no claims bonus

[pj25]

Hi folks, I know this thread will have been posted before. Iv not had a bike now for nearly 2year. When i sold my last bike i had 5years no claims. iv just bought a sv650s. My question is will i have lost my 5years ncb? I can't find a proper answer anywhere.
____________________
wasnt me, honest!!!!!

[colin1]

I'd like an answer to this one too.
____________________
colin1 is officially faster than god

[stinkwheel]

No claims bonus is given and withdrawn at the whim of the insurance company regardless of continuity of insurance, proof or otherwise.

I was insured with the same company for 7 years on a classic policy. When I got a newer bike, they couldn't cover me on it. They provided me with a letter stating I'd been continuously insured for 7 years with them with no claims and I had documentary proof of 9 years no claims before that.

Nobody would accept it. Went back to zero no claims.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[pj25]

think i mite just try my luck.
____________________
wasnt me, honest!!!!!

[colin1]

I have a feeling that classic policies are different for some reason and you dont build up a NCB with them as they are often a second vehicle to someones main one.

I had a classic policy on my car for a year, then switched to a normal policy that builds up no claims. Not sure what happens to my car no claims bonus, if I dont own a car for a year or so. I suspect that a letter stating no claims bonus will not be counted as such the next year, or 2 years later.
____________________
colin1 is officially faster than god

[stinkwheel]

[Polo]

I'd expect most companies (classic cover aside) to allow 2 years of no cover before ncd is 'expired', they would also require a statement confirming no bikes insured in the interim period. Some companies will allow 3 years but only if they were the last insurer.
____________________
My mum smells your fingers

[Rogerborg]

Agree with Mr Wheel, a NCD is now a "thing", not a "state". A single NCD is built up per (qualifying) policy and is transferable to one other policy.

I'm fairly sure that at some point, insurers will introduce an explicit "NCD number" to identify a specific discount. At the moment it's all a bit vague and you could (in theory) send off copies of the same "proof" of NCD to two new insurers at the same time and hope that they both accept it.

Anyway, to answer the question, all the T&Cs I've read recently say that they'll only accept a NCD from a UK policy that expired in the last 2 years. You'll want to get a move on.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[G]

Generally it's 2 years before it 'runs' out, so try and it all checked up and sorted before then!

Never heard a case of requiring no bike insurance in the mean time.

You can have both no claims bonus and had claims in that time, if the claims were on another policy.
Protected no claims get a little more complicated.

[fliolly]

The bit i don't get is i have max NCD due to 20yrs driving a car, then i decide not to insure a car and insure a bike(named driver on current Mrs Pilch's car policy) only to be told they can't take NCD into account cos bike is diffrent transport. so i got an old car just to potter about in and keep insurance current. but when you get points on your license for a bike offence or make a claim on bike policy they hit the car policy or vice versa on renewal, wankers the lot of them!

[Wafer_Thin_Ham]

[Minty]

[G]

[Minty]

Depends on the gap.

I has seen me plenty, squire. (car insurance)
____________________
My fingers smell of your mum.

[G]

Never had and had a few where it's been near the 2 years, including when there's been a claim in the middle, but on a different policy.

[kal9001]

Some of the comments on here have sparked a question. If I have a car and a motorbike, and the insurance for each is with a different company then how is NCD worked out?

On the car policy it asks if I also have motorbike insurance, which I would answer yes, and enter the figure, But it also asks what NCD on a previous motorcar which is more than the bike, so I put this figure in.
The bike insurance asks the same, if I have any motorcar NCD and what the amount is.

So the car is insured with 6 years NCD as I have been insured on my car for 6 years, this year will be my 7th.

The bike is insured with 2 years NCD (due to a gap between riding it reset) this is from being insured for the last two years on a motorbike.

both insurers know of these circumstances so if there was a problem they would have let me know right???
Or are they saying it as a get out clause if I make a claim in future they can just bitchslap me with it and void the cover and refuse to pay?

Also I noticed that the bike insurance when asking if I made a claim in the last 5 years blah blah blah on the list of stuff you have claimed it asks if ive claimed windscreen repair, which I did last year on the car, how the hell should this affect the bike cover!?!
____________________
Anyone stupid enough to think we will drag a load of wooden horses full of soldiers into our city is certanley stupid enough to drag all of ours into theirs!

[G]

Especially on likely 'second' vehicles, some companies will ask if you have NCB for other vehicles.
This means that if you've just got a bike, but have a good driving record in a car, they may give you a lower figure.
And thus, it seems reasonable they ask if you've had claims such as wind screen claims on that second vehicle.

The actual NCD is always worked out purely from the one you 'use' - ie if asked to send the proof of NCB, that one.

[Wafer_Thin_Ham]

[Yarri]

Car and Bike NCB are separate, insurance companies which are not as much cunts as other usually allow you to use your previous NCB within 2 years untill they expire, at least thats how it was for me .
____________________
Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[N cee thirty]

quick ncb question

i have a 1year ncb i use on my cg policy atm,if i cancel the cg policy,can i use the ncb to insure my fazer? all different companies btw
____________________
'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[Minty]

Yes. You can use it at the present company too. It is one complete year of NCD. You don't get the second year as you are cancelling mid term.
____________________
My fingers smell of your mum.