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have i lost my NCB?

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-Ali-
Trackday Trickster



Joined: 22 Feb 2005
Karma :
PostPosted: 19:14 - 08 Dec 2006    Post subject: have i lost my NCB? Reply with quote
i had my bike stolen, it wasn't my fault so would i still keep my NCB?
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.....
Quote Me Happy



Joined: 15 Jan 2005
Karma :
PostPosted: 19:16 - 08 Dec 2006    Post subject: Re: have i lost my NCB? Reply with quote
alistairhitchcock wrote:
i had my bike stolen, it wasn't my fault so would i still keep my NCB?


NCB stands for No Claims Bonus. You are claiming on your insurance. I'll leave you to figure it out.
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-Ali-
Trackday Trickster



Joined: 22 Feb 2005
Karma :
PostPosted: 19:19 - 08 Dec 2006    Post subject: Re: have i lost my NCB? Reply with quote
Joe wrote:
alistairhitchcock wrote:
i had my bike stolen, it wasn't my fault so would i still keep my NCB?


NCB stands for No Claims Bonus. You are claiming on your insurance. I'll leave you to figure it out.


that's what i though but someone said because it wasn't my fault then i should keep them. Was just checking
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.....
Quote Me Happy



Joined: 15 Jan 2005
Karma :
PostPosted: 19:23 - 08 Dec 2006    Post subject: Re: have i lost my NCB? Reply with quote
alistairhitchcock wrote:
that's what i though but someone said because it wasn't my fault then i should keep them. Was just checking


It does seem unfair I admit. Maybe losing half the NCB would be fairer. Sorry to hear about the bike.
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angryjonny
World Chat Champion



Joined: 01 Sep 2006
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PostPosted: 19:50 - 08 Dec 2006    Post subject: Re: have i lost my NCB? Reply with quote
Bah. Double post. My bad.

Last edited by angryjonny on 19:51 - 08 Dec 2006; edited 1 time in total
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angryjonny
World Chat Champion



Joined: 01 Sep 2006
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PostPosted: 19:50 - 08 Dec 2006    Post subject: Re: have i lost my NCB? Reply with quote
alistairhitchcock wrote:

that's what i though but someone said because it wasn't my fault then i should keep them. Was just checking


Sorry... but it's a no claims bonus, not a no blame bonus. If you have a claim, you lose the bonus. In the case of an accident with more than one party involved then the person at fault will typically lose their bonus because the claim for both parties comes off their insurance (though it often isn't that simple) but in a case of a theft like this, it's your policy so you lose your no-claims. That's what your insurance policy was there for in the first place.
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JonB
Afraid of Mileage



Joined: 03 Jun 2004
Karma :
PostPosted: 19:59 - 08 Dec 2006    Post subject: Reply with quote
I'm presuming you have TPFT or Fully Comp insurance then as if it was TPO then you wouldn't be able to claim for a stolen bike. Or did you not realise that either? Laughing
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-Ali-
Trackday Trickster



Joined: 22 Feb 2005
Karma :
PostPosted: 20:04 - 08 Dec 2006    Post subject: Reply with quote
Jon B wrote:
I'm presuming you have TPFT or Fully Comp insurance then as if it was TPO then you wouldn't be able to claim for a stolen bike. Or did you not realise that either? Laughing




Middle Finger
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st3v3
Super Spammer



Joined: 16 Oct 2006
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PostPosted: 20:08 - 08 Dec 2006    Post subject: Reply with quote
Quote:
alistairhitchcock wrote:

that's what i though but someone said because it wasn't my fault then i should keep them. Was just checking

angryjonny wrote:

Sorry... but it's a no claims bonus, not a no blame bonus. If you have a claim, you lose the bonus. In the case of an accident with more than one party involved then the person at fault will typically lose their bonus because the claim for both parties comes off their insurance (though it often isn't that simple) but in a case of a theft like this, it's your policy so you lose your no-claims. That's what your insurance policy was there for in the first place.



ditto Thumbs Up , Maybe you should keep 'em, but it doesn't work like that. Karma
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angryjonny
World Chat Champion



Joined: 01 Sep 2006
Karma :
PostPosted: 20:30 - 08 Dec 2006    Post subject: Reply with quote
One thing to stress though, is that you don't necessarily lose all your no-claims. Typically you'll lose a couple of years' worth, so if you had 4 or 5 years of NCB you don't go back to square one again. Well... not unless you have another claim or two.
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Finglonga
World Chat Champion



Joined: 27 Jul 2004
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PostPosted: 21:27 - 08 Dec 2006    Post subject: Reply with quote
You could always pay for NCB protection, then you wouldn't lose it.
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Old Thread Alert!

The last post was made 19 years, 315 days ago. Instead of replying here, would creating a new thread be more useful?
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