Help & FAQs    Search BCF    Members    Groups    Events Calendar
Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Can you use NCB on two policies?

 Reply to topic
Bike Chat Forums Index -> General Bike Chat
View previous topic : View next topic  
Author Message

Wafer_Thin_Ham
Super Spammer



Joined: 18 Nov 2005
Karma :
PostPosted: 16:25 - 26 Jan 2009    Post subject: Can you use NCB on two policies? Reply with quote
I need insure on the ZX6R, but I'm already using my NCB on the CBR.

I assume I'd be able to use it again on the ZX6 policy with a different company, but the lady on the phone said I couldn't as I was already using it on the CBR policy.

I've never heard of that one before, does anyone know for sure?
____________________
My Flickr
 Back to top
View user's profile Send private message You must be logged in to rate posts

MarkJ
World Chat Champion



Joined: 11 Apr 2006
Karma :
PostPosted: 16:29 - 26 Jan 2009    Post subject: Reply with quote
I think she's right. One lot of NCB per policy only.

Can be a good thing though - have an accident on one policy and it only wipes out your NCB on that single policy.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Wafer_Thin_Ham
Super Spammer



Joined: 18 Nov 2005
Karma :
PostPosted: 16:35 - 26 Jan 2009    Post subject: Reply with quote
Bah, homo. Laughing
____________________
My Flickr
 Back to top
View user's profile Send private message You must be logged in to rate posts

tzr
Nitrous Nuisance



Joined: 18 Jul 2008
Karma :
PostPosted: 16:57 - 26 Jan 2009    Post subject: Reply with quote
It's just insurance companies making more cash. NCB should be applicable to any and multiple policies, it's proof that you're a lower risk than someone without it therefore should lower any premium.
____________________
Previous: An almost immaculate FZR400 '86 - Current: A sorry looking FZR400
 Back to top
View user's profile Send private message You must be logged in to rate posts

Kal
World Chat Champion



Joined: 02 Jan 2007
Karma :
PostPosted: 17:05 - 26 Jan 2009    Post subject: Reply with quote
Afraid she is right. It is standard practise and it's mostly to stop people trying it on with multiple policies.

Go for a multibike policy.
____________________
Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Wafer_Thin_Ham
Super Spammer



Joined: 18 Nov 2005
Karma :
PostPosted: 17:08 - 26 Jan 2009    Post subject: Reply with quote
Kal wrote:

Go for a multibike policy.


Tried that, but since my dad is insured on my policy too you can't do multi bike, multi person policies.

Sad
____________________
My Flickr
 Back to top
View user's profile Send private message You must be logged in to rate posts

arry
Super Spammer



Joined: 03 Jan 2009
Karma :
PostPosted: 17:10 - 26 Jan 2009    Post subject: Reply with quote
tzr wrote:
It's just insurance companies making more cash. NCB should be applicable to any and multiple policies, it's proof that you're a lower risk than someone without it therefore should lower any premium.


No it's not - it's an appreciation that in the last 5 years of paying the premium for that policy you've not claimed, thus you can knock 10% off for the following year because there's cash in the kitty.

You wouldn't be using that argument if you had 4 policies running with full NCB and had a £500 car park ding which resulted in all 4 of your policies getting their NCD knocked back and costing you a fortune.


FWIW there IS a way of using your NCD twice (or more) but it's a bit on the tricky side, takes a bit of prep and is what you'd call morally questionable. But there is a way. Not going to announce it publically, for obvious reasons, but there is a way.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Kal
World Chat Champion



Joined: 02 Jan 2007
Karma :
PostPosted: 17:10 - 26 Jan 2009    Post subject: Reply with quote
Big_Ham wrote:
Kal wrote:

Go for a multibike policy.


Tried that, but since my dad is insured on my policy too you can't do multi bike, multi person policies.

Sad


I can on my eBike policy. Not the cheapest policy out there though.
____________________
Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Wafer_Thin_Ham
Super Spammer



Joined: 18 Nov 2005
Karma :
PostPosted: 17:12 - 26 Jan 2009    Post subject: Reply with quote
Aa, ok, I can't with Axa. I'll just do some cancelling and start a fresh policy with another company. Thumbs Up
____________________
My Flickr
 Back to top
View user's profile Send private message You must be logged in to rate posts
Old Thread Alert!

The last post was made 16 years, 154 days ago. Instead of replying here, would creating a new thread be more useful?
  Display posts from previous:   
This page may contain affiliate links, which means we may earn a small commission if a visitor clicks through and makes a purchase. By clicking on an affiliate link, you accept that third-party cookies will be set.

Post new topic   Reply to topic    Bike Chat Forums Index -> General Bike Chat All times are GMT
Page 1 of 1

 
 You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You cannot attach files in this forum
You cannot download files in this forum

Read the Terms of Use! - Powered by phpBB © phpBB Group
 
Debug Mode: ON - Server: birks (www) - Page Generation Time: 0.06 Sec - Server Load: 0.94 - MySQL Queries: 17 - Page Size: 63.46 Kb