[TomN]

Alright people, right i've acquired 6 points within my first two years of driving so i had my licence revoked meaning i just have to take my tests again. However i continued to pay my second year of insurance hoping to get 2 years no claims, and my insurance is ending soon and i just need to book my test. (been away for the summer so haven't got round to do my test again.)

But what i'm asking would it be wrong to put on insurance quotes saying i have 2 years no claims?

Or is it possible to use my first year no claims still as i did get it when i still had my full licence.

I will be telling all my insurance quotes that i do have 6 points no doubt about that. No point in hiding that fact.

I didn't keep my car as i sold it to fund my summer trip after i knew my licence was revoked and i didn't inform my insurance company.



Any advice would be great thank you.

[bollo you ball-bag]

Alright people, right i've acquired 6 points within my first two years of driving so i had my licence revoked meaning i just have to take my tests again. However i continued to pay my second year of insurance hoping to get 2 years no claims, and my insurance is ending soon and i just need to book my test. (been away for the summer so haven't got round to do my test again.)

But what i'm asking would it be wrong to put on insurance quotes saying i have 2 years no claims?

Or is it possible to use my first year no claims still as i did get it when i still had my full licence.

I will be telling all my insurance quotes that i do have 6 points no doubt about that. No point in hiding that fact.

I didn't keep my car as i sold it to fund my summer trip after i knew my licence was revoked and i didn't inform my insurance company.



Any advice would be great thank you.

no it wouldnt been wrong because as far as their concerned you've had a car insured fo 2 years with no accidents. My nan has car insurance and uses the car about once a month, but she still receive a years ncb over it.

go for i, you'r not lying and when your insurance runs out ask them to send you your proof of ncb certificate. if they issue that, you have 2 years ncb

[PaRtZ]

ummm

you currently dont have a license...and you have an insurance policy. Do your insurers know you dont have a license?

[RobinJI]

...your proof of ncb certificate. if they issue that, you have 2 years ncb

Basicaly what it all boils down to, if they send you that, you're laughing.

Although there is a few things wrong with the situation, as said, have you told the insurance company that you no longer have a licence? Although you haven't broken the law as you haven't driven the car uninsured, they still may not be to happy about it. The only other thing is that as you've now sold the car I would assume it is now insured by the new owner, meaning it currently has 2 insurance policy's on it, which is pretty dodgy.

But yeah, I think there's a good chance that if you just keep quiet and sit it out, you'll get to the end of the year, ask for the proof of no-claims, and be home free.

[Simpson]

I left insurance running on motorbikes I've sold for NCB, so i say dw about it.

[TomN]

No i haven't told my insurance company as my plan was to quickly get a test booked before i jetted off to America, but i couldn't get a early enough one so i left it till i hop back over here.

The insurance company have been alerting me that my insurance is due for a renew.

I mean its fine if i can't use the second no claims but would i be able to use my first though?

[PaRtZ]

i thought that as soon as you crash etc, you lose them all and have to start again, unless you have ncb protection.

[TomN]

But i haven't claimed or crash though. Although my ncb are not protected.

[James Quigley]

Your policy probably states that you are insured with having a full licence, I therefore assume if you lose that licence the insurance is void.

However, as you didn't tell them, keep quiet, get the proof of no claims and laugh about it.

[Simpson]

The insurance company have been alerting me that my insurance is due for a renew.

The renewal letter acts as proof of NCB .

[PaRtZ]

But i haven't claimed or crash though. Although my ncb are not protected.

then you still have NCB of one year. So long as they dont find out you've lost you're license, as said above, you're laughing.

although

whats it worth to stay quiet?

[TomN]

then you still have NCB of one year. So long as they dont find out you've lost you're license, as said above, you're laughing.

although

whats it worth to stay quiet?

but i'll have to put my licence held from this year though wont i.

[JD™]

but i'll have to put my licence held from this year though wont i.

I never do, I put mine on from when I originally got it because what you're having is a re-test. They are holding your license for you, with 6 points on, it's not just ceased to exist. I've never checked out the legality of that but it didn't get me in shit when I had a crash a couple of years back.

[TomN]

Ah thats interesting to know thanks.