Can I keep my car insurance no claims bonus after two years?

A trainee photographer is looking to buy a second car for work and wants to know the insurance implications

A reader from Cumbria who wants is training to be a photographer is planning to purchase a new vehicle and will be making modifications to the vehicle and wants to check on the insurance implications.
Can I go under my Dad's insurance for my own car?

A reader from Leeds wants to know if he can put his own car under his Dad's insurance to get cheaper car insurance.

A reader from Essex has not driven for two years, but wants to know if he can keep his no claims bonus.

Ian Durrell, myfinances.co.uk insurance expert from the Only Group, which includes onlyinsurance.com, tackles the issue.

Stephen from Chelmsford asks:

: Some insurance companies will not let me use my nine years no claims discount (NCD) because I have not driven for just over two years.

Is there a company that will allow me to keep my previous earned NCD with out having to start over again?

Ian replies:

Most companies will not allow NCD to be continued past two years of not driving.

However, Norwich Union may allow you to keep previous earned NCD.

If you have a question for Ian, go to the myfinances.co.uk Ask the Insurance Expert section.

Twitter: My Finances