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Does this not put you in the same position as the under-25 son/daughter who says they are just an additional driver on their parent's car when they are really the main driver (and, usually, the real owner)? I know insurance companies are clamping down on this sort of thing, and you may find...

I stopped driving through choice when my insurance expired on 10 January 2008. I had maximum No Claims Discount, but have now been told that this has expired as I haven’t driven for more than two years. Is this an industry-wide rule, and is there any way I can recover it?