The NCB proof is dated after I reported the loss. I have the 3 year limit confirmation in an email. I've reported the theft and have correspondence from the insurer proving this. The fact is you have had a theft of an insured vehicle. As a result of the theft, your NCB entitlement is affected and any renewal should be based on the NCB you are now entitled to. But according to the insurer themselves my NCB is intact until I make a claim. Another odd thing was the theft occurred a few days before the completion of the third year. So you would imagine it should only be two years NCB that I have. Depending on who I talked to at the insurer they said referred to it as being either two years or three years NCB However now I have it in writing that it is three. Sounds like incompetence? Now I have it in writing presumably they can't take it away?

According to my own insurers though I still have 3 years NCB. I will not lose 2 years until I make a claim or until there is a payout. That suggests I could legitimately buy and reinsure based on 3 years NCB. The question really is if I then did claim and obtain a payout would I be obliged to inform the new insurers that I needed to have two years NCB removed?

Wwould I have to tell a new insurer when the claim was paid out - so that they could deduct two years no claims?

My car was stolen recently and my insurance company say I have a three year limit to make a claim. The theft will inevitably lead to an increase in the cost of insurance so I was thinking of buying a new car first, insuring it and then making a claim. Am I right in thinking that I would only need to reveal the theft if I had already made a claim at the time of insuring the new car? When insurance companies want to know any claims/incidents from the past five years do they want to know the date of the incident or the date of the claim? Given I have documentation from my current insurers that I have three years no claims would the new insurer become aware that I had subsequently claimed off my old insurers and then know that it should be stepped back by two years. I understand I would be obliged to tell them about the claim when next renewing but would I also be obliged to tell them that I had claimed after joining the new insurer and thus that I should lose two years no claims? Also if I delayed claiming for three years would I avoid a premium increase for the next three years and would I only have to pay the increase for the last two years of the five year period? Or by that time I could have made it to 5 years no claims - would it then be possible to protect my no claims to avoid losing it - even though the theft took place before I had 5 years protected. Hope this makes sense. The car was only worth about £2K – I’m wondering if it is worth claimingat all, given insurance companies recoup their payouts by upping theirpremiums. Are premium increases based on the amount paid out or would a car theftlead to the same increase regardless of the value of the car?