View Full Version : Insurance question
Fordward
08-06-13, 03:54 PM
I have two bikes. Although they have in the past been insured on 'multi-bike', all this has actually meant is I've had two policies with two policy numbers, with the same insurer.
One bike has 7 years no claims accrued on two different bikes since 2006
The other bike I've had since 2009
My insurer has told me I can't apply no claims to two bikes, so I now have 7 years on one policy and zero on the other.
As I've insured two bikes on two policies and never made a claim, should I be able to have 7 years on one bike and 4 years on the other??
if they had separate policy numbers and separate certificates then you can use the NCB for each bike individually. if they were on one policy with 1 certificate you may have difficulty in claiming the NCB for both
Surely the NCB is on the owner not the bikes. But if you have two separate policies you have two lots of 7 years NCB.
you would think that but nope. its the policy/bike. same reason you can't use bike NCB on a car and vice versa.
unless you have either a, very good insurer or b, very stupid insurer. sadly most are in c, alright. so doesnt work.
also the same reason why a named driver on your policy will affect your NCB.
if you change bike, i would recommend doing it mid term a couple months before you renew so that you get a new certificate with the correct bike on it showing the NCB. otherwise if you change bikes at renewal, they could argue that the NCB isnt valid. its a technicality as it still shows your details but its a pain to avoid!
i could never understand NCB. you cant ride/drive two vehicles at once so what's the problem. after all your NCB gets transferred to a new vehicle when you get one. it should be changed to 'Drivers Claims History' but i suppose its just another way of insurance companies shafting people.
Sid Squid
08-06-13, 04:35 PM
Surely the NCB is on the owner not the bikes. But if you have two separate policies you have two lots of 7 years NCB.
Used to be, yes. Your period of not claiming is a material fact, such as if you had claimed it would be a material fact, your driving/riding history is not the discount, the insurer calculates your level of risk to be based upon your claim, (or not), history.
As such saying it can only apply to one policy is a disgusting and dishonourable con trick, but it's a nice little earner scam a number of insurers have run in recent years.
Make a claim and tell them you lost the NCD on your other policy - that would be the same, right? Hmmmm... Insurance a necessarily legal scam.
but i suppose its just another way of insurance companies shafting people.
in essence, yes
sids got a point. if you claim on one then you loose the other.
yes, there is no way round it. especially thanks to the introduction of a new act, insurers have in the last year or so changed the wording of their questions too.
i remember when i started driving it was have you had a claim on this vehicle or your last policy. now its more like, have you, anyone you know or they know moved, sneezed, farted, affected your life in any way shape or form.
ok slight exageration but they ask about others and not just yourself now
another bug bear of mine is trying to get your NCB history out of them, it's a nightmare. i have 16 years on the car but i wanted proof and they point blank refused to give me a letter saying i had, instead they said that the maximum is 5 years for any insurer. i said no not all so i want it or its ombudsman time... yes i got it but with a fight.
Ombudsman is a very effective tool for getting what you want, especially if the cost to them is a lot less than £500. Win or Lose (on the insurers part) its a £500 fee to the ombudsman.
Also depending on what you want out of them, you can send them a Data Subject Access Request. It'll cost no more than £10 (if they charge more than that tell them you will speak to the ICO and FCA(half the new name for FSA)) and ask them to confirm everything they hold on you. You can also ask for specific information.
If they fail to provide the information to you in a timely manner (currently i believe they have to respond within 40 days) or not provide you with everything you asked for or they hold on you, the can face a HUGE fine.
Got a friend of my sisters to do that after the people that do the CRB certificates wouldn't send her a replacement, after much complaining as they said they can't issue replacements they finally told her that it would cost £50. Told her to do a DSAR and pay the £10, got the certificate.
As I've insured two bikes on two policies and never made a claim, should I be able to have 7 years on one bike and 4 years on the other??
Yes. You can't use the same bonus on more than one vehicle but you can have multiple NCD's if you have multiple vehicles.
so why do you loose NCB on all vehicles if you claim on only one vehicle?
Because they ask if you have incurred any losses or accidents regardless of the vehicle and rate you accordingly.
Shafting plain and simple
so why do you loose NCB on all vehicles if you claim on only one vehicle?
You don't. A claim might affect premium on other vehicles but they won't lose NCD.
Fordward
09-06-13, 08:55 AM
Hmm, wee stroppy phone call to my insurance company coming up. Thanks for the replies
You don't. A claim might affect premium on other vehicles but they won't lose NCD.
That would depend very much on the questions each individual insurer asks you.
You could try and say the NCB for this vehicle was not reduced to get round it, but they may well end up just shafting you.
Personally i am just hoping i get to enough years that i can protect my NCB.
It sounds like it depends on how the insurer works. I'm with Aviva (Norwich Union as was) with a multi-bike policy. I have 4 bikes on it, each has a separate certificate but they are all on one policy number and they all hold (and I presume lose) the same NCD. I just added the 4th bike a few weeks ago so confirm this is for definite how it works with them. Effectively I have the NCD on that policy regardless of whether I have 1 or 4 (max) bikes on it.
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