View Full Version : Insurance has bent me over and.....
jonny.boyd
05-03-13, 12:02 PM
......well you get the picture!
So my last motorbike insurance ended 2 years ago yesterday - didn't realise this until today!
I try franticly calling round insurance companies to see if they can still accept it and everyone is saying NO (because of 24hours!), except for Aviva who cost pretty double what everyone else charges!
So I'm back to 0 NCB again!
What a PITA!
There is nothing greater than my hate for the insurance system in this country!
SvNewbie
05-03-13, 12:11 PM
That sucks, insurance truly is a rip-off in this country. I wonder whether the government should include statuary minimum insurance in the road-tax, like in Australia. Might give the insurance companies something to think about.
Anyway, without the numbers it is hard to say, but if Aviva will accept your (very slightly) expired NCB, is it possible that in the long run you'd be better being slightly screwed over by them in order to have 3 years NCB at the end of it? Don't know if it works like that though, they might only give you a certificate for 1 year even though they have accepted your expired no claims for billing purposes.
jonny.boyd
05-03-13, 12:15 PM
Aviva want about £400 more to accept my 2yrs NCB, than other companies want for 0yrs NCB!
It is a massive annoyance but I guess it's one of things where you live and learn.
I'm actually currently working in Australia (heading home soon) and everything is so much simpler over here! Life is just taken down a few notches, and is so much better!
SvNewbie
05-03-13, 12:25 PM
Yeah, that wouldn't work out then. Anything to screw you over!
Wideboy
05-03-13, 01:20 PM
I thought ncb stayed valid for certain amount of time?
I thought ncb stayed valid for certain amount of time?
Yep, 2 years.
So my last motorbike insurance ended 2 years ago yesterday - didn't realise this until today!
So I'm back to 0 NCB again!
markc123
05-03-13, 04:59 PM
Yep, I lost the spare year of NCB that I built up on the 125 in pretty much the same way, sucks doesn't it.
Fallout
05-03-13, 05:10 PM
Just had to insure the Tiger with 0 NCB because of the lovely system where NCB is per vehicle. That's £200-300 extra down the drain. Bloomin' stupid!
They have you by the danglies because you have to have it! Still with Bennetts as most won't cover with the mods and because I keep it away from home.
But Si, Don't forget all your riding skill is on your first bike, You have a new bike so you are now riding that asif you have just passed your test! Apparently.......
dont suppose you tried to add it on the current policy? some extend to a multi bike policy.. I did it when I went n + 1 bikes
I had this with my car insurance i had full no claims then bought a 1965 landy insured it as a classic (so no claims wasn't used as you don't earn any) then had a few more then about 8 years later bought a discovery and tried to use my no claims and was told it had expired.
I couldn't believe it i had to start again and im still only up to three years at the mo there needs to be a massive shake up in the way they operate.
Littlepeahead
06-03-13, 08:34 AM
Joint bike policy seemed to be the way to get it to apply to both bikes. They also took into account having a driving licence for 22 years.
Fallout
06-03-13, 08:51 AM
But Si, Don't forget all your riding skill is on your first bike, You have a new bike so you are now riding that asif you have just passed your test! Apparently.......
They do ask questions like ....
1. How long have you had your license for?
2. How long have you been continually insured on a bike?
3. Do you own another motorcycle?
etc. etc.
From that I assume they can work out people have experience and are insuring another bike.
Personally I think the whole NCB thing is a complete con and should be done away with by law. It's useless. You have to provide accident/claim history anyway, and they can ask you the "how long have you been continually insured?" question, so they have a full picture of how much of a claim risk you are. NCB bonus is just a way to penalise people who don't have it for many reasons.
Also protected no claims is yet another huge con invented by insurers. Again makes zero sense and means nothing about how much of a claim risk you are. It's just a mechanism to do you out of more cash.
Seriously, can anyone actually justify the existence of NCB?
Fallout, Wouldn't you be better off transferring the NCB to the Tiger and returning the Shed to 0NCB? Or given the shed's not worth a great deal you may get a better price insuring the tiger with your NCB then adding the shed as an extra bike. I get my scooter for £26 per year fully comp that way. Assumption is you can only damage one at a time so they rate it by the most expensive/highest risk bike and the other one is pretty much an admin charge.
Not sure if access to IAM insurance kicks in for you yet but if it does try them. I can PM you details if you want to give them a punt. Usually good deals for business use, multi-bike and euro travel all starting from a good basic price too.
You have to be a full member and over 21 for Iam insurance :(
Fallout
06-03-13, 09:11 AM
Too late mate. It's all done now. I have forfeited about 3 years worth of NCB over the years because of switching policies half way through and moving NCB around. Pretty annoying. The Shed is about 8 months through a year of insurance, and if I move it across I sacrifice yet another year. So the plan is to wait until the Shed's renewal, reinsure it with 0 NCB (because it's still quite cheap), and then stick it onto my Tiger policy.
Lots of people have been saying multibike policies are rubbish and not much cheaper, so I've decided to avoid them. At least this way I will start racking up two lots of NCB.
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