Not really sure about no claims bonus.

Nhscmars

I crashed a car around August 2009 and my insurance covered the cost of the accident. I bought another car shortly afterwards and used it until Nov 2009, then sold it to go traveling. I haven't had a car since.

So what's my no claims bonus? Is it 4 years? Or zero years?

Thanks.

Chimaera

You typically earn 1 year's NCB per year of claims-free driving i.e. for each year you hold an insurance policy without making a claim, you earn 1 year's NCB. Different companies will allow differing discounts for each year's NCB and there's usually an upper limit applied.

If you discontinue your policy, there's usually an expiry set on the NCB. This will be set by your potential new insurer - it's down to how large an uninsured gap they're willing to allow.

In your case, I'm assuming you haven't had insurance in your own name in 4 years and this was following an accident for which you claimed. Unless you had a protected NCB, your NCB would have been eliminated at that point. If you have not had insurance in the intervening 4 years, you're starting from scratch.

Anan1

Yup, you have no NCB. You also have a claim on record within the past 5 years, which many potential insurers won't like.

djimi

Even if you had a full NCB at the time of the policy expiring it would almost certainly be gone, as a NCB is only valid for (usually) two years after the last policy expires.