Do I lose my no claims bonus if I lose my license?

Yes, your ncb is transferable.

Does a driving ban affect no claims?

I can confirm that a drink drive conviction does not affect your no claims bonus. the only problem that people find is with longer convictions. You are right, gstanley, that no claims is valid for 2 years so people with longer convictions than that will find that the NCB has expired.

Do you lose your no claims if you are a named driver?

If you’re a named driver as well as having your own insurance, and you make a claim as a named driver, you won’t usually lose your no-claims bonus. Most of the time it affects the policyholder.

How much is a no claims bonus worth?

The amount of discount earned increases with each year of claim-free driving. So after one year you might get 30\%, with the percentage increasing each year until you get 70\% NCD after five years. Most firms offer a maximum NCD of 70\%, although some offer 75\% or 80\%.

How long can I keep my no claims bonus without driving?

2 years
Most insurers will allow you to use a no claim discount if you’ve been absent from driving for 2 years or less – though some may extend this to 3 years.

Can you get insured after driving ban?

Can I get insured if I’ve been previously been disqualified? It may be more difficult to get insured after being disqualified from driving, but it’s not impossible. In fact insurance is a legal requirement, so certainly not something you can overlook after a ban.

What’s the difference between revoked and disqualified?

Revocation is not the same as Disqualification. It involves the withdrawal of a motorist’s licence with no end date by when they can drive again. On the plus side, you can immediately apply for a provisional licence and take your test the same day that your licence is revoked.

Do I lose my no claims if someone hits me?

‘Do I lose my no claims bonus if someone hits me’, is a common question from people who were not at-fault for a road accident. Unfortunately if you make a claim on your own car insurance policy you will almost certainly lose your no-claims bonus even if the accident was not your fault.

What is the difference between a named insured and a driver?

Named insured(s) can drive a car, or anyone else’s (including rental car) and get into an accident. Drivers are not responsible for premiums, and cannot make changes; they’re only are covered on the vehicle they’re listed under.

What happens if your driving licence is revoked?

What happens when your driving licence is revoked? The DVLA will basically cancel your driving licence. You’ll have to apply and pay for a new provisional licence, and pass your theory and practical driving tests again. Having your driving licence revoked is different from a driving ban.

What happens if you get caught driving with a revoked license UK?

When your driving licence that is registered in England is revoked you cannot continue driving. If you are caught driving any vehicle during this time you could receive a custodial sentence, a fine and even further disqualification.