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mysterious_rider
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Joined: 11 Sep 2010
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PostPosted: 11:33 - 18 Apr 2012    Post subject: Two bike policies running.... Reply with quote

Hi guys, I've got two bike policies running atm, one I've had for four months, and the other has literally just started. Stated I had 0 no claims. However, I've only just remembered you can sometimes use car no claims?

I have a years car no claims but no proof. Aviva never sent me a certificate?

I'm with Aviva for my gs500 and bikesure for my zzr £1k a year for both bikes.

If I phoned my insurances up now and told them about the years no claims would the price decrease even though the policies are already running?
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P.addy
Formerly known as
P.



Joined: 14 Feb 2008
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PostPosted: 11:40 - 18 Apr 2012    Post subject: Reply with quote

Probably wont accept it as its car NCB, not worth the hassle calling them.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 12:21 - 18 Apr 2012    Post subject: Reply with quote

You can request proof of your NCD from Aviva. However, if you try and amend either of your policies, then even if they accept car NCD (most don't) you'll get slammed with admin fees

Aside, how on earth did you manage to pay £1k insurance on a GS500? The bike isn't likely to be worth that much, and my GPZ500 was a no-cost switch from a 125.
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Kwaks
I'm not a fast rider



Joined: 28 Jan 2006
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PostPosted: 12:44 - 18 Apr 2012    Post subject: Reply with quote

1k for both bikes, not 1k each I would imagine.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 13:35 - 18 Apr 2012    Post subject: Reply with quote

Kwaks wrote:
1k for both bikes, not 1k each I would imagine.


Ah, fair point. It are funny pluralities.
____________________
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
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rtho782
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Joined: 08 Jun 2011
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PostPosted: 13:38 - 18 Apr 2012    Post subject: Reply with quote

Aviva won't accept car NCB on a bike, but they also don't make you declare car accidents on a bike policy (hence why I'm with them).

Not sure about bikesure.

To be honest it probably isn't worth the hassle and as they already have your business they probably won't be inclined to help you.
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P.addy
Formerly known as
P.



Joined: 14 Feb 2008
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PostPosted: 13:52 - 18 Apr 2012    Post subject: Reply with quote

rtho782 wrote:
Aviva won't accept car NCB on a bike, but they also don't make you declare car accidents on a bike policy (hence why I'm with them).


Erm...

I'd definitely recheck. They cancelled my bike insurance because I didnt declare 1 car accident... As far as they care, a claim is a claim.
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mysterious_rider
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Joined: 11 Sep 2010
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PostPosted: 13:52 - 18 Apr 2012    Post subject: Reply with quote

Yeah I won't bother then guys cheers.

To clarify, it's 1k for both bikes Laughing So £550 for the GS, and 450 ish for the zzr.
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UnspeedySam
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Joined: 25 Nov 2009
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PostPosted: 14:57 - 18 Apr 2012    Post subject: Reply with quote

mysterious_rider wrote:
Yeah I won't bother then guys cheers.

To clarify, it's 1k for both bikes Laughing So £550 for the GS, and 450 ish for the zzr.

Bike insurance makes absolutely no sense. How is a GS500 more to insure than a ZZR!?
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Kal
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Joined: 02 Jan 2007
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PostPosted: 14:59 - 18 Apr 2012    Post subject: Reply with quote

Beech, how just is just with the policy starting? Is it still with in the cooling off period???

If it is then it might be worth trying to do something.
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rtho782
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Joined: 08 Jun 2011
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PostPosted: 15:17 - 18 Apr 2012    Post subject: Reply with quote

##Paddy## wrote:
rtho782 wrote:
Aviva won't accept car NCB on a bike, but they also don't make you declare car accidents on a bike policy (hence why I'm with them).


Erm...

I'd definitely recheck. They cancelled my bike insurance because I didnt declare 1 car accident... As far as they care, a claim is a claim.


I did!

Were you through a broker? This may change things, as I am direct with them.

Their online FAQ (now gone as they no longer quote for bike policies online) clearly stated that I didn't need to declare car accidents, so when I did the actual quote I called them, knowing that all calls are recorded, explained to the agent that I had car accidents but had been told I didn't need to declare them, he agreed with me, we proceeded with the quote and I paid for the year there and then.

If there is later a dispute I will have then pull the call recording Smile

Once I find the cheapest provider I always do my actual quotes and purchases over the phone, as if you do it online and there is an error they blame it on you, if you do it over the phone it is recorded and you can blame them!!

Different providers view the whole bike/car thing differently. Aviva don't ask for car accidents on bike policies direct with them, or let you transfer car NCD, but Direct Line for example let you use bike NCD on a car.
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