Car insurance question

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

Looking at finally passing my car test this year and maybe getting a motor.

This question is confusing me

What type of licence do you have, that is easy UK full.

How long have you held it, now I passed my bike test in 2005, but would have passed my car test only recently.

If I put 0 years prices are £1500+ if I put 6 prices are £700.

https://www.bikechatforums.com/download.php?id=80505
What do you reckon?
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Car insurance, How long have you held your CAR entitlement.

You have a FULL BIKE LICENCE now, provisional car.

When you pass car test you'll have held your FULL UK CAR for 1 day.. the date will be stamped on the bike.

Hope that helps. Thumbs Up

1st year car insurance...and subsequent performance cars are so expensive.

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

It doesn't say car entitlement, It says driving licence I have 1 driving licence which has been full for 5-6 years.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

OK, well your insurance will see it as how long have you had your full uk licence with car entitlement.. Laughing

They aren't fussed if its a bike, you didnt gain experience in a car if you get what I mean. Your car pass will be stated on the back... if it worked that way people would just used the first date they passed Laughing

I'd have an additional year giving me another discount, wont work that way.

Like having a car since 2004 and then getting DAS in 2011 and getting a GSXR, saying you have had licence since 04 will obviously give you better quotes, but insurers will just cancel insurance when you send in copy of licence Neutral

sniff6 · World Chat Champion Joined: 23 Apr 2010 Karma :

Why not ring your bike insurance and ask for a quote,They may give you a better deal.I passed my bike test before my car and got a years no claim bonus.
____________________
'Great Britain' Love it https://img43.imageshack.us/img43/3967/67004290.gif or Leave it

Drew · Banned Joined: 09 Aug 2006 Karma :

The quote is for CAR insurance. It is asking your license type and years held for a CAR obviously.

cagiva gezzer · World Chat Champion Joined: 17 Mar 2003 Karma :

Ring them. I managed to move my bike NCB to the car policy when i started. Had a car license for a few months, with 5 years NCB.

Bike policy went up from £80 to £150, while car dropped from £1,000 to £300.
____________________
"because one stroke isnt enough and four strokes waste two"

Paulington · World Chat Champion Joined: 11 Mar 2009 Karma :

Seriously? Are you sure you aren't trolling?

They are ONLY INTERESTED in the licence for which is required to legally drive the vehicle you are getting a quote on! Later on you can put "Own a motorcycle" or whatever but it makes no odds to them whether you've had a motorcycle licence for 1 year or 50 years.

TL;DR: Licence entitlement that legally permits you to drive the vehicle you are quoting for.

Some companies will allow you to put your bike NCB on your car, it is worth asking. Thumbs Up

!
____________________
"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

benvanwell · Nitrous Nuisance Joined: 10 Apr 2007 Karma :

To play devils advocate, you have a licence which legally allows you to drive a car as soon as you get your provisional. When I first passed my car test I thought it meant full car licence as well and put this down for the quote.

The premium was significantly more than if I put either the date I first got my licence, or the date I passed my bike test. In the end I phoned up a couple of companies which came out top and some accepted the date I got my licence (provisional). Strictly speaking, someone who has had a provisional for e.g. 5 years could have 5 years driving experience.

Looking at it another way, if you lose your licence (banned) then you lose all entitlements - you only have one licence, so how long have you had it?
____________________
Currently Riding: Triumph Sprint ST 1050
Previous: GSF600s, GS500, BMW F45, CG125

0l0dom0l0 · World Chat Champion Joined: 21 Oct 2009 Karma :

It says, what type of license do you have that entitales you to drive this vehicle? You say full.

It then says how long have you held the license selected above?

It's referring to car license.
____________________
CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

Drew · Banned Joined: 09 Aug 2006 Karma :

Kwaks · I'm not a fast rider Joined: 28 Jan 2006 Karma :

They cant have their cake and eat it.

In this country you can only hold one licence wth multiple entitlements. That license is ether full, provisional, or even full with additional provisional entitlement. All points go onto the one licence as you can only hold ONE. Therefore when insurance ask how long have you held your licence then the answer is the issue date printed on it, as the question is looking for driving experience.

When I worked insurance, you would be surprised how many held their provisional for 4/5 years or more, in fact by passng their test it was a factor in increasing price that the "held licence" reverted to o years.

So you currently have a full licence, thats it.
____________________
Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Ok,

I'll put it this way.

My flatmate is doing his mod2 today.

Held car licence for 4 years.

When he goes to insure his '92 GSXR today should he pass... would he put down 4 years.

No?

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

A reasonable person would conclude that they're interested in how long have you've had car entitlement. That reasonable person test is what will ultimately matter, in the event of a dispute. Don't try to get smart, you're only kidding yourself.

Of course, if they come back and say "Oh, sure, bike entitlement counts, have £800 off the price", I'm cheerfully eat my lid. Wink

____________________
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

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

0l0dom0l0 · World Chat Champion Joined: 21 Oct 2009 Karma :

Okay if you want to put 5/6 do it Laughing

Then when you send your driving license off and they look at the date you passed your DRIVING test and see it wasn't 6 years and they cancel your insurance you'll then have to declare that you've had insurance cancelled etc.

Currently you have had a car provisional for 5/6 years so if you were getting insurance for a car on l's you would put the 5/6 years.
____________________
CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Sod insuring that Volvo Laughing

It costs me half of your starting quote for a sports car, I dont have the best history with claims either Laughing

chris-red · Have you considered a TDM? Joined: 21 Sep 2005 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :