Insurance. Transfer of NCB from car to bike

[jonnys]

Hello all. Used to be a biker, racked up 10 years NCB (mostly with Carole Nash) then went to car (transferred my NCB) and now I want to buy a bike again. Phoned up Carole Nash only to be told the law has changed recently and you can no longer transfer your NCBs. So my proud history of NCB's has been wiped, just like that. I'm 40, I want to get a gixxer1000 k1 (value 1K) and I was quoted the same for 3rd party despite my unblemished record (which now means nothing according to them). Do you guys know if this is a new *statutory* law and I've not got to start all over again? I can really do without having to get a piece of cr&p for a few years while having to build my NCB's again. If it's not statutory, does anyone know of an insurance company who would transfer my car NCBs (which originally came from my bike!) back to my bike again?

Thanks in advance.

[kerr]

No claims or not i cant imagine the insurance to be very high at 40, have you had a look at price comparison sites?
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aprilia 125 Af1 Futura >> Suzuki gsxr 600 srad >> J1 zx6r >> cbr 600rr >> Speed Triple

[Polarbear]

Moneysupermarket always have given me the best rates for bike insurance and I'm an old fart as well.
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Triumph Trophy Launch Edition

[P.]

GSXR1000 K1 will be in the 2k realm. Not 1.

Your age and licence should help.

[grr666]

41, zero no claims, newly passed rider, 2013 ER6f, full comp plus more extras than I can be arsed to type. £111

Just get some quotes. I was with Swinton last year, Bennetts this year.

Price was unchanged but the level of cover and added extras are better at Bennetts.

I thought my first year would be about 500 quid, I was pleasantly surprised. I do live in good postcode though,
IMO that's what makes the most difference.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[defblade]

Don't know whether it's law or not, but I got stuffed the other way around recently, trying to use bike NCB against a car, so it seems to be 100% industry standard
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Honda Varadero 125cc => Suzuki Bandit 650 33bhp => 77bhp =>
BMW K1200R Sport 163bhp => Aprilia Shiver GT 750 95bhp

[jonnys]

Cheers. It's a crashed k1 hence the value and was quoted 1K for 3rd party. Basically because it's zero no claims and parked in the street. I wanted to get a knackered one so i dont have to worry to much if it got stolen or whatever (i have no drive nor garage).

I know if i had my NCB's i'd pay about 2/300. My previous gixxer 750 k1 was parked in the street, fully comp etc and i paid less than 200 with CN and that was when i was in my mid 30s.

Thanks for your info on insurance companies / websites - ill give them a try. But despite my old age etc etc...i'm not going to get a quote like i'd get if i had my NCB. This is really annoying as it took me ten years of being a good boy to get that and then they just turn around and say they dont matter anymore. With those NCB' i could get pretty much any bike i want without really needing to faff around shopping. Comparison websites aside, there's also nothing worse than having to go through phone quotes and regurgitating the same old details for ages then getting a silly quote and having to repeat the process over and over. What a yucky business!

[Rogerborg]

My cheapest quotes generally come from www.thebikeinsurer.co.uk

[ms51ves3]

[DJP]

NCB has nothing to do with the law - it's purely discretionary on the part of the insurer.

The solution is to find one that will accommodate you.

Good luck.
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Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https

[iooi]

[jonnys]

Hey thanks for that. That 24 month thing does seem to be the norm, unfortunately mine was about 5 years ago. I heard that generally you lose 1 yr ncb for every unused year so it should be possible(?) to get 5 years from the 10 by phoning around a bit...Anyway glad it's not 'the law' (naughty Carole Nash....they should know better), admiral confirmed this to me yesterday also (my car policy is with them). If I get any success, ill post again which may help others in the same situ.

Many thanks for your comments, much appreciated

[jonnys]

Damn these b*&*grs...i've phoned up all the major bike insurers and they all said a policy has to have been active in the last 24 months. Looks like i've well and truly lost them. Ill be over 50 to get where i was now!

[Rogerborg]

Yup, sorry, I've only ever seen them allowing it from within 2 years, and they're getting all "Why ain't yer bin using it, then? Eh? Whatcher bin up to?"

Their game, their rules, sadly.
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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

[blueglue]

Well ive been finding insurance companies seem to make it up as they go along.

Bit off topic (as this is my cager) but this whole capping NCB at 5-9 years is a joke. I was with Hasting the last two years and should show 12 years NCB.
Having just quoted and purchased insurance with AxA i get promptly told my NCB is 9 years!

AxA are now querying my no claims as i declared three more than ive been issued...ffs!