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Car insurance claim & NCD expiry

  • 06-03-2015 8:22pm
    #1
    g.a.b.e.
    Registered Users, Registered Users 2 Posts: 40 ✭


    Last year I was involved in a RTA which caused my car to be taken off the road.

    Liability is still in dispute so I have had to purchase another car in the meantime.

    Now due to the location of my workplace, I have decided to move home. So I no longer need a car to commute. I will surely sell my car after the move.

    Here's the question:

    Will my no claims discount expire after a couple of years without a policy?

    If so, I could just claim on my own insurance because I will lose my NCD anyway, and it will end the ongoing dispute?

    All responses are much appreciated.

    Cheers


Comments

  • #2
    bazz26
    Registered Users, Registered Users 2 Posts: 51,363 ✭✭✭✭bazz26


    NCB usually expires after 2 years here. Cannot answer your other question.


  • #3
    goz83
    Registered Users, Registered Users 2 Posts: 8,035 ✭✭✭goz83


    I can't see how it would end the disputed liability.


  • #4
    g.a.b.e.
    Registered Users, Registered Users 2 Posts: 40 ✭g.a.b.e.


    bazz26 wrote:
    NCB usually expires after 2 years here. Cannot answer your other question.

    Well it would mean I no longer have to pursue the third party, because my insurer will then try to recover the cost of my claim. It will no longer be my responsibility.


  • #5
    goz83
    Registered Users, Registered Users 2 Posts: 8,035 ✭✭✭goz83


    g.a.b.e. wrote: »
    Well it would mean I no longer have to pursue the third party, because my insurer will then try to recover the cost of my claim. It will no longer be my responsibility.

    And if they don't, if you decide to drive in the next 5 years, you'll not only be without your NCD, you'll have a claim to declare.


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