Drivers typically do not lose their accumulated no-claims bonus simply after two years; rather, an insurance no-claims discount progresses upward year-by-year as you maintain a clean, accident-free driving record. However, if you allow an auto insurance policy to lapse entirely, or if you stop driving and remain uninsured for a consecutive period exceeding 12 to 24 months, insurance companies treat you as a lapsed risk. Insurers typically purge or expire accumulated no-claims discounts after a prolonged gap in continuous active insurance history because they lack verifiable recent driving data.
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