Mate has insured his car with AF and has just received a letter saying because it was not insured for 2 months (in which time he was not using it) it means he now has no NCB even after 22 years of driving and no claims. Is this normal? How can this be justified? I will say the letter is from aviva who AF obviously got the insurance from so not putting down AF. His quote was obviously with his NCB but surely you still havent claimed and he was driving other vehicles in this time. Thanks for any advice/opinions.