Using NCB on more than one policy?

[Jayy]

Slight dilemma for me...

I still have my policy that's running on the KTM, I'm insured up until September 7th, which will net me my 3 years NCB.

I have rang my insurers and asked for a quote on a ZX10R and they said I need to pay them £122 to swap it over. My KTM insurance is TPF&T and I want FC on the ZX. I asked them for a FC quote and they came back with something ridiculous like £2,600. Well, fuck that, I've had quotes from other companies for £800 FC and it's just not happening.

How does it work with NCB, I was under the impression that you can only use your NCB on one policy at a time? It's almost exactly 2 months until I get my 3rd year, so how can I sort this out?

It has been suggested that I tell my current insurers my predicament and see if they can honor my 3 years NCB early as the policy is all paid up, not sure if that's possible?

Going to ring them tomorrow and see but failing that, I don't know how else I can get round it? I don't want to take out a new policy and have 0 NCB.

[Glenben92]

Either:

Wait

Swap the bikes for the remainder of the policy and pay the difference, then when you've got the 3 years NCB, fuck off to someone reasonable. (This is by far the best option)

Take out a monthly policy with 0NCB on the new bike and let the old policy run through till you get your NCB.

You can't use your NCB on more than one policy under any circumstances. The very odd occasional insurer may give you the 3 years NCB early but I'd very much doubt it, I tried that myself but ended up having to take option one instead.

Now bend over a little further, coz you're gonna get shafted regardless unfortunately, mate.
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