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CarlBCFC
Two Stroke Sniffer



Joined: 09 Jan 2013
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PostPosted: 23:50 - 09 Jan 2013    Post subject: No Claims Bonus Reply with quote
I'm a little confused... A had a moped in Sept. 11 until Feb 12, which i changed insurance companies to accomodate a 125 which i had bought. I'm hopefully getting a 600 within the next few weeks, will I have to wait until I pass my year of insurance with my 125 (feb) to get my 1 yr ncb or do i get it because I had a moped previously?
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covent.gardens
World Clap Champion



Joined: 09 Jun 2012
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PostPosted: 23:51 - 09 Jan 2013    Post subject: Reply with quote
You will have to wait, you only get NCB awarded at the end of 12 months continuous policy with the same insurer.
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CarlBCFC
Two Stroke Sniffer



Joined: 09 Jan 2013
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PostPosted: 23:54 - 09 Jan 2013    Post subject: Reply with quote
Ok cheers!
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 09:40 - 10 Jan 2013    Post subject: Reply with quote
Just to add had a 125 in last February on a cbt then in the summer I passed my full test, so next month will I have 1 years no claims?
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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GrumpyGuts
World Chat Champion



Joined: 20 Jan 2012
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PostPosted: 11:12 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
Just to add had a 125 in last February on a cbt then in the summer I passed my full test, so next month will I have 1 years no claims?


Yup - I passed my CBT last January, passed my bike test in October and getting my NCB this week. Plus in a year, I've had 4 different 125's Laughing
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My Bikes: Lifan Beat 125cc '11 -> Suzuki B120P '76 -> Suzuki EN 125-2A '08 -> Honda CG 125 '04 -> Honda CB600F Hornet '98 -> Kawasaki ZZR 600 '99 -> Kawasaki GPZ 500S '95 (Current)
Theory test passed - 09/02/2012 >>>> Module 1 passed 24/07/2012 >>>> Module 2 passed 24/10/2012
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 11:17 - 10 Jan 2013    Post subject: Reply with quote
Cheers Thumbs Up
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Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 12:50 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
Just to add had a 125 in last February on a cbt then in the summer I passed my full test, so next month will I have 1 years no claims?


As long as you have had ONE continuously in force insurance policy with ONE insurer and had NO claims, then at the renewal date of your policy you wil have one year's no claims bonus.
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 13:05 - 10 Jan 2013    Post subject: Reply with quote
arry wrote:
Conzar wrote:
Just to add had a 125 in last February on a cbt then in the summer I passed my full test, so next month will I have 1 years no claims?


As long as you have had ONE continuously in force insurance policy with ONE insurer and had NO claims, then at the renewal date of your policy you wil have one year's no claims bonus.


Right in October I brought a 650 and took out a completely new policy with someone else, then someone hit me now I have a claim. any difference?
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 13:09 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
Right in October I brought a 650 and took out a completely new policy with someone else, then someone hit me now I have a claim. any difference?


If you took out a new policy in October then the period from February 12 to October 12 is redundant and you earn nil bonus from it.

You'll have to wait until October 2013 for the POSSIBILITY of receiving a year's no claims bonus which is entirely dependent on a) the incident you've already had being settled, entirely, as non-fault (ie third party having admitted 100% liability) and b) you not having any further incidents.
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 13:43 - 10 Jan 2013    Post subject: Reply with quote
FFS even if it with a completely different broker, company Sad
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 13:48 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
FFS even if it with a completely different broker, company Sad


Buy a 50cc ped, put in garage.
Insure it and tax it yearly. Don't ride it.

NCB builds itself like a boss.
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 13:50 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
FFS even if it with a completely different broker, company Sad


Not sure either I'm reading you right or your reading me right, or both

Can you explain again what you've done?

My understanding is:
1) Took out insurance policy on a 125 in FEbruary 12 and run that until October 12, at which point it was cancelled
2) In October 12 you took out a new policy with a different insurer on a 600
3) On the 600 you've had an incident which has been reported to the insurers of the policy you took out in October 12?

Is that correct?

If so, then as I've said above ^^
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Doovy
World Chat Champion



Joined: 21 Jul 2008
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PostPosted: 13:54 - 10 Jan 2013    Post subject: Reply with quote
##Paddy## wrote:

Buy a 50cc ped, put in garage.
Insure it and tax it yearly. Don't ride it.

NCB builds itself like a boss.


ohhhh so that's how you're still on the road Razz
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 13:56 - 10 Jan 2013    Post subject: Reply with quote
arry wrote:
Conzar wrote:
FFS even if it with a completely different broker, company Sad


Not sure either I'm reading you right or your reading me right, or both

Can you explain again what you've done?

My understanding is:
1) Took out insurance policy on a 125 in FEbruary 12 and run that until October 12, at which point it was cancelled
2) In October 12 you took out a new policy with a different insurer on a 600
3) On the 600 you've had an incident which has been reported to the insurers of the policy you took out in October 12?

Is that correct?

If so, then as I've said above ^^


October I did not cancel and kept the 125 insured and still is now. if you understand?
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 14:00 - 10 Jan 2013    Post subject: Reply with quote
Conzar wrote:
October I did not cancel and kept the 125 insured and still is now. if you understand?



RIIIIIGHT, now I'm getting ya. In that case, then the 125 policy will have accrued 1 years no claims bonus come February assuming you don't have an incident which could or does attach to that policy.

With regards your other policy - your NCD will be held 'in abayance' until such point that liability for the incident is decided. If it goes 100% non fault for you, then it will be reinstated - so you'll have 2 lots of 1 years NCD

Note; you can't accumulate that into 2 years NCD, it will remain as two separate chains of NCD
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 14:09 - 10 Jan 2013    Post subject: Reply with quote
Ahhh cheers for clearing everything up pal! Thumbs Up
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 14:40 - 10 Jan 2013    Post subject: Reply with quote
Doovy wrote:
##Paddy## wrote:

Buy a 50cc ped, put in garage.
Insure it and tax it yearly. Don't ride it.

NCB builds itself like a boss.


ohhhh so that's how you're still on the road Razz


3 lots of NCB, fuck having just the one. I'd be screwed
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Doovy
World Chat Champion



Joined: 21 Jul 2008
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PostPosted: 14:41 - 10 Jan 2013    Post subject: Reply with quote
##Paddy## wrote:

3 lots of NCB, fuck having just the one. I'd be screwed


Yeah, I hear you like everything in threes Wink
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Conzar
World Chat Champion



Joined: 11 Jun 2012
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PostPosted: 14:47 - 10 Jan 2013    Post subject: Reply with quote
Doovy wrote:
##Paddy## wrote:

3 lots of NCB, fuck having just the one. I'd be screwed


Yeah, I hear you like everything in threes Wink

Shhh!
____________________
Current ride: ZX6R 636 ------- Previous:KTM EXC 450 Supermoto --- ZX6R B1H --Hornet 600--CBR 600--SV650
11:05:35 Rob Fzs: i just wanna own an rd350 valve before they send us to war with durkadurkastan
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garth
World Chat Champion



Joined: 15 Dec 2004
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PostPosted: 14:54 - 10 Jan 2013    Post subject: Reply with quote
Doovy wrote:
##Paddy## wrote:

3 lots of NCB, fuck having just the one. I'd be screwed


Yeah, I hear you like everything in threes Wink



Fingers up the arse mainly though.
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 16:33 - 10 Jan 2013    Post subject: Reply with quote
garth is my fisting buddy, he takes 2 whole hands Thumbs Up
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