No claims transferrable to cars

[Jammy-R6]

Anyone done this before? Need a list of insurers that accept No claims from motorcycles transferrable to the car policy. I know direct line do, need more!

[colin1]

i think tesco might
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colin1 is officially faster than god

[cagiva gezzer]

Churchill do.

The NCB's have to be moved as one block. i.e. if you have three years you can't leave one with the bike and move two to the car policy.
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"because one stroke isnt enough and four strokes waste two"

[G]

Tescos do do it.

[mrchips]

I didn't think this could be done. Though how would that work with me, 3 years NCB but one of those was picked up when I was 16. Would I only be able to transfer the two?
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Northern Irish? www.nibikers.com

[G]

Just tell them that you have a certificate showing 'X' years no claims.
So should be able to get all 3.

Do remember that this is /transferring/, so you can't use it on the bike anymore.

[Jammy-R6]

I have 1 year no claims available to use, but passed my bike test in 2005, and car in 2006, so under the period iv held my lisence can I put 1 year as its when i first got my bike lisence?

[cagiva gezzer]

As just said, you can't use them on your bike. You can't split them. I had 5 yrs from 16-21 on a 50+125.

They didn't care what it was from, it was just "NCB". As long as my bike company was happy to release them i was able to transfer them to the car policy.

Took my car policy down from £800/900 with 0NCB to £250 with 5NCB.
Pushed the bike up from £90 with 5NCB to £<200 with 1NCB.

Not a mistake, but i did gain an extra years ncb by doing this. When i took out my car policy i asked (and recorded so i had proof they made the mistake) if i could split my bike ncb's to give me the most favourable amount of ncbs on each policy. They said yes.

A month after the policy started they wrote to me saying my policy is void as my ncbs are still being used for my bike. I argued that one was, but four were on the car. They informed me this isn't allowed as in theory you'd be able to insure 5 separate cars and bulk together all the ncbs to get 5yrs ncb after one year.

Told them that they'd agreed to take four of my five. They said they hadn't. I said they had. Back and forth until i mentioned that the conversation was recorded at my end. They phoned me the next day and they agreed that they made an error and to save me cancelling the policy they'd give me and "free years ncb" to "prevent me accumulating a extra years ncb on a split policy" (but didn't you just do that by giving me one? )

I digress.....

If it works out cheaper to keep some ncb's on your bike, try it, act dumb, BUT keep proof that they agreed. Most mobiles record phones, just ask the operator at the start of the call if you can for your own records.


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"because one stroke isnt enough and four strokes waste two"

[fast_tzr]

So would this work on a moped, say I've got one years ncb on the ped, can i then transfer that onto a car once I pass my test?

[cagiva gezzer]

[G]

I've had people question why I've got no claims on my van that's 3 years longer than I've held a car licence, but they haven't been bothered providing I've got the cert to prove it.

[Jammy-R6]

[RI_HA]

this is quite an interesting thread

I know its mainly about motorcycle to car NCB.

But I have 2 years no claims on my car, anyone know who would accept that on a bike?

[cagiva gezzer]

[paulthewitt]

it can be done providing the insurer is happy to use m/c NCD. anyone under RBS does accept, so thats:

Natwest
Royal Bank of Scotland
Virgin
Tesco
Some Lombard
MBNA (new policies only)
Churchill
Direct Line


most of these are underwritten by UKI insurance. there are other within our group but i dont deal with them so am not sure....these include

BMW
NIG
Privilege
Inter Group
Devitt

hopes this helps a little

[colin1]

[matt89]

so i can move my 1yrs no claims bonus on my ped over to a car? or is it just for full bike licences that it can be done?

Matt

[bennyboy]

Everyone listen to me

This is a REALLY good trick for if you are young and have a few years bike no claims bonus, but want a car aswell. You can mirror the no claims bonus so u can get the ncb on both car and bike policy.

Im 19 and have 2 years bike no claims, at renewal i ask them to lapse the policy, which then gives me a paper from the insurers showing 2 years ncb. I give that to the car company that accept M/C ncb. Next you phone up your bike insurers and say you have changed your mind and want to continue the bike policy.

You now have a car policy with 2 years NCB (even though i had never driven a car previously) and your bike with 2 years ncb

Sorted
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2000 peugeot speedfight....1999 RS125....2001 RS125....1997 GSXR600 srad

[Robby]

Congratulations, you've just committed insurance fraud. Enjoy being reamed when you have to claim.

[Jammy-R6]

[fast_tzr]

As others have said, not really a good idea to scam the insurance, if they're gonna rip me off every year anyway I'd like to get some money if I was to have an accident. Not to mention the fact they could probably sue you for it or something.

[ranna]

If you transfer your bike NCB to car can you transfer them back to the bike at a later date
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My Two Babys- 2007 Stealth YZF-R1- 2006 K6 Suzuki GSXR750 Track Bike
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[cagiva gezzer]

Yes, as long as the car policy is no longer using them or they are willing to release them.

Transfer them as much as you like, just can't split them or add them together.
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"because one stroke isnt enough and four strokes waste two"

[fast_tzr]

[cagiva gezzer]

Some of my ncb's were from a ped on a cbt. Ncb's are ncb's...
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"because one stroke isnt enough and four strokes waste two"