Insurance question

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??

[PyroUK]

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

[sniff]

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.

[PyroUK]

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!

[Bibio]

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]

Originally Posted by sniff

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.

[PyroUK]

Originally Posted by Bibio

but i suppose its just another way of insurance companies shafting people.

in essence, yes

[Bibio]

sids got a point. if you claim on one then you loose the other.

[PyroUK]

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

[Bibio]

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.