Insurance companies are not obligated to accept foreign NCB, and many will refuse due to the different driving laws overseas and the administration required to transfer it across.
Can I use my UK no claims bonus in Ireland?
In general, motor insurers will take your no claims history into account from the EEA, the UK, Switzerland, Australia, New Zealand, Japan, Canada, South Africa, and the USA.
Can I use my UK no claims bonus in Spain?
If you are relocating to Spain from a country such as the United Kingdom you will usually find that most Spanish insurance companies will accept whatever no claims bonus you have built up as long as you can prove it.
Can you use UK no claims bonus in Australia?
Many Australian Insurers will accept your British No Claims Discount, and some do not even need to see it, unless you have a claim. At that point they will need it, and if you don’t have it, then technically they could invalidate your insurance, on the grounds that you gave them false information.
Can I use my no claims bonus from another country? – Related Questions
How can I get my no claims bonus without a car?
How do I keep my no-claims bonus without a car? If you’ve stopped driving for a while or you no longer own your car, you should still be able to use your no-claims bonus – it will last for two years after you stop driving. After this, it will expire, and you have to start building it again.
Can I check my NCD Online UK?
The NCD service is an online digital service that replaces the need for motor insurers and policy holders to have to manually exchange papers about a policy holders’ NCD data.
Do you lose all your no claims bonus if you claim?
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.
What does 65 No Claim Bonus mean?
65% Claim Free Privilege Life1 is earned after you’ve had 65% Claim Free Privilege Plus1 for three claim free periods. At this discount level, your 65% No Claim Bonus1 is protected for the life of your policy.
Is no claim bonus protection worth it?
We recommend that you keep the following in mind: No claim bonus protection only protects your discount; your premiums are still going to increase if you do make a claim. The added expense will increase the cost of your premium. It’s only available when you stick with the same offering insurer for a while.
How much no claims bonus Do you lose after an accident?
Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the bonus. So, if you have five or more years NCB, it will reduce to three years at renewal.
How long does NCD last without insurance?
Your no-claims bonus (usually) lasts for 2 years
If you haven’t had your own car insurance for a little while (maybe you sold your car, stopped driving or moved overseas), most car insurance companies will honour your old no-claims discount when you take out new cover.
Is NCD transferable?
Is your NCD transferrable? If you change insurer, you can still keep your NCD. However, you can’t transfer your NCD to another person. Your NCD can be transferred to your spouse if you’re still with your current insurer and not when you renew with another insurer.
Do you lose NCD if it’s not your fault?
Even if you have an accident that wasn’t your fault – you’re hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal.
Can I use NCD on 2 cars?
Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.
How long is NCB valid for UK?
Can your No Claims Bonus expire? The expiry period for an unused no claims bonus is two years after you’ve cancelled your last policy. So if you have taken a break from driving but you don’t want to lose your NCB, you’ll have to take out a new policy within two years to carry on where you left off.
What is the maximum years no claims bonus?
What’s the maximum no-claims bonus I can get? There’s no standard maximum period over which you can build up a no-claims bonus. Some insurance providers cap it at five years, others at nine or more.
Can I transfer my NCD to my wife?
Yes, with our LV= Car Insurance, you can transfer your NCD to your partner at any time, as long as one set of NCD is only being used on one policy/car at a time.