Yeah I get that but it's really no right but that was not the reason I posted I just saying its another way the insurance have of ripping us off if they only take 5 years why doesn't the no claims stop after 5 years but I was posting to find out if it was possible to some how combine my van and car no claims as looking to sell one but don't want to lose the no claims if I don't have say a van for 2 years then I would lose my 5 years I have on my van policy which I don't really want to do seen as insurance is stupidly priced already

You normally lose 2 years off the max NCB they allow, following a fault claim. So if you had 8 years claim free, but they only use 5 for discounting, then you would go down to 3 years. This should all be set out in your policy documents.

Just wondering if it was possible to combine no claims I have 3 years on car had 8 but other half crashed n works out the magic of max 5 years insurance company say is the max they use they took 2 years off for the accident so works out they say was off the 5 not the 8 so last year had 8 this year 3 joke if you ask me but what I was wondering is I have 5 years on my van policy so is there anyway that these no claims could be combined as I don't want to need to keep my van and car going as getting to expensive but also don't want to lose the no claims on whatever one I don't have for 2 years and would just like to find out if and how it could be done feel kind of ripped of with them only giving me 3 years after going in with 8 but hey suppose that's insurance companies wasn't even me that crashed aswell lol was named driver but anyhoo if anyone has any advice
Thanks in advance