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UnknownStuntm... |
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UnknownStuntm... World Chat Champion
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owl |
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owl World Chat Champion
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andyscooter |
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andyscooter World Chat Champion
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Fin |
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Fin World Chat Champion
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oldpink |
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oldpink World Chat Champion
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Fin |
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Fin World Chat Champion
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oldpink |
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oldpink World Chat Champion
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P. |
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P. Red Rocket
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UnknownStuntm... |
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UnknownStuntm... World Chat Champion
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stephen_o |
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stephen_o Spanner Monkey
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andym |
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andym World Chat Champion
Joined: 16 Nov 2010 Karma :
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Posted: 23:35 - 17 Apr 2018 Post subject: |
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I lost out on 9 years no claims on cars (about 7 years ago), when it was cheaper to insure bikes, a couple of years ago I insured a car again for £880.... then I made the mistake of buying a van and insuring it.
Even though going through the application process it asked me about car NCB and van NCB I entered zero years no claim bonus on both, the insurer "assumed" that because I've had my car license for 17 years that meant I had 9 years no claims bonus
I ended up contacting the insurance ombudsman about it because they wanted an extra £1500 to insure the van.... the ombudsman decided that I was right and they were wrong and said that with the deposit and hassle the insurance company should refund me £150..... then said it was up to me to take them to chase them up for it |
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BanditsHigh |
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BanditsHigh Worse than a woman
Joined: 21 Mar 2005 Karma :
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grr666 |
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grr666 Super Spammer
Joined: 16 Jun 2014 Karma :
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Posted: 07:47 - 18 Apr 2018 Post subject: |
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I have four lots of NCB building on four separate policies. Roughly 17 years on the car, 7 on the van, 4 on the bike
and 3 on the scoot. ____________________ Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 09:49 - 18 Apr 2018 Post subject: |
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"It doesn't work like that." - Carole Nash, Circa 2012
When I told them the flat-rate classic policy I'd been using didn't accrue a no-claims bonus as such but the company were happy to do me a letter stating I had been insured with them consistantly for the previous 7 years and had not made any claims. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles. |
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LustyLew |
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LustyLew World Chat Champion
Joined: 19 Apr 2004 Karma :
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Posted: 09:52 - 18 Apr 2018 Post subject: |
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Strange, I was having this exact discussion with a colleague yesterday.
I have 17 years NCD on my car policy and 9 years on the bike.
I have claimed on the bike policy due to theft. However, I STILL have to declare it on my car policies. So my premium increases as a result.
It is indeed a con. If you're claim free across all your motor policies, you're claim free. Doesn't matter who, how what or where. ____________________ Like a Yorkie - I'm not for the girls |
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grr666 |
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grr666 Super Spammer
Joined: 16 Jun 2014 Karma :
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Posted: 10:31 - 18 Apr 2018 Post subject: |
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I had a prang in our car last year, but protected NCD meant it didn't affect my renewal on the car much at all.
All the other three went up though because I declared the incident as I am supposed to. Yet I couldn't find anybody
who could answer why it is if I'm a greater insurance risk because I can't reverse properly (I reversed into a car
in a car park) how that then translates to my motorcycle and scooter policies. With the car and van it's understandable
due to the existence of a reverse gear on both vehicles. But the bikes??? Even if I am the worlds worst reverser, how
does that make any difference to my prowess as a 100% non reversing rider??
Conclusion - They make it up as they go along. ____________________ Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off. |
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owl |
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owl World Chat Champion
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BTTD |
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BTTD World Chat Champion
Joined: 22 Nov 2012 Karma :
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Posted: 11:16 - 18 Apr 2018 Post subject: |
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grr666 wrote: | I had a prang in our car last year, but protected NCD meant it didn't affect my renewal on the car much at all.
All the other three went up though because I declared the incident as I am supposed to. Yet I couldn't find anybody
who could answer why it is if I'm a greater insurance risk because I can't reverse properly (I reversed into a car
in a car park) how that then translates to my motorcycle and scooter policies. With the car and van it's understandable
due to the existence of a reverse gear on both vehicles. But the bikes??? Even if I am the worlds worst reverser, how
does that make any difference to my prowess as a 100% non reversing rider??
Conclusion - They make it up as they go along. |
Maybe they saw your thread on riding into a ditch?
You really can't trust them at all. Admiral price matched my renewal to a lower quote, and then when I got the paperwork through they'd increased the voluntary excess, so basically giving me a lower level of cover. Tossers. |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 11:20 - 18 Apr 2018 Post subject: |
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The laugh was bike insurers saying that I needed to declare a crash that Mrs Borg had in her Mummy Bus, because my name was on the car policy, even though she has nothing to do with my bike policies.
Now I just choose to misinterpret these questions, on the basis that the worst case is that I'll have to pay the difference in premium in the event of a claim.
Honesty doesn't pay. ____________________ 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 |
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grr666 |
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grr666 Super Spammer
Joined: 16 Jun 2014 Karma :
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Posted: 11:36 - 18 Apr 2018 Post subject: |
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MCN |
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MCN Super Spammer
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Fizzoid |
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Fizzoid World Chat Champion
Joined: 06 Sep 2016 Karma :
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 13:59 - 18 Apr 2018 Post subject: |
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Fizzoid wrote: | Talking of insurance, where's arry these days? |
Last post was:
arry wrote: | KTM990. It's amazeballs, when it works. |
So, killer corrosion, obviously
I've already called being remeberingmost, and also first ride on his bikes and his missus. ____________________ 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 |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 14:26 - 18 Apr 2018 Post subject: |
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BanditsHigh wrote: | Fin wrote: | Yeah as stated above, your NCD can only be used on one policy, you can't have two lots of NCD running at once (legally anyway).
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You sure about that!
For example, one policy covering cars and another covering bikes ... each policy is separate from the other and will have a NCB which is associated with it ... keep both policies running over the years and you'll have NCB for each.
Claiming on one policy would (potentially) lose the NCB for that policy, however the other policy should be unaffected.
Another 6 months and I would have had 23 years NCB ... back to 22 years NCB as my policy has been cancelled due to a non-fault where the bike has been claimed for!
All the best .. Barry |
I think he meant using the same NCD on more than one vehicle. I've no idea how they'd know, if your proof is only a piece of paper.
grr666 wrote: | Besides, I recovered and repaired the bike at my expense so not much point involving the daylight robbers. |
Now now you're meant to declare all accidents
On the subject of NCD, something I've always wondered, if it expires after two years how do you prove that? Say if I don't ride for 18 months, buy/insure a bike for 3 months then sell it, have I reset the two year clock, or are insurers going to balk at my proof of NCD if I try to use it again 6 months later?
Do you need another proof of NCD letter from the cancelled policy, and would you get one? |
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stephen_o |
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stephen_o Spanner Monkey
Joined: 02 Aug 2011 Karma :
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Old Thread Alert!
The last post was made 6 years, 6 days ago. Instead of replying here, would creating a new thread be more useful? |
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