united-kingdom insurance vehicle
How long is an NCD valid for?
<p>If I had a car policy expire on 22nd May 2019 that had 3 years no claims, how long is this 3 years no claims valid for to use with a new policy ?</p>

<p>Is it just my next insurance policy ?</p>

<p>What if I started a new policy, but after 9 months realised I could get a much better deal else where with 3 yrs NCD, would the 3 years NCD still be valid, and if so for how long ?</p>

<p>This is for UK car insurance, just a standard fully comprehensive policy for a single driver.</p>

<p>No claims discount is valid until you make a claim. (You can also pay some extra fee so that one claim in some time frame doesn't affect your claim). So if you move insurance, stay with the new insurance for a year without a claim, then you have four years "no claims" discount for your next insurance. </p>

<h2>“No claims” discounts are not regulated yet law</h2>

<p><strong>They are a business practice offered by each individual insurer</strong></p>

<p>As such you need to read their policy documents to find out how or if it works.</p>
