When is no claims bonus not no claims bonus?

[mister c]

Just tried Bennetts. Don't really like them as they messed me about over my write off 3 years ago, but it has thrown up a quote of £330 for both.
I will see what CN come back to me with 1st.

The thing that really naffs me off is that you can't insure 2 bikes with 2 companies & have NCB on both machines, which was the point of the thread, but with a "multi bike" policy it is perfectly ok.

Possibly I have misunderstood but I thought you only had one policy with NCB. As far as I am aware you can only use any NCB on one policy,once you have used it for that policy you can not apply for another policy and use it again.

give swinton a call (not online) as you know ive just been thru it all with my 2 bike, 300 quid with 50 quid cash back after 90 days,all the bells and whisles as well (3 months free euro breakdown) ask for keith ,he's who sorted it out for me
ive had to claim thru swinton before a few years ago , no messing about top service

they have on the website its 30 quid cash back but they can up it to 50, (i happen to know the sales are short of there targets this month )

didnt ask me for proof of my no claims either (even thou i have it sitting here)

[Messie]

Hey, you've got a money off (for good behaviour) voucher. You can only use it once. Might seem unfair but that's the way the cliff edge in Norfolk crumbles

Can you not use NCB earned on one bike on another? Let's say for example Mr C has had the SV650 for 8 years, the Thou for 4 and the Triumph for 2. To insure each without using NCB they'd be in that order for price, 650 being cheapest and the Triumph the most expensive.

Use 2 years NCB earned on the Triumph to insure the SV650 TPF&T.
The 4 years NCB earned on the Thou to insure the Thou as whatever.
The 5+ NCB earned on the 650 on the Triumph and Fully Comprehensive.

I don't think CN asked whether I have access to other vehicles as they do when you insure a car, but maybe that's as technically I renewed. AFAIK, the renewal letter is usually good enough for proof of NCB, so long as the gap is less than 2 years.

[mikerj]

Originally Posted by mister c

The thing that really naffs me off is that you can't insure 2 bikes with 2 companies & have NCB on both machines, which was the point of the thread, but with a "multi bike" policy it is perfectly ok.

You can have NCB on each machine, but each policy must have it's own NCB. You can't (and never have been able to) share your NCB from one active policy to other separate policies.

[mister c]

Originally Posted by mikerj

You can have NCB on each machine, but each policy must have it's own NCB. You can't (and never have been able to) share your NCB from one active policy to other separate policies.

I know, thats the point, why cant you? Because the insurance company says that you cant.

Why is it that you can with a multi bike policy? What is the difference? In my eyes, nothing. You have 2 bikes, both insured, both with the NCB that you have stated to the insurance company.

[mikerj]

Originally Posted by mister c

Why is it that you can with a multi bike policy? What is the difference? In my eyes, nothing. You have 2 bikes, both insured, both with the NCB that you have stated to the insurance company.

It's very simple: One insurance policy = one lot of NCB.

A multi-bike policy is a single insurance policy that covers multiple bikes, therefore you only need one NCB. An accident resulting in a claim on any one of these bikes will wipe out the NCB for all of them.

If you have multiple bikes each insured by their own policy you need one NCB for each policy. An accident on one bike will not affect the NCB on the other policies (though having a claim on your history may well increase the premiums of the others).

Originally Posted by boot

Can you not use NCB earned on one bike on another? Let's say for example Mr C has had the SV650 for 8 years, the Thou for 4 and the Triumph for 2. To insure each without using NCB they'd be in that order for price, 650 being cheapest and the Triumph the most expensive.

Use 2 years NCB earned on the Triumph to insure the SV650 TPF&T.
The 4 years NCB earned on the Thou to insure the Thou as whatever.
The 5+ NCB earned on the 650 on the Triumph and Fully Comprehensive.

yes you can do that