How long does no claims discount last for?

I was wondering if just say I haven’t claimed on my insurance for accidents for 2 years, that means 2 years of no claims discount but if I were to claim during the 2 years, how long does that claim last for on my file for the no claims discount to start again from 0?

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3 Responses to “How long does no claims discount last for?”

  1. ANDY says:

    Hello

    It depends on the insurance you have and the company you are with.
    Some companies used to give new customers a years NCB for taking out the policy, Not all.
    After that you all get a years NCB for every complete year you have the policy. Most used to give 10 % per year for the first 5 years then 5 % a year up to a Maximum of 70 %.
    OK that was easy.
    After that it is down to your company. Some will let you have up to 2 claims a year but only when you reach Full NCB with Full Comp insurance.
    Others (Cheaper ones) in the case of 2 years NCB will take all your NCB. You will have to declare the claim for 5 years (They all ask any Claims/Points in the last 5 years when you fill out the Renewal/Quote applications.
    The next policy will start at zero NCB and may even be loaded (More expensive) Because you claimed.

    Hope this answers a couple questions but to many variables.

    Andy C

  2. hornchurchmale says:

    no claims normally goes with each year we drive without claiming. it can be refused if we stop driving for a long period and become null and void. it really is up to insurance company if they want to accept or offer any form of discount.

  3. G says:

    really??

    YOUR NO CLAIMS LASTS FOR THE LENGTH OF TIME YOU DON’T MAKE A CLAIM!

    IF YOU CLAIM IT IS RESET TO ZERO AS YOU HAVE CLAIMED.

    It does what is says on the tin…

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