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NCD is against a policy not a rider

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Re: NCD is against a policy not a rider

Post by Mississippi Bullfrog » Fri Sep 27, 2019 8:03 am

Beans wrote:
Thu Sep 26, 2019 9:08 pm
But is it logical?
If I had 10 years No Claims on a policy, buy a fireblade say and for whatever reason want to insure it with a different insurer, I have to get insurance for zero years No Claims??
If you had, say, a CB500 with full NCD. Sell that and buy a Fireblade you'd get the full NCD applied to the Fireblade - no matter which insurer you went to.

But if you kept the CB500 and bought the Fireblade as a second bike then you have two options:

1. If you want separate policies for both bikes then you can apply the NCD to whichever you choose, but only to one of them. For the other you might be able to negotiate some discount, but you can't claim NCD for both policies.

2. Go for a multibike policy which is one policy therefore the NCD will apply to both bikes.
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Re: NCD is against a policy not a rider

Post by Valko » Tue Oct 01, 2019 10:51 pm

Joeman wrote:
Fri Sep 27, 2019 6:39 am
Beans wrote:
Thu Sep 26, 2019 9:08 pm
But is it logical?
If I had 10 years No Claims on a policy, buy a fireblade say and for whatever reason want to insure it with a different insurer, I have to get insurance for zero years No Claims??
If you negotiate, some insurers will match your existing NCD used on an existing vehicle on a new policy to get your business. I've done this with cars and bikes in the past.
I now have multibike and multicar policies.
Beans wrote:
Thu Sep 26, 2019 12:26 pm
So now I either have to:

cancel the insurance with Hastings, get no refund of premium paid because there are 3 months only still on the policy, wait and get a letter from Hastings confirming that when I cancelled I had 1 full year NCD and then insure both bikes together for more than the price I was quoted for the new bike , providing the NCD letter to my new insurer. (perhaps obviously but still, I have then lost out on a refund from Hastings and paid more than I was expecting for insurance)

Or

Leave the Honda where it is with Hastings and insure the new bike with 0 years NCD -not going to happen as they want a big chunk of money, that one year makes all the difference. I cant add the new bike to the existing policy with Hastings with the Honda, because it is a bit sporty and Hastings wont quote me for the new bike as I am a "new" rider, despite being 50 odd, car driver for 10+ years and RoSpa member and having NCD that Hastings know about!

Just seems bizarre to me, surely I am not the first to assume that the NCD I am building up on a bike policy can be used against another bike, on another policy, without needing to cancel the first policy.
Not exactly you can do what Joe has done, have 1 policy NCD applied to more then one bike. It's called mirrored NCB.

Leave the Honda where it is with Hastings and ask the insurers of the new bike to mirror your Honda NCB to the new bike too. :cheers:

https://www.quoterack.co.uk/No-Claims-Bonus.aspx

"This is not the same as transferring your no claims bonus from one vehicle to another - with a mirrored NCB, you effectively enjoy the discount on both vehicles at the same time"
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Re: NCD is against a policy not a rider

Post by M620 » Wed Oct 02, 2019 8:17 am

I have used “mirrored NCD” with a few car insurers but personally found it more difficult with motorcycle insurance. They seem to want to push you towards a multi bike policy, which for me appear more expensive than separate policies The last multi bike one I had with Ebike was good but they stooped it a few years ago.

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Re: NCD is against a policy not a rider

Post by Bianco2564 » Wed Oct 02, 2019 8:36 am

I have a multi bike policy for 4 bikes , the max no. on one policy, with Carole Nash and a separate one for the scooter.
No big deal to set the multi bike up, usual phone call with my details followed by all the bikes.
£320 fully comp for this one for R1,RGV, GT380 & SS.
Scooter on its own with no NCD was £70

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Re: NCD is against a policy not a rider

Post by Copycat73 » Wed Oct 02, 2019 1:48 pm

Multi bike policies start off cheap .. then after 2 years the price creeps up.. insuring separately accumulates NCD. By each policy consequently the overall bill goes down.. it is best to buy /put on the road a second bigger bike when the policy of the first bike is renewable .. so NCD can easily be switched.. but you know that its expensive otherwise .. well now you do .. :popcorn:

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