Answer Base

For the past 3 years i have lived on business premises and had business insurance in joint names with my partner. we made 2 claims. also i let a property out for 7 years and had landlords insurance on which i made one claim. i am now selling up and moving into my own home so need buildings and contents insurance in my name. have i lost my no claims discount that i had accrued prior to moving into my own business where i had never claimed on personal contens and buildings insurance in my own name?

Residential property has its own no claims bonus assoiated with it, so your business ncd will not apply in this case. to be quite honest, the insurance market right now is cut throat. companies will give you a extremely nice introductory discount to get you on board in the first place. this will probably out weigh the discount you would recieve in the first place. i wouldnt take any notice of discounts, they are all a fad anyway! !