Do you lose no claims bonus if you stop driving?

Do you lose no claims bonus if you stop driving in Australia and UK, yes you may lose no claims bonus if you stop driving and have no insurance for more than 2 years, as no claims bonus valid for 2 years without insurance with some insurers allowing 3 years, after which bonus expires and you lose discount 20% to 60% saving $160 to $900 per year on comprehensive $800 to $1,500 per year. No-claims bonus, also called no-claims discount NCD, is discount for claim-free years 20% for 1 year, 30% for 2 years, 40% for 3 years, 50% for 5 years, 60% for 6+ years, saving $160 to $900 per year on $800 to $1,500 comprehensive premium, valid while you have continuous insurance, and if you stop driving and have no insurance, bonus stays valid for 2 years without insurance in Australia and UK, with some UK insurers like Aviva, Direct Line allowing 3 years, after which bonus lapses and you start at 0 years 0% discount. For example, you have 5 years no claims 50% discount $500 premium on $1,000 base, you stop driving for 1 year no insurance, you keep 50% discount if you buy car within 2 years, paying $500 for new car, but if you stop driving for 3 years no insurance, bonus expires and you lose 50% discount, paying $1,000 instead of $500, losing $500 saving per year. So you lose no claims bonus if you stop driving and have no insurance for more than 2 years, with some allowing 3 years, after which bonus expires and you start at 0%, so if you plan to stop driving less than 2 years, bonus kept, if more than 2 years, you lose bonus and pay full premium $800 to $1,500 versus $400 to $600 with 50% to 60% discount.