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Car Insurance Policy Change

chicorytip · 2022-12-16 13:00:57

If changing from a comprehensive to basic third party or third party fire and theft cover will your full no claims bonus remain unaffected (over ten years NCB with no claims in that period) ? Would the same apply if off the road and not driving for twelve months or more and, at the end of that period, taking out a new…

16-12-2022 1:00pm

#1

chicorytip

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Join Date: January 2014

Posts: 4047

If changing from a comprehensive to basic third party or third party fire and theft cover will your full no claims bonus remain unaffected (over ten years NCB with no claims in that period) ?
Would the same apply if off the road and not driving for twelve months or more and, at the end of that period, taking out a new policy with the same insurer you had or another one?

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Comments

#2 16-12-2022 2:00pm
coylemj

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Join Date: October 2006

Posts: 25129
Your no-claims bonus won't be affected if downgrading from fully comp to third party. The same might not apply in reverse.
Your no-claims bonus can survive two years with no policy. You don't have to resume with the same company, just keep the last no-claims cert they sent you, usually with the last renewal notice.

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