No Claims bonus not used for 3 years.

gudede

Hi folks,

I am wondering if any one can help with this?

Back in January 2012 I cancelled my insurance and went off to Australia. At this stage my no claims would of been over 5 years.

I will be looking to get a car insured in Ireland again soon but I'm wondering will any insurance company accept my no claims even though i havn't used it for over 3 years.

Cheers.

challengemaster

Nope, it expires after 2 years of non-use. Back to 0 NCB.

Senecio

Did you insure a car while in Australia? You may be able to transfer that NCB if so.

cupthehand1

I'm in the same boat myself (very few people will insure a car while in Australia, it's optional and rightly so in my view but that's a different story!!), so you're no claims bonus is wiped if it's left unused for more than two years as the poster above said

monkeysnapper

i did this a few years ago, moved from uk and didnt have a car in 3 years. loast my full ncb and had to pay 1500 to drive a 1.6.

to say i was gutted was a understatement!!!!

unkel

gudede wrote: »

I will be looking to get a car insured in Ireland again soon but I'm wondering will any insurance company accept my no claims even though i havn't used it for over 3 years.

It's gone. But have you been a named driver still on someone's policy in Ireland? Maybe a parent, a partner or a sibling?

That would considerably ease the pain, especially if you have been a named driver for many years and no claim was made

I got rid of my main car years ago and had a classic car which caused my own full NCB to expire

Got a sporty mid engined RWD small convertible myself last year with 0 NCB for about €370 for the year. Had been named driver on my wife's car for about 10 years though...

gudede

Thanks folks. No I didn't have insurance in oz and I was never down as a named driver.

I was sure there was one company that gave you 5 years to use the bonus but can't remember who. 😞

Blut2

2 years is such a ridiculously small amount of time to lose a full NCB in. You can spend 10 years building this up, then for lifestyle (or emigration) reasons don't use it for 2 years and suddenly you're deemed to be as inexperienced as a new driver - it's outrageous.

TheDoc

unkel wrote: »

It's gone. But have you been a named driver still on someone's policy in Ireland? Maybe a parent, a partner or a sibling?

That would considerably ease the pain, especially if you have been a named driver for many years and no claim was made

I got rid of my main car years ago and had a classic car which caused my own full NCB to expire

Got a sporty mid engined RWD small convertible myself last year with 0 NCB for about €370 for the year. Had been named driver on my wife's car for about 10 years though...

Very few insurers accept named policies when factoring in NCB. Think someone mentioned yesterday Aviva do, but I know my two years as a named driver is never factored into my NCB, and I've gone through a few different underwriters.

Thought I was being clever having two years as a named driver on my mothers policy before I even contemplated getting my own vehicle, but those two years are never factored in. I ask every renewal, and always get told named policy doesn't count.

Be interesting to know what insurers do accept it. I know Aviva as someone mentioned yesterday. Might be a significant discount for me going from 3yrs to 5 yrs.

Although probably the best thing I can do at the moment is get my full license

unkel

TheDoc wrote: »

Although probably the best thing I can do at the moment is get my full license

Completely different story if you don't have a full license!

If you do (and have had your full license for many years), you will get a significant discount for having been a named driver for a long time. How else do you think I got my low quote?

TheDoc

unkel wrote: »

Completely different story if you don't have a full license!

If you do (and have had your full license for many years), you will get a significant discount for having been a named driver for a long time. How else do you think I got my low quote?

Might have been the insurer involved? I remember at the time inquiring about it
and a few insurers said it was regardless of license level.

Might it be some insurers do factor it in and others dont? Someone mentioned yesterday Aviva do, I know speaking to Allianz and Liberty they don't regardless of license status.

CiniO

cupthehand1 wrote: »

I'm in the same boat myself (very few people will insure a car while in Australia, it's optional and rightly so in my view but that's a different story!!),

What do you mean it's optional?
AFAIK in Australia, same as nearly everywhere else, if you own a car, you need to have a third party insurance on it. Maybe it's included in REGO, but it's still an insurance cover.

Flying Abruptly

Know somebody who moved from France to Ireland and used their french no claims bonus cert. (after offical translation) to get no claims bonus here

Henry Ford III

CiniO wrote: »

What do you mean it's optional?
AFAIK in Australia, same as nearly everywhere else, if you own a car, you need to have a third party insurance on it. Maybe it's included in REGO, but it's still an insurance cover.

In Australia CTP is a state based scheme and only covers personal injury liability.

Comprehensive and Third Party Property insurance is sold separately to cover property damage and cover can be for events such as fire, theft, collision and other property damage.

Third Party Property Insurance covers damage to someone else's property or vehicle, but not your own vehicle.

Third Party Property Insurance with Fire and Theft is the same as above, but will cover your vehicle in the event of fire or theft up to the value stated on the policy

Comprehensive Insurance covers damage to your own property or vehicle as well as someone else's.

So cupthehand was right.

biko

gudede wrote: »

I was sure there was one company that gave you 5 years to use the bonus but can't remember who. 😞

Let us know if you ever find out. It is 2 years across the board so that would be handy to know.