Do I have any no claims?

[carvell]

My insurance renewal is now due and I have been quoted a rediculous price by my current insurer, so will employ dodgy womble insurance inc. to find me a better quote.

What I want to know is do I have a years no claims bonus. It sounds simple, but I'm not sure.

I had my 125 insured for 8 odd months, then changed the bike on the policy to my bros for the remaining 4 months. As I have not made a claim in the last year I would think that I would have 1 years no claims bonus, but Goose is intent on dashing all my hopes and dreams by telling me that I don't because I changed the bike.

Could someone in the know clarify the situation, do I have 1 years NCB or not?
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Yamaha TDM 850

[Mr C]

I would say yes

you have not claimed = no claims = bonus


regardles sof changing the bike, if you kept a policy live then you qualify
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187.3bhp = 201mph

[dibbster]

Yes I believe so as it is the fact that you've held insurance for a year not what bike it is on that is key.So as long as you haven't claimed and when you changed bike it was still on the same policy then 1 years NCB should be yours!
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Suzuki RF 600 - The two wheeled Testarossa (Deceased)
Suzuki GSXR - Now stops on a sixpence; SBK3's
www.bikepics.com/members/dibbster

[gingernuts66]

As long as you only changed the details on your policy ie. the bike and did not cancel your policy you have 1 years no claim.

[carvell]

Woop!

Thanks for the input - if it turns out not to be the case I'll know where to come.
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Yamaha TDM 850

[WildGoose]

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So in other words, he stopped you for being flagrantly in posession of a motorcycle in direct contravention of the Hippies, Darkies and People Whose Face I Don't Like The Look of (Police Powers) Act. 1976

[Sparks!]

I'm kind of in the same situation, I changed my bike near the end of policy but have been reassured I have one years no claims bonus.

Thing is, do you get some sort of paperwork to confirm it?

I haven't got anything that says "Look at me, I have 1 years no claims! " So how do you prove it if required etc??
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Current Toys: 06 Yamaha WR250F | Nissan 350Z GT | Tech 4 Homes

[dainesefreak]

When you change insurers they are required to send proof of NCB for another insurer if required. Just ask for it to be sent out if you swap.

[prbandit]

Or wait for the renewal notice to come in and it will show the 1 years no claim..Use that as proof.

Sometimes when you changes insurance companies the old one is not in too much of a hurry to give you proof of your entitlement.

[Sparks!]

I had no choice but to renew with the same company so I guess that I don't need to worry about the NCB just now then

Cheers
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Current Toys: 06 Yamaha WR250F | Nissan 350Z GT | Tech 4 Homes

[carvell]

[iCraig]

How much you getting quoted and with whom?

[carvell]

I'm with Bike Team at the moment - they have quoted me £710 for my renewal, which is laughable.

I've just got a quote from bennets and it's £560, but I've set Danny on the case now anyway to get it even lower.
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Yamaha TDM 850

[tony532]

i had my rs 125 for 10 months and have not cancelled the policy yet

i have my gsxr400 insured with a different company

altough i have used the same broker


if i let the policy run its course will i then have 1 years ncb?

[skyline]

yea you have 1 years no claim, i did the exact same thing, changed bike halfway though and i still got my 1 years no claim. thing is i think i waited about 2 weeks after my old one ran out before i got my "you have 1 years no claims" certificate thing.

[iCraig]

I changed me bike 3 times in one year and still got the years no claims just a pity I lost it 4 days into my new years policy

[prbandit]

Try quoteline direct. www.quotelinedirect.co.uk they beat all other quotes I got for the zx6

[carvell]

[iCraig]

[karen_moomin]

I'd recommend Carole Nash as they were £60 cheaper than the lowest figure I was being quoted.

You should definately have 1 years no claims, but if you are changing insurers it can be tricky to get something in writing stating this. I had this problem a few years ago with my car.

Also, say if you didn't have a bike (and therefore an insurance policy) for a maximum of 2 years but had previously earned a number of no claims, when you set up a new policy they should take your past no claims bonus into account as long as you can prove that you had them.

Well that's the case with cars, I'm assuming it's the same with bikes

[iCraig]

[karen_moomin]

I was surprised at their quote too Craig, I have no idea why they were so cheap compared to others.

[dandit]

www.motorcycledirect.co.uk thats where i got a quote just under £400 tpft for a 600 bandit when every other cuntpany wants £600 od tpo
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WHAT DO YOU MEAN 100 MPH THATS IMPOSSIBLE I STILL HAD 3 GEARS TO GO OFFICER. Currently riding a naked cbr 600 and driving a 52 plate 2litre tdci mondeo

[Josh]

They won't insure me on anything bigger than a 250? :/
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04 Suzuki GSX-R 600 K4 - Sex on wheels :>
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[Kickstart]

Hi

You should have no claims, and normally they will put your no claims entitlement on your renewal notice. If not then chase them. I had problems years ago with Endsliegh ( ) when I had a bike nicked but did not claim and they tried to take away my no claims. After much chasing they finally supplied the proof of no claims about 3 months late by which time it was no use to me really.

How long no claims lasts for seems to be fairly variable.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing