Going To Oz For A Year, Question About My Car Insurance

STIG83

Im going to Perth in September for a year, im holding on to my car.
My question is my insurance is up the end of October, when i get word to renew it, ill just ignore it or should i let my Insurance provider know im going away? will this affect my no claims bonus?
This the normal process?
Thanks

No harm letting them know why you are not renewing Ring them in September and ask can you freeze it, if they allow you to when you come back there'll be a month or two on it. NCB won't go off for 2 years.

STIG83

RoverJames wrote: »

No harm letting them know why you are not renewing Ring them in September and ask can you freeze it, if they allow you to when you come back there'll be a month or two on it. NCB won't go off for 2 years.

Thanks for the reply, what i have in bold above, what do you mean?

Years back I had an insured car that I didn't need to use for a while, I froze the insurance on it, months later I got rid of it so cancelled the policy, they refunded the balance to me from the date of freezing, the NCB they gave me was upto when I cancelled it though, not up to when I froze it

galwaytt

STIG83 wrote: »

Thanks for the reply, what i have in bold above, what do you mean?

For a policy expiring in October, and you leaving in September, there's nothing to freeze. Most policies lose 3 mths on day one, so from month 9, there's no 'credit' left to claim.

OP, no need to do anything, but do make sure you keep your NCB letter when it arrives with your renewal, as your NCB WILL expire within 2 years.

If you're not sure what to do at the 2yr mark, renew it anyway, just to keep it, even on TPO basis.

STIG83

galwaytt wrote: »

For a policy expiring in October, and you leaving in September, there's nothing to freeze. Most policies lose 3 mths on day one, so from month 9, there's no 'credit' left to claim.

OP, no need to do anything, but do make sure you keep your NCB letter when it arrives with your renewal, as your NCB WILL expire within 2 years.

If you're not sure what to do at the 2yr mark, renew it anyway, just to keep it, even on TPO basis.

Thanks again for the advice everyone.

galwaytt

Enjoy Perth you lucky b'sterd.

padma

On my last renewal letter, it said that if I do not contact them about my renewal quote they will assume that it is excepted and will therefore continue to receive payments by direct debit. This was of course a monthly DD. sO REMEMBER TO RING AND CANCEL WITH THEM JUST IN CASE.

TestTransmission

RoverJames wrote: »

Years back I had an insured car that I didn't need to use for a while, I froze the insurance on it, months later I got rid of it so cancelled the policy, they refunded the balance to me from the date of freezing, the NCB they gave me was upto when I cancelled it though, not up to when I froze it

I've paused insurance before and got 6 months NCB out of it aswell,if I had paid my renewal while It was paused I would of continued to gain more.

STIG83

padma wrote: »

On my last renewal letter, it said that if I do not contact them about my renewal quote they will assume that it is excepted and will therefore continue to receive payments by direct debit. This was of course a monthly DD. sO REMEMBER TO RING AND CANCEL WITH THEM JUST IN CASE.

I dont pay by DD but i will let know that im going away anyway.

Anan1

galwaytt wrote: »

For a policy expiring in October, and you leaving in September, there's nothing to freeze. Most policies lose 3 mths on day one, so from month 9, there's no 'credit' left to claim.

That's often true, but there are exceptions. I cancelled an Aviva classic policy last year after two months and got a full pro rata refund. I'd ask anyway.

STIG83

Im going to Perth the 1st of September and my insurance is up the 19th of October.