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Insurance Query

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  • 04-03-2016 3:28pm
    #1
    Shanannigan
    Registered Users Posts: 1,227 ✭✭✭


    I know there's a post covering Insurance FAQs which I have looked through and not found this one on it but please direct me to it if I missed it.

    I'm just wondering if there's a kind of statute of limitations on a no claims bonus.
    My scenario is this: I was insured on my own car for 1 year over 6 years ago. Once I moved to Dublin my need for a car (and the means to keep it on the road) were gone so I stopped driving for a while. I'm going for my test and looking to get on the road again and just wondering if I can still get a no claims discount from before.

    Thanks
    Tagged:


Comments

  • Options
    #2
    bazz26
    Registered Users Posts: 51,123 ✭✭✭✭bazz26


    It expires after 2 years of non use.


  • Options
    #3
    GM228
    Registered Users Posts: 8,925 ✭✭✭GM228


    Shanannigan wrote: »
    I know there's a post covering Insurance FAQs which I have looked through and not found this one on it but please direct me to it if I missed it.

    I'm just wondering if there's a kind of statute of limitations on a no claims bonus.
    My scenario is this: I was insured on my own car for 1 year over 6 years ago. Once I moved to Dublin my need for a car (and the means to keep it on the road) were gone so I stopped driving for a while. I'm going for my test and looking to get on the road again and just wondering if I can still get a no claims discount from before.

    Thanks

    There's no statute of limitations with regards NCBs.

    Most insurance companies cease to recognise them after 2 years.


  • Options
    #4
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    There is no statute of limitations on a no claims bonus because it is not a legal document. It is a marketing tool widely used in the insurance industry, but not one is obliged to recognise them from anyone


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