No claims. 2year lapse

Renno123

Hi all. I am wondering if someone knows of an insurance company that accepts no claims bonus that is just over 2years lapsed. I had 5or6years no claims bonus, sold my car and ended up going on my mothers policy for 2years for practicality. I didnt realise I would loose my no claims but thats what I was told when I went to get my new policy.
Just wondering if anyone has been in similar situation and found a company to take my no claims.

Thanks

5W30

Once it has expired that's it, you have to start from zero.

No insurance company will take a NCB that has expired.

delahuntv

Go to a broker - they'll usually can do something. Tell them you also want information on starting a pension - they'll try harder on the car insurance for you

my3cents

Happened to me and shopping around I got credit for all but a year of the full no claims I had previously.

Renno123

Thanks. I suppose I should request proof of no claims discount off previous insurer

ION08

I believe FBD count named driving experience as .5 yrs ncb so 2yrs named experienced is considered 1 yr NCB and therefore a continuation of your own previous NCB.

my3cents

Renno123 wrote: »

Thanks. I suppose I should request proof of no claims discount off previous insurer

Its only valid for 2 years and after that I not sure they will bother. Try both the previous insurer and your mothers insurer first because they should both have some history about you.

Brasso

ION08 wrote: »

I believe FBD count named driving experience as .5 yrs ncb so 2yrs named experienced is considered 1 yr NCB and therefore a continuation of your own previous NCB.

When I was with FBD they gave me full discount for named experience, so I got 20% off for 1 year named driving. Although the named year was also with FBD so that might make a difference.

Liam McPoyle

You have been continually driving so most insurers will allow you a full intro bonus.

You will need proof of your own lapsed policy and a letter from your mothers insurer to say you have been on her car in the two years in between.

Best bet is to ring insurers directly though and explain the situation cos there is nothing surer than a broker will make a bollox of it.

To Elland Back

Business Cat wrote: »

Best bet is to ring insurers directly though and explain the situation cos there is nothing surer than a broker will make a bollox of it.

Totally disagree. My experience is that an employee from an insurer will just spout the mantra of that organisation, whereas a good broker will know the market, the various alternatives and and have a relationship with certain insurers who will listen to individual presentations on it's merits.

Liam McPoyle

To Elland Back wrote: »

Totally disagree. My experience is that an employee from an insurer will just spout the mantra of that organisation, whereas a good broker will know the market, the various alternatives and and have a relationship with certain insurers who will listen to individual presentations on it's merits.

Good brokers are hard to come by ime.

Some of the larger ones call centrey ones have a huge turnover in staff and those that are there more than a wet week are blinded by targets so push through policies anyway they can, I speak from experience of auditing broker cases. Of course there are some excellent brokers in the market too but again, ime, they are more the boutique brokers rather than the high volume ones.

stimpson

Glennons got the wife full NCB after a 2 year+ lapse. I had to prove she was named on my policy for the previous 6 years (no mean feat as I changed insurers every year).

To Elland Back

Business Cat wrote: »

Good brokers are hard to come by ime.

Some of the larger ones call centrey ones have a huge turnover in staff and those that are there more than a wet week are blinded by targets so push through policies anyway they can,.

But it is the exact same for anyone calling an Insurer who deals directly with the public. Targets, inexperience (at times) and high turnover of staff. They sit there, taking call after call and offering a quotation for just one insurer, with just one set of criteria. At least a good broker can hunt the market to see if they can get a good fit for the client