If there’s a gap in my insurance, is my no claims discount still valid?
That will depend on how big that gap is and your insurance provider. Most insurance providers will say a no claims discount is invalid if you have a break in your car insurance of two years or more, some providers may go to three years so make sure to check and find out.
If you’ve been driving a company car and your employer has been paying your insurance, letting your insurance provider know you’ve had no previous claims could save you some money when it comes to sorting out your private car insurance. If this is the case, then the insurance provider will usually want to see some written evidence to confirm this. You’ll typically need to have been the sole driver of the vehicle and been insured for social, domestic and pleasure use (as opposed to using a company pool car).
If you’ve been living abroad, you could also transfer any NCD earned – although this is at the discretion of your insurance provider. As with company cars, you’ll need to provide written evidence (in English) of your insurance history, confirmation of your name, car and when your policy ended.