How long you can keep no claims bonus without a car in Australia and UK is 2 years without a car and without insurance, with some UK 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, with bonus valid if you have proof renewal notice from previous insurer showing years 1 to 6+ and claims history. 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, attached to driver and policy, valid for 2 years without a car and without insurance with most Australian insurers like NRMA, Allianz, Budget Direct, Youi, AAMI, and UK insurers, after which bonus lapses and you start at 0 years 0% discount. For example, you sell car with 5 years no claims 50% discount $500 premium on $1,000 base, you have no car for 1 year, you keep bonus if you buy new car within 2 years, paying $500 with proof renewal notice showing 5 years no claims and no claims in 5 years, but if you have no car for 3 years, bonus expires and you lose 50% discount, paying $1,000 instead of $500, losing $500 saving per year. In UK, some insurers like Aviva, Direct Line, Admiral allow 3 years without a car, with specialist insurers like Adrian Flux allowing up to 5 years with proof and higher premium 10% to 20% extra $100 to $200. So you can keep no claims bonus without a car for 2 years in Australia and UK, with some UK allowing 3 years, after which bonus expires and you start at 0%, so buy car within 2 years to keep 50% to 60% discount $400 to $900 saving.
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