Although many UK car insurance companies offer no claims bonus protection, where you can still make 1 or 2 claims each year without losing your next policy renewal discount, note that this may not be transferred to a new insurer or they may choose not to recognize the no claims bonus protection. Do not assume that an UK insurer will always allow you to buy car insurance cover at reduced prices using your 9 years no claims. For example, you may have a 9 year no claim discount with Esure but Swiftcover only offer up to 5 years no claims bonus.

When you want to switch to a new car insurance company, make sure you pay in full any premiums owed because they can choose not to release your 4 years no claims bonus accumulated on your previous car insurance policy. This normally happens on no deposit car insurance plans where you pay monthly premiums. When the direct debit payment fails, your cover will lapse immediately and the policy is canceled. If you take the opportunity to switch car insurance companies now, you better pay up any money owed to avoid losing your 4 years no claims discount car insurance.

Transfer No Claims Bonus After 6 Months With No Cover

Note that if you stopped driving for some time such as 6 months to under a year and wanted to insure a new car now, verify with your new insurer whether your previous no claims bonus can still be transferred after a long break with no car insurance cover.

Many drivers are confused thinking that the insurance company cheated and void their no claims discount when they did not make any claims. The truth is that having a good driving history is necessary but not sufficient. You still need to avoid any missed payments especially with pay monthly car insurance policies.

So if your new insurer told you that the previous company refuse to release the no claims bonus because of a dispute, the first step to get cheaper car insurance premiums now is to find out how much you need to pay for the company to release no claim. The difference between paying full price and having 4 years no claim bonus discount car insurance can be a lot at stake.

UK Car Insurance With 9 Years No Claims Discount

There is no standard practice for UK car insurers to provide proof of no claim bonus years, so difference companies have their own practice. Most insurers will transfer details of your insurance claims history to your new insurer although some will limit it to just a few years of no claims bonuses in order to discourage customers from switching. The usual reason given is that their computer record systems cannot store so much information on your claims history, although this is quite sketchy.

Diamond, Esure, Shelias Wheels, LV, Endsleigh Car Insurance will provide up to a maximum of 9 years no claims discount while Aviva, Swiftcover, Churchill offers no claims bonus for 5 years. Having more years of bonus does not necessary mean it will be cheaper as you need to compare the actual percentage of discounts given.

Meanwhile, Shelias Wheels and Esure Car Insurance will provide no claims proof for up to 20 years while Endsleigh and LV will offer records for up to 9 years. But Diamond Car Insurance will only provide the proof if you remain as their customer.

It is important that you keep proof of no claims period built up with all previous insurers and not just the latest company. This will ensure that you have all the proper records whenever you are signing up for a new plan because many insurers will not offer proof of any no claims built up before the policy you took from them.

Remember that your number of years claim free is only one of the determinant of your premiums. Even if the offer is up to 70% discount for recognizing 9 years of no claim, the original policy price may be much more expensive compared to other plans on the market. You still need to compare quotes for the best prices after no claims bonus discount is added. This will depends on each insurer you approach for a quote.