When is no claims bonus not no claims bonus?

Originally Posted by Dicky Ticker

Or surrender the lot and have a multi bike policy using the NCB providing you specify you are the only rider.After all you can only ride one bike at a time and they are all insured as far as SORN is concerned.
I am aware that in some cases it is cheaper to have multiple policies but surely multi-bike must be your simplest answer

I have multi-car, but actually all it is, is two separate policies with the same insurer, with an equivalent discount to my NCB applied to the policy on my wife's car. Maybe it's done that way because my wife is named as the main driver on the second policy, and maybe they couldn't do that on a single policy using my NCB.

The bikes are true multi-bike, one policy number, two registration numbers.

There in is the answer--
The equivalent discount to your NCB must surely apply to all three bikes if you only have one policy number.

[mister c]

Ah well, seems that I will have to go back to the drawing board, sell the other bikes & keep 1.
Was thinking of selling the Triumph anyway, but that has just sorted it for me.

The 650 is being SORNed at the end of the month, but I am going to be penalised for insuring both remaining vehicles.
It just rags me up thats all.

Mister C....one word of advice - do NOT let the insurance company cancel the insurance on the 24th as it increases your premium with other companies if an insurance company has cancelled it. Cancel it yourself!

[mister c]

Originally Posted by Dicky Ticker

There in is the answer--
The equivalent discount to your NCB must surely apply to all three bikes if you only have one policy number.

Its obviously done by the insurance companies to get more money out of you. Just had a multibike quote from Carol Nash £399.91 for the Triumph & SV1000. That equates to nearly £50 more than having 2 separate insurances.

Is that at the prices you have BEEN paying or two policies both with NCB? What is the result when you apply for one with NCB and one without?

[mister c]

Thats both policies with NCB. Just had a call from Devitt saying that it is ok to have the SVs both insured now, but I have my pig headed head on & might hunt for another company when I get home.
Carol Nash has also been on the phone offering me a much better price than my internet quote as Boot stated earlier, so will see what the offer is.

If multi-bike quotes are more expensive than two separate quotes, one with NCB and one without, then they are just not competitive quotes. The general rule is multi-bike is cheaper, if not why would anyone buy one and therefore why would they exist?

Originally Posted by mister c

Thats both policies with NCB.

With the same insurer or two different insurers?

If two different you are not comparing apples with apples on that multi-bike price, and you need to get the bike with the lower insurance group re-quoted with zero NCB.

If the same insurer, did they know it was for two bikes to be insured at the same time? Did they say they were happy to apply the discount to both policies? If not, again you will need to get the lower risk bike re-quoted.

Use something like confused.com. Once all your details are saved you can run as many different scenarios as you want and see what it does to the quotes. With NCB, without NCB. NCB on bike B instead of bike A, etc, etc.