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Car insurance question [NCB 2 years lapse]

  • 13-06-2016 9:40am
    #1
    yourdeadwright
    Registered Users, Registered Users 2 Posts: 20,940 ✭✭✭✭


    Hey folks
    Not sure if anyone could help but here goes,
    I have 10 years no claims bonus but next year plan on moving aboard for 2 years, when I come back would I start from 0 again ?


Comments

  • #2
    Falcon L
    Closed Accounts Posts: 891 ✭✭✭Falcon L


    After 2 years your NCB lapses, and you start from 0. If you are insuring a car where you are going, some Irish insurance companies will honour the NCB you bring back.


  • #3
    yourdeadwright
    Registered Users, Registered Users 2 Posts: 20,940 ✭✭✭✭yourdeadwright


    Falcon L wrote: »
    After 2 years your NCB lapses, and you start from 0. If you are insuring a car where you are going, some Irish insurance companies will honour the NCB you bring back.

    Ahh that sucks, so I mite be better off just keep paying my insurance when I'm away ,
    I'm moving to a city where I won't need to own a car,


  • #4
    Falcon L
    Closed Accounts Posts: 891 ✭✭✭Falcon L


    yourdeadwright wrote: »
    Ahh that sucks, so I mite be better off just keep paying my insurance when I'm away ,
    I'm moving to a city where I won't need to own a car,
    It depends when your current policy runs out. If it's say, 6 months away, you would be under 2 years when you need to start again, assuming you return after 2 years. If it has already finished you could renew it for a year and you would only be 1 year without insurance when you come back, and your NCB would still be valid.


  • #5
    biko
    Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    Check with your insurer if you can freeze the ncb if you come back to them when you return.
    Or make sure your current policy remains in place long enough for the absence span to be less than 2 years.

    Will you have a car when you return? If not add a month or so while you look for a car and get it insured.


  • #6
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    yourdeadwright wrote: »
    Hey folks
    Not sure if anyone could help but here goes,
    I have 10 years no claims bonus but next year plan on moving aboard for 2 years, when I come back would I start from 0 again ?

    You could suspend the policy?

    Basically means the cover is reduced to usually F&T and you will get most of the premium back at the end of the year.


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