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NCB - 2 year lapse rule

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  • 03-02-2018 5:36am
    #1
    BArra
    Registered Users Posts: 4,030 ✭✭✭


    Just looking to confirm I will be okay to renew car insurance policy with my 6 year NCB intact without issue


    - I cancelled policy 20/02/2016 (went travelling for 9 months)
    - I renewed insurance 23/11/2016
    - I cancelled policy on 17/02/2017 (left Ireland again and working abroad)
    - Will be returning to Ireland on 20/08/18

    So that makes it 18 months that I have not renewed car insurance, will I be okay on my return in August 18' to renew with NCB intact?

    Does it make no difference that I cancelled the policy without it running its year course?

    I have a letter from previous insurer outlining me taking out the policy and cancelling it with it indicating 5+ NCB and no monies owed to them.

    Thanks,


Comments

  • Options
    #2
    treascon
    Registered Users Posts: 237 ✭✭treascon


    Going on the dates you have given your Ncb will remain valid until 17/2/19. Doesn’t make any difference to your ncb the fact you cancelled midterm. You just won’t get the benefit of an extra year


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    #3
    paddy19
    Registered Users Posts: 1,137 ✭✭✭paddy19


    Trying to keep my NCB alive.

    I'm teaching abroad. Back for 6 weeks every year.

    If I renew my insurance when I come home and cancel it after say 8 weeks does that reset the NCB clock to a new two years from the date of cancellation.


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    #4
    treascon
    Registered Users Posts: 237 ✭✭treascon


    That’s not going to work. It’s consistent driving experience insurers need to see not someone regularly cancelling policies after a matter of weeks. Also it’s normally a condition that the policyholder is a permanent resident in Ireland.


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    #5
    Marcusm
    Registered Users Posts: 10,184 ✭✭✭✭Marcusm


    paddy19 wrote: »
    Trying to keep my NCB alive.

    I'm teaching abroad. Back for 6 weeks every year.

    If I renew my insurance when I come home and cancel it after say 8 weeks does that reset the NCB clock to a new two years from the date of cancellation.

    If you are living abroad 46 weeks out of the year without coming to Ireland then you are likely making a false declaration if Irish residence (unwittingly) to obtain insurance. Your policy is effectively worthless and you leave yourself open to a criminal charge. Basically, non-residents effectively cannot get insures as the primary driver in Ireland.


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    #6
    paddy19
    Registered Users Posts: 1,137 ✭✭✭paddy19


    Fair enough, I can see the residency issue. Where does the criminal charge come in? I can see breach of contract all right.
    Is getting named driver experience any good for future NCB.?


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  • Options
    #7
    Mellor
    Registered Users Posts: 39,022 ✭✭✭✭Mellor


    paddy19 wrote: »
    Fair enough, I can see the residency issue. Where does the criminal charge come in? I can see breach of contract all right.
    Is getting named driver experience any good for future NCB.?

    Making fraudulent legal declaration.


    Possibly driving without valid insurance.


  • Options
    #8
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    paddy19 wrote: »
    Fair enough, I can see the residency issue. Where does the criminal charge come in? I can see breach of contract all right.
    Is getting named driver experience any good for future NCB.?

    If you suspend your insurance then you don’t break your policy record . Sure you are out a few euros per year but get back 60% at year end to use towards the following years premium


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