I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

On 01/05/2015 15:37, Roy Smith wrote:
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

If you haven't insured for the last 2 years or more, you have to start
afresh and any past no claims years are not valid, sadly.

On Fri, 01 May 2015 15:40:50 +0100
Bod wrote:

On 01/05/2015 15:37, Roy Smith wrote:
I have been off the road for a couple of years but never had a
claim against me how will that effect my next insurance quote

If you haven't insured for the last 2 years or more, you have to
start afresh and any past no claims years are not valid, sadly.

Agreed. Be prepared for a lot of asking around, you might well find an
accommodating company, but it might take some searching.

--
Davey.

Davey wrote:
On Fri, 01 May 2015 15:40:50 +0100
Bod wrote:

On 01/05/2015 15:37, Roy Smith wrote:
I have been off the road for a couple of years but never had a
claim against me how will that effect my next insurance quote

If you haven't insured for the last 2 years or more, you have to
start afresh and any past no claims years are not valid, sadly.

Agreed. Be prepared for a lot of asking around, you might well find an
accommodating company, but it might take some searching.

Have you bought the car yet? Might be worth investigating the deals with
inclusive insurance through the dealer. They might waive any "issues"
with the insurers rather than lose the sale?

In message , Roy
Smith writes
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

I'm not sure it will be a problem. I changed from company to private
car insurance, and, being able to prove my expired no claims, most
companies offered a huge 'introductory' discount. Similarly, I switched
from specialist 'classic car' insurance to ordinary insurance and again
was offered substantial discounts, even though I had no formal ongoing
no claims discount.

Best advice is phone a few companies, explain the position and ask what
they offer.

--
Graeme

On 01/05/2015 15:37, Roy Smith wrote:
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

Have you driven any car on anyone else's insurance in the past 2 years?

A broker might be knowledgeable on who might give you credit for the NCB
rather than dealing direct with countless phone calls.

On 01/05/2015 15:37, Roy Smith wrote:
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

It may depend on how you defining "a couple of years".

If you had earned a no-claim bonus on a previous policy, many companies
will honour this for two years - but no more. So, if it's slightly less
than 2 years since your previous policy expired, you may be ok. If it's
several years - forget it!
--
Cheers,
Roger
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Roy Smith wrote:
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

It won't effect it, it might affect it though.

--
Chris Green
·

/It won't effect it, it might affect it though./q

Unless it had an unusual effect and you became affected.....

Jim K

In article , Roy
Smith writes
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote
I had been without a car for longer than this but Liverpool Victoria (
--
Chris Holford

In article , Chris Holford c.holford@brownswell
..myzen.co.uk writes
In article , Roy
Smith writes
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote
I had been without a car for longer than this but Liverpool Victoria (
Oops, where did the rest of the post go!
.....Via the Nationwide building society) gave me a no claims discount.
--
Chris Holford

On Fri, 1 May 2015 11:12:05 -0700 (PDT)
JimK wrote:

/It won't effect it, it might affect it though./q

Unless it had an unusual effect and you became affected.....

Jim K

The unusual effect is your newsreader and its weird way of quoting
something.

--
Davy.

In message , Roy
Smith writes
I have been off the road for a couple of years but never had a claim against me
how will that effect my next insurance quote

Might not be relevant to you, but if you have a partner with a car, some
companies will transfer your partners NCB to you as well if you insure
another car with them.

We this last year with Esure, as I'd ended the named driver on her
insurance for a number of years. But AFAICR this wasn't a requirement
for the insurance, I just had to have been a driving for as many years
as the NCB. The credited me with her full 10+years , whatever it is NCB,
which I was able to use when I moved to a different insurer this year

The policy wasn't really anymore expensive.

--
Chris French