A question re: NCB
 

I bought my SV last year ( April/ May 2005 ). I insured it with Bennetts for the year having no NCB as I am starting out. When the renewal came I swapped to Carol Nash thus telling them I had a years NCB.

Recently I bought a scooter ( 100cc ) to get to work on. I insured it through Devitt, telling them I had 1 years NCB. They have now told me my NCB on the SV or any other bike doesn't count and that I have to now pay extra as in their eyes I'm starting out again.

Why? Surely all their interested in is that I haven't made any claim in the last year, which I haven't.
What difference does this make????

Anyone know of something similar????????? Can they do this?

That's just daft, start ringing round for other quotes.

you can only use your no claims on 1 policy!

what you can do i have a multi bike policy. Its very cheap

its like you car, you need seperate ncb for that aswell.

I understand you need separate NCB for bikes to Cars, however you don't need separate NCB for every vehicle you drive surely???

As I say all they want is that I haven't made a claim, which I haven't. Sounds to me if its all a bit wiffy and is another way of getting some more money out of me.

Yes, you have to have a separate ncb for each policy. It is the same for cars/bikes etc.


Therefore look at multibike policies. They at least recognise you can only ride one bike at a time, so they charge for your most powerful bike and then it is a small admin fee for each extra bike

Cheers Tim :wink:

there are some company that will effectivly mirror your no claims, cia insurance for bikes found me a company who would, if i had 2 svs, on two policies they would let me use the ncb on both, however one crash on either and it would be gone

Can someone explain this.

You can only have NCB on one policy, as Dan has just found out.

But if you have a claim on one policy it affects all of them and not just the policy affected.

Go figure. Insurance is simply a con IMO.

:winner:

:evil:

Ed


As you well know it is all about risk. I know it is unfair as when I had my company car broken into, it added £15 to my SV policy. Although as it was a different policy it did not affect the ncb entitlement.


A prior claim adds to the policy loading. It is simply down to their assessment of risk. The only way to change things is to vote with your feet and if the underwriters found they could not sell their policies because of the unfair terms and conditions then they would be forced to change.

Now Ed you are the forum legal eagle. As all insurance companies seem to operate this sort of arrangement, are they then using some form of cartel to mutually enforce an unfair contract condition on their policy holders?.

Risk, my ****. It's all about greed.

If you earn some NCB on one policy why can't it apply to another. Some might say it's cos a different skill set is required on a car than on a bike. OK. Let's buy that. So when you have a claim on your car why should it affect your bike policy? Different skill set suffenly vanishes, no? So we'll try it's cos you're a worse risk. If that's the case then surely for NCB the corollary of being a better risk must apply.

Only, it doesn't.

I always thought you couldn't have your cake and eat it, but this rule does not apply to insurance companies.

Maybe it is an unfair contract term, I will think on that one.

Strange how not everything is linked with insurance isn't it? Say my bike is stolen from my garage. That shows to me I live in a potentially high risk area. Consequently I have to declare it for my car insurance to go up, but it wouldn't affect my house insurance.

To me they shouldn't be linked at all, like Ed says, it's a different skill set. Sadly, I don't make the insurance rules...