Insurance and No Claims Discount (NCD) - A2 to A licensequer

EliteAlex · L Plate Warrior Joined: 05 Jul 2018 Karma :

Hi all,

I did 2 years of motorcycling on an A2 license. During this time i built up 2 years of no claims discount. Immediately after the 2 years A2, i did the full unrestricted A license which i have now held for 1 year. I’ve had my renewal quote back from the insurance company and they’ve included 3 years no claims bonus, despite telling me last year that i needed to start the year on 0 ncd (which i did) since the A license was a different license? Is this right, are you allowed to count those A2 years, which they have done for some reason?

I don’t know whether to say anything as my renewal has gone down from about £790 last year to £450 this year, a reduction of 43%. This is on a GSXR-750, for info!

Any advice would be greatly appreciated! I think those years should be able to be carried over but don’t want to wrongfully claim them in case of an accident!

Thanks!
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Rides a GSXR-750 K8 in blue

Evil Hans · World Chat Champion Joined: 08 Nov 2015 Karma :

Insurance companies can and do make up their own rules. But I've never come across that one before.

I carried over 2 years of no claims on a 125 (on L plates) to my 600 when I passed my test, they were fine with that.
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Triumph Sprint ST 1050. And it's Red.

DRZ4Hunned · World Chat Champion Joined: 15 Apr 2014 Karma :

It's years continuously insured as a rider so you can carry it on. I've got 5 years from CBT > A2 > A.
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DRZ400-SM
FZS600

EliteAlex · L Plate Warrior Joined: 05 Jul 2018 Karma :

Thank you! Sounds good to me! I’ll leave it then!
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Rides a GSXR-750 K8 in blue

ThunderGuts · World Chat Champion Joined: 13 Nov 2018 Karma :

No claims discount is just that; it has nothing to do with your licence type, just the vehicle type (e.g. cars and motorcycles are separate). I don't see why you couldn't build up NCD on a 50cc scooter with just CBT either to be honest.

The only exception to the rule is if you're a named driver/rider on a policy; you can only accrue NCD on your own policy.
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TG.

colink98 · Could Be A Chat Bot Joined: 27 Jun 2016 Karma :

Same as everyone else.
Built up NCD on Ped and kept it when i moved to big bike.
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PCX125 (stolen) - CBF600 (current)
~~Ride it like you stole it.~~
ride sensible and not like an idiot and you wont get 6 points in one week.