Could you have valid NCD from old policies?
If you can prove you were the sole user of the company car and had social use of it too, some providers may take your NCD into account. You might also be asked to prove the date you stopped using the car, as well as your claims history.
If you’ve had a break in your no-claims bonus of two years or less, many providers will still consider it valid. With a longer gap, your NCD won’t count in your favour because it was too long ago.
The time limit varies between providers, with some allowing lengthier gaps of up to three years. So, it’s worth checking with a potential insurance provider. You might be pleasantly surprised.
Bear in mind that NCD is always counted in complete years: from when you took out an annual policy to when it was due for renewal. So if you had a policy for six months, then cancelled it to take up a company car, the time you were privately covered won’t count towards your NCD – even if you didn’t claim.