No claims bonus while at university?

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.
A reader wants to check the rules surrounding their No claims discount

A woman from Gosport wants to check if it is correct that her husband has lost his no claims discount after being a named driver on her policy for three years.

A Lancashire reader's son is going to university and not taking a car. He wants to know what will happen to his no claims discount (NCD).

Emma Holyer, myfinances.co.uk insurance expert from LV= Insurance, tackles the issue.

Simon from Wigan asks:

Our son is going to University but not using his car.

So if he does not carry on with his insurance does he lose his no claims bonus for when he resumes driving in three years.

Emma replies:

He will lose his NCD unfortunately.

A NCD remains 'valid' for up to two years as it is a reflection of a motorists recent safe driving history.

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

LV= Insurance - the Liverpool Victoria Friendly Society - is authorised and regulated by the Financial Services Authority.

Twitter: My Finances