Going carless: how long before insurance no-claims benefits and good history become invalid should wish to become a car owner in future?

How long before you lose your no claims?

two years

That depends on your insurance provider and how long it’s been since you last had cover. Many insurance providers will say a no-claims discount is invalid if there’s a break in your car insurance of two years or more. But other providers may go to three years.

How long is NCD valid?

2 years

Your no claim discount (NCD) will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.