One of the reasons I bought the Eunos Roadster was to activate a policy and not lose my 9 years NCD.

dxb335d · 08-27-2011, 08:25 AM

Quote:

Originally Posted by Desmondo

How about if you drive for a year or two in your early twenties then don't drive for 20 years and now want to insure a car in your forties? Should your no claims still count? OK, it's an extreme example but I can see why no claims has a time limit. 2 years is a little bit stingey though, should maybe be 5 years minimum.

I am driving though, but on company insurance and also on Miswah's policy. So why should my no claims be taken away from me.

Hopefully they are currently still valid

Desmondo · 08-29-2011, 04:05 AM

You may well find that if you can show you've been insured on and driving other cars that they take that in to account

I had similar when I sold my car and bought a motorbike whilst being a named driver on my parents car for when I needed it. When I went to get insured for my own car a few years down the line they took my motorbike no claims in to account so I didn't start from scratch.

Kerr · 08-30-2011, 06:07 AM

I've just renewed my insurance through LV.

On their terms and conditions your NCB must have be earned within the last 12 months.

dxb335d · 08-30-2011, 07:18 AM

Won't go near those toss pots then.

08-24-2011, 03:30 PM	#1
dxb335d The Tarmac Terrorist Drives: E46 M3 Tiag/Imola Join Date: Mar 2007 Location: ''Fandango Towers'' Posts: 28,957 iTrader: (3) Garage List 2003 BMW E46 M3 [3.00] 2007 BMW E92 335D [2.75]	No Claims, when not insured on a vehicle? How long do they last? I have like 5-6 years no claims. I last insured a car in 09 and ended 2010. I have heard if you don't insure a car within a time frame you can lose them?! STUPID OR WHAT Anyone know what it is though!? __________________
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08-24-2011, 03:35 PM	#3
dxb335d The Tarmac Terrorist Drives: E46 M3 Tiag/Imola Join Date: Mar 2007 Location: ''Fandango Towers'' Posts: 28,957 iTrader: (3) Garage List 2003 BMW E46 M3 [3.00] 2007 BMW E92 335D [2.75]	EDIT, that does not even deserve a response. __________________

08-24-2011, 03:38 PM	#4
RCUK Major Drives: Travelcard ... Join Date: Dec 2008 Location: Orpington, Kent Posts: 1,361 iTrader: (4)	I was told 2 yrs when i left elephant in jan cos of company car.. __________________ Been there, done that, driven the 'Ring

08-24-2011, 03:39 PM	#5
dxb335d The Tarmac Terrorist Drives: E46 M3 Tiag/Imola Join Date: Mar 2007 Location: ''Fandango Towers'' Posts: 28,957 iTrader: (3) Garage List 2003 BMW E46 M3 [3.00] 2007 BMW E92 335D [2.75]	Ok cool, 2 years from when the last one ended? __________________

08-24-2011, 03:53 PM	#6
urfankhaliq Captain Drives: BMW 320D SE Auto Join Date: Apr 2010 Location: Bradford Posts: 657 iTrader: (0) Garage List 2003 BMW X5 [0.00] 2005 BMW 320D SE [0.00]	yes it is __________________ e90 320d SE Auto, Sparkling Graphite

08-24-2011, 03:33 PM	#2
peterg1965 Brigadier General Drives: 640d, V70, Mini Cooper Join Date: May 2007 Location: The place of dark satanic mills, UK Posts: 3,944 iTrader: (0)	Usually 6 months Carlos.

08-24-2011, 03:54 PM	#7
dxb335d The Tarmac Terrorist Drives: E46 M3 Tiag/Imola Join Date: Mar 2007 Location: ''Fandango Towers'' Posts: 28,957 iTrader: (3) Garage List 2003 BMW E46 M3 [3.00] 2007 BMW E92 335D [2.75]	fuck thats good. I have anothe year then. Might insure the shitbox in the garage then. __________________

08-24-2011, 03:55 PM	#8
urfankhaliq Captain Drives: BMW 320D SE Auto Join Date: Apr 2010 Location: Bradford Posts: 657 iTrader: (0) Garage List 2003 BMW X5 [0.00] 2005 BMW 320D SE [0.00]	you're right tho, its such a stupid rule!! how can you all of a sudden lose the no claims and become a less safe driver if u dont insure a car!! __________________ e90 320d SE Auto, Sparkling Graphite

08-24-2011, 04:02 PM	#9
peterg1965 Brigadier General Drives: 640d, V70, Mini Cooper Join Date: May 2007 Location: The place of dark satanic mills, UK Posts: 3,944 iTrader: (0)	I stand corrected then

08-25-2011, 12:06 PM	#12
AlanQS Colonel Drives: 320d SE Coupe Join Date: Jan 2008 Location: Glasgow Posts: 2,447 iTrader: (0) Garage List 2008 320d SE Coupe [0.00]	I think some companies have a limit of 12 months and it is simply an excuse to put up your premium. __________________

08-26-2011, 02:37 PM	#13
Desmondo First Lieutenant Drives: E90 330i M-Sport Join Date: Feb 2011 Location: Braintree, Essex Posts: 365 iTrader: (0)	How about if you drive for a year or two in your early twenties then don't drive for 20 years and now want to insure a car in your forties? Should your no claims still count? OK, it's an extreme example but I can see why no claims has a time limit. 2 years is a little bit stingey though, should maybe be 5 years minimum. __________________

08-27-2011, 07:37 AM	#14
Darkeeboy Private First Class Drives: 520d Join Date: Nov 2008 Location: Worcestershire Posts: 131 iTrader: (0)	Thats odd, when I was last insured with Bell, they told me my 15 years no claims would reduce by 1 year for every year I didnt have an insurance policy, capped at 5 years. This was a phone call discussion so I have no proof, but is in direct contrast to the answers above...

08-27-2011, 08:20 AM	#15
chrisbin Colonel Drives: M-Benz C250CDi Est Join Date: May 2005 Location: S.Wales, UK Posts: 2,300 iTrader: (1)	Providing you take out a new policy within 2 years of the last one, your NCD will still be valid. One of the reasons I bought the Eunos Roadster was to activate a policy and not lose my 9 years NCD. __________________ Current - M-Benz C250Cdi Sport Plus Auto Est. Previous - Alpina D3 BiTurbo E90 LCI Manual, 320d M Sport E92 Auto, 330i M Sport E92 courtesy of BMW UK....320i M Sport E92 Auto, 320d SE E90 Manual.

08-29-2011, 04:05 AM	#17
Desmondo First Lieutenant Drives: E90 330i M-Sport Join Date: Feb 2011 Location: Braintree, Essex Posts: 365 iTrader: (0)	You may well find that if you can show you've been insured on and driving other cars that they take that in to account I had similar when I sold my car and bought a motorbike whilst being a named driver on my parents car for when I needed it. When I went to get insured for my own car a few years down the line they took my motorbike no claims in to account so I didn't start from scratch. __________________

08-30-2011, 06:07 AM	#18
Kerr Colonel Drives: 08' 335i Coupe Join Date: Dec 2010 Location: Aberdeen Posts: 2,701 iTrader: (0)	I've just renewed my insurance through LV. On their terms and conditions your NCB must have be earned within the last 12 months.

08-30-2011, 07:18 AM	#19
dxb335d The Tarmac Terrorist Drives: E46 M3 Tiag/Imola Join Date: Mar 2007 Location: ''Fandango Towers'' Posts: 28,957 iTrader: (3) Garage List 2003 BMW E46 M3 [3.00] 2007 BMW E92 335D [2.75]	Won't go near those toss pots then. __________________

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