Car insurance - using no claims on 2 policies short term?

[doodab]

Most UK Ins co will do this;

If you have no car, they will allow you to suspend your insurance for upto 6 months. Then after that they'll cancel (although why they do this if you're prepared to insure nothing I dont understand!).

The NCB is generally valid for 2 years after the end of your last policy. Some insurers will take you back after 3. Handy if you are without a car for an extended period.

[psychocandy]

Which is weird. Because after 2 years you don't suddenly become more of a risk surely if you've not had an accident for 20 years previously?

Which is why this whole NCD thing is complete crap.