faux claims bonus

[MaybeGuy]

if i was to get a 50cc scooter frame and insure myself on it, could i then use this as a backup no claims if i was to lose my current one?

I know you 'cant', but is there anything actually stopping you?
____________________
Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[chris-red]

You can there is nothing stopping you, providing you start the policy with 0 ncb.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[ms51ves3]

Do you mean start building up a separate no claims? If so you could do that, but the cost of insuring the 50cc over many years would probably outweigh the discount.

[MaybeGuy]

well, on a c50 it costs me just under £50 a year to insure, so i guess thats the way to go.

Considering with 0ncb my gsxr was £500 to insure, and when my 2 years ncb came through, it was £180, im thinking its worthwhile having a backup. Especially with my points and claim possibly incoming.

Got a quote if i got 6 points and 1 claim and my insurance goes from £241 on the R6 to over a grand
____________________
Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[MarJay]

[MaybeGuy]

it does in fact make a fair bit of difference as said above. My insurance halved from 500 in the first year and got to 180 on the second on the gsxr.
Main purpose being to lessen the blow of the possible points and claim
____________________
Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[MarJay]

[prawny1]

Any claim you make will have to be declared, so building a "back up" set of ncb isn't possible.

What you can do is insure as many bikes as you want in one year and then use all of those ncb on a single bike the next year, what you can't do is use your ncb on more than one bike at a time (a shop won't let you use a discount voucher more than once will they).

The benefit is that you can build up to protected ncb status alot quicker, If you can afford it and plan on riding a moped for a year the passing your test getting a theft only policy on the cheapest possible bike and building up a ncb may well make your first years premium on the bigger machine more managable.

[chris-red]

[stinkwheel]

[yuri2085]

[c-m]

[prawny1]

yes exactly

[Ingah]

[ms51ves3]

[prawny1]

[chris-red]

[Kickstart]

Hi

Never before heard of a company allowing you to add up and count no claims from seperate policies.

All the best

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

[ms51ves3]

[prawny1]

So if you belive you can't add together ncb from seperate policies then how on earth do people go about changing brokers? Surely that means changing your policy.

If you had say 10 years ncb on a policy that you renewed every year and then found someone cheaper/ better you wouldn't lose your ncb.

Like i said before you can't use your ncb on more than one bike at a time, but that doesn't mean that if you bought a shitter and insured it for a year that you can't use that ncb on another bike the following year, Also whether the otherbike had its own insurance or not the previous year doesn't matter,

ncb are not allocated to a bike or a policy they are allocated to a rider, some companies send you a proof of ncb thru the post with a referance number but all record them so other companies can check if they are valid,

I had one company ask who I had earned my ncb' with before they would protect my ncb and checked with I belive four different brokers to confirm thier validity (I had four different bikes during that time too),

[Ste]

[Kal]

[chris-red]

[ms51ves3]

[G]

I have just done a 'the bike insurer'* quote for a mid-twenties person insuring an R6 with two claims - one a couple of months ago and the other a couple of years ago.

Between the two quotes I did, I only changed one variable - the first quote has no no claims bonus, the second one has one year.
As you can see, even the cheapest gets a decent discount, however there's also now a lot wider variety of places offering it at that level too.
https://www.bikechatforums.com/files/compareinsurance.jpg
Note that the first twelve quotes are now cheaper than the previous second quote.

If you could 'add up' no claims, you could get five really cheap policies on a scooter, keep it for a year and have five years no claims.
I have never heard of any insurer that will do this.
Some insurers will take account of other no claims bonus you have on other vehicles which you can't use, but it doesn't get 'added' or anything.
Some will even give you some kind of introductory 'bonus' no claims bonus, but it doesn't use up any others and is just pulled from the air.

* Remember to use false details kids, they'll hassle you anyway they can and spam you even if you ask not to be. I used details from the information comissioner's office, not that it'll make any difference.