I am insured on my parents car (comprehensive). I am a 20yo male so it costs quite a lot. I have just passed my driving test. I think I should now be removed from the insurance because I do not think I will be driving anymore for quite a few years. My father says that we should keep me on the insurance so that I build-up a no claims bonus (NCB). I am currently in university and afterwards plan to do my masters and PhD, so it is likely that I will not be driving again until I am almost 30. I know that you can (with Hibernian anyway) only have a maximum of 5 years NCB, and I currently have about 2.5 years. What do you think? When I do eventually start driving again, to claim my NCB with my previous insurer does that insurance have to have been active within a certain amount of time - i.e. if I take myself off the insurance now and then sign-up for insurance again in 8 years can I reclaim my 2 years NCB? If I have moved to another country by then (e.g. the US), will they recognise my NCB with an Irish insurer?
My second question is regarding charges for policy changes. I believe Hibernian has a charge if you make a change to your policy. As I have now passed my driving test I will tell them that which will reduce the premium (so they will owe us money the next time we renew the policy), but will there be a charge to change my license type? If I subsequently decide to remove myself from the policy in a few days it will have been a waste of the fee to change the policy for my new license type.