No claims question

[Irn-Bru]

Right so, took out a policy last year with 2 years no claims on my old DRZ, policy ended today so it's 3 years now... but... at the start of the month I started a new policy on a new bike with the 2 years no claims as I was too inpaitient to wait until the end of the month to look for a new bike. Am I right in thinking it makes no difference since the new policy was started before I officially had 3 years NCB? Just want to make sure
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KTM 990 SMT & Suzuki DR-Z 400 SM

[Easter Bunny]

If you started a new policy you still have 2 years, if you transfered the exsisting policy you now have 3 years.

Is it with the same insurer??
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The light at the end of the tunnel is an oncoming train!

[P.addy]

Yea you only really have 2 on the KTM, unless you cancel now and start new with 3 years NCB, might work out cheaper overall, might not...worth having a check

[Irn-Bru]

Yea sorry, it's with a new insurer, it was a bit complicated, I needed the old policy as I still needed to legally ride the DRZ

Might do Paddy. I'm with Bennetts now, and the extra years no claims would drop the price £75, but obviously cancelling and all that could cost that, suppose I could give it a shot.
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KTM 990 SMT & Suzuki DR-Z 400 SM

[P.addy]

[arry]

Your bonus wasn't valid to use at all on the second policy whilst still in use on the first

[Irn-Bru]

Best not mention that then They didn't ask for proof mind... I was planning on explaining the situation over the phone but if that's the case they could be dicks about it and charge me fees equivalent to a months insurance @ 0 years no claims could they not?
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KTM 990 SMT & Suzuki DR-Z 400 SM

[Babba]

[Irn-Bru]

Fair enough, I'll just say I've sold the bike then.
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KTM 990 SMT & Suzuki DR-Z 400 SM

[Irn-Bru]

Getting refunded £520 from the original £600, so that's a months insurance that's I've used so far (£50) + their fee (£30) - fair enough. Then my new policy with the extra years no claims is £535 so it's all good Next year I'll have 4 years NCD instead of 3
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KTM 990 SMT & Suzuki DR-Z 400 SM

[P.addy]

Good man, gay name change though

[Rogerborg]

Good move, you don't want to get shagged later because you (accidentally) scammed them on that NCD.

I think insurers tend to assume that everybody knows that NCD is a "thing" that can only be transferred from one policy to another, rather than a "status" that applies to all policies. But there's no way to know this until you've had it explained.
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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

[Irn-Bru]

[P.addy]

I'd have a KTM over Irn Bru...So uh, gay

[Irn-Bru]

I prefer both, at the same time I change my name all the time, I get bored, but the old one was too long.
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KTM 990 SMT & Suzuki DR-Z 400 SM