Michelle Rendall

How long does no claims discount last for?

I have recently gained 5 years no claims bonus but now I no longer have my own car/policy & I am a named driver on my boyfriend's policy. Is there a time limit to how long my ncb is valid for without having my own policy/car?


Michelle Rendall  (Level 1)
14 Aug 2016 16:09, updated
01 Mar 2010, published
Answers (1)
gices  (Level 5)
01 Mar 2010 13:46

Most insurers will only count no claims bonus (NCB) within the last 2 years but there are no set standards regarding this at the moment.

This means that if you don't drive for a period not exceeding two years and then decide to become a policyholder again, you will be able to use that no claims discount (NCD) you accumulated before but if the elapsed time between you getting your own policy and last held one is greater than 2 years, then you will start back to square one, that is, zero no claims bonus.

You should note that whilst many insurers will consider your NCD expired if not used on a policy within 2 years, some however may have different timescale for expiration of the said no claims. This is why it is important to contact your current insurer to discuss this as they will be the one to provide you with a statement of NCB held with them on renewal.

It is said that no claims discount expires if you don't use it but since you will be going as a named driver, you will be using your 5 year no claims on your boyfriend's policy. Although you most certainly would not accumulate any more no claims discount, it might be possible that your current no claims is kept 'alive' because you're still driving as a named driver. This depends from insurer to insurer and like I've said before, your best call of action is to get in touch with your current car insurance company to find out these details.

Comments (1)
anonymous  (Level 2)
24 Sep 2013 15:46

I have been driving for over 20 years and have held car insurance in my name a long time ago so can I trace what no claims bonus I have built up as I cannot remember which insurance companies I have used in the past.