You do not automatically lose your accumulated no-claims bonus simply because two years have passed; in fact, consecutive claim-free years typically allow your discount to grow or remain at its maximum tier. However, you can lose your accumulated no-claims bonus status if you cancel your car insurance policy and fail to drive or hold active insurance for a continuous period exceeding two years. Most insurance underwriters treat a lapse in coverage exceeding 24 months as a reset point, requiring you to rebuild your claim-free discount tier from scratch when you purchase a new policy.
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