When do i lose my no claims bonus

As a general rule, car insurance providers won't accept a no claims bonus that's older than two years. This may vary depending on the insurance provider, but there are very few who will accept a no claims bonus that's lapsed for more than two years.

How long do you have before losing no claims bonus?

A No Claims Discount usually lasts for two years from the date that your last policy in your own name ends. You do not earn a No Claims Discount unless you are the policyholder and main user of the car insured.

Will I lose my no claims bonus?

If you decide to claim for any damage, it will affect your no-claims bonus until your insurer can recover the costs from the other driver's insurer. But a no-claims bonus is only relevant at the annual renewal of the policy.

How do I not lose my no claims bonus?

This means that if you make a claim for something like damage caused by a storm, if your car is stolen, or hit by an uninsured driver then you won't lose your NCB. Some insurance providers also cover fault claims, so your NCB is still protected even if your insurer can't recover the costs of an accident.