Maintaining NCBs

jaguar65uk · Scooby Slapper Joined: 21 Mar 2005 Karma :

I have been insured for 2 consecutive years on a bike that is now sold. As I understand it, this means I have 2 years NCBs on my bike licence (as I made no claims).
If I buy a new bike and transfer the policy (it runs out on 26 April) the NCBs will continue to mount up.
Will I be able to keep my 2 years if I am not insured on any bike?
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Past: Aprilia SR 50, Aprilia RS 125
Current: Aprilia RS 125, Yamaha Teos 125

Rookie · World Chat Champion Joined: 09 Feb 2005 Karma :

The 2 years are valid for 4 years. So if you ended up with 4 years NCB, you would have maximum no claims. But if you then didn't ride for a year, you'd only have 3 years NCB. As it stands though, you can not ride for 2 years, and still have your 2 years NCB.

Hope that makes sense. Laughing

jaguar65uk · Scooby Slapper Joined: 21 Mar 2005 Karma :

Got it, does no claims protection extend the default 4 year period?
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Past: Aprilia SR 50, Aprilia RS 125
Current: Aprilia RS 125, Yamaha Teos 125

carvell · Scuttler Joined: 05 Sep 2003 Karma :

No, it just means that if you make a claim you don't use your no claims.
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Yamaha TDM 850

Rookie · World Chat Champion Joined: 09 Feb 2005 Karma :

bennyboy · Scooby Slapper Joined: 15 Aug 2005 Karma :

syl · World Chat Champion Joined: 05 Dec 2005 Karma :

Any NCB you managed to get is normally valid for a couple of years without a policy. If you're lucky, you might find a company that is more lenient and would accept a break from cars/bikes even longer - but don't count on it. If you go without a policy for more than 2 years, expect to start your NCB friom scratch.
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Current bike: Kawasaki Z750S

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Different companies seem to have different rules.

Generally it's around 2 years. If you moan, they may make an exception.

If you're expecting it to be longer than that, could be worth insuring a low group bike for a year to keep it going - infact, sometimes can be worth doing this anyway Smile

.

purplepower · Renault 5 Driver Joined: 20 Sep 2005 Karma :

bennyboy · Scooby Slapper Joined: 15 Aug 2005 Karma :

With regards to legal protection, im not sure. This generally helps out with compensation for injurys etc. Claiming for whiplash and stuff.

If he was found to be at NO fault in the accidnet, or if you were partially to blame, then you would loose 2 years NCB. Bear in mind though that 9 years isnt technically max, 5 years is the max so you would go down from 5 to 3. This would mean paying about 20% more at renewal, plus any extra premium added for the fact that you were in an accident through fault of your own.

I think that explains it, but ask if you need any more help

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

fuzz · World Chat Champion Joined: 24 Mar 2004 Karma :

Sorry to hijack, but I have a NCB question.

I have two bikes on different policies - one has 2 years NCB, the other has 1. I want to put them both onto the same policy. Do I have 3 years NCB in total to use? What happens if I don't claim in the next year, will I have 4 years NCB? And finally, if I sell one bike, what happens to my NCB?
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https://www.bikepics.com/members/fuzzbcf/
Bikes: '99 NSR125R, '00 SV650S, K1 GSX-R600, '97 CB500, K3 SV1000S, '16 VFR800

Phoenix · Twisted Firestarter Joined: 01 Aug 2002 Karma :

That won't work, I had 3years on my main bike policy while I also had an additional seperate 1 year on another bike i was insuring seperately, only 2 companies were prepared to add them together to give me 4yrs NCB and their quotes were ridiculous anyway. But as said in another post, it won't work because you could buy 5 C90s, insure them all seperately and have 5yrs NCB after 1 year.

As for the 9yrs NCB going down to 3yrs NCB in event of an accident. That's not exactly true, if she hasn't protected her no claims she'll drop back to zero. If she has protected them it depends entirely on the underwriter, she may drop by 1 or 2years to 3 or not at all. My NCB is protected, but in the event of a fault accident/theft I still maintain my full NCB.

purplepower · Renault 5 Driver Joined: 20 Sep 2005 Karma :

Thanks Benny. I am not actually claiming for any personal injury. Will see what they come back with from the other guys insurance.
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My liver is evil and must be punished!

Mal · Brolly Dolly Joined: 31 Aug 2004 Karma :

As stated above by bennyboy your NCB is valid for 2 years after your policy finishes, if you don't use it on a policy in this time then you are likely to have to start from scratch.

There also seems to be some confusion over NCB when you claim. If you make a claim in a policy year and you don't have Protected (or guaranteed in the case of some insurers) and you were partially at fault or the claim is still being dealt with at renewal you will lose 2 years of the NCB you had at the start of the policy term (the amount of people I had to explain that you don't get any NCB for the year if you claim was beyond belief). If the claim is still being dealt with and is settled after your renewal with no fault to you then the company will reinstate any deducted NCB back to your renewal date and adjust your premium accordingly. If you have changed companies they will issue with a new proof of NCB letter.

Protected NCB allows you to make a number of claims in a certain time period without affecting your NCB (either 1 claim per year or 2 claims in 3 years are typical). Guaranteed NCB allows you to make any number of claims without affecting your NCB. With both of these the NCB will not be affected but this doesn't mean that your premium won't change.

Hope this helps

Mal