It seems a shame if you are not able to drive for whatever reason for more than a period of two years Octagon claims that it is an industry policy that your No Claims bonuses cannot be used against a policy. As a relatively safe driver never making a claim against any insurance policy, I have lost my conscious effort to avoid causing an RTA. If you ever find yourself in such a position I would recommend to try your best to maintain an affordable policy for such needs. You may be required to travel or consider a mid term hospitalisation for a period longer than two years. It is a shame if it is an industry policy that the honest and safe drivers have contribute to the level of car insurance fraud and crime that is reported in the press. If you have consider insuring a vehicle after a couple years absence from driving. I would recommend to shop around until you find a company you are happy with. I found the Post Office good at the beginning but they wanted to stack the insurance premium if I was a young driver!