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BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > Regional Forums > UK > UK Off-Topic Discussions > No Claims, when not insured on a vehicle? How long do they last?



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      08-24-2011, 03:30 PM   #1
dxb335d
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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, 03:33 PM   #2
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Usually 6 months Carlos.
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      08-24-2011, 03:35 PM   #3
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EDIT, that does not even deserve a response.
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      08-24-2011, 03:38 PM   #4
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I was told 2 yrs when i left elephant in jan cos of company car..
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      08-24-2011, 03:39 PM   #5
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Ok cool, 2 years from when the last one ended?
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      08-24-2011, 03:53 PM   #6
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yes it is
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      08-24-2011, 03:54 PM   #7
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fuck thats good. I have anothe year then.

Might insure the shitbox in the garage then.
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      08-24-2011, 03:55 PM   #8
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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!!
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      08-24-2011, 04:02 PM   #9
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I stand corrected then
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      08-24-2011, 04:04 PM   #10
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Quote:
Originally Posted by urfankhaliq View Post
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!
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      08-25-2011, 10:15 AM   #11
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Quote:
Originally Posted by dxb335d View Post
Quote:
Originally Posted by urfankhaliq View Post
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!
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      08-25-2011, 12:06 PM   #12
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I think some companies have a limit of 12 months and it is simply an excuse to put up your premium.
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      08-26-2011, 02:37 PM   #13
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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.
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      08-27-2011, 07:37 AM   #14
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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...
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      08-27-2011, 08:20 AM   #15
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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.
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      08-27-2011, 08:25 AM   #16
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Quote:
Originally Posted by Desmondo View Post
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
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      08-29-2011, 04:05 AM   #17
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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.
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      08-30-2011, 06:07 AM   #18
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I've just renewed my insurance through LV.

On their terms and conditions your NCB must have be earned within the last 12 months.
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      08-30-2011, 07:18 AM   #19
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Won't go near those toss pots then.
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