Am I doing wrong by not declaring NCB?

YC, try telling them you are self employed and try a commercial policy, they are generally cheaper.

Multi bike and car policies arent all that tbh, they generally are more expensive than 2 individual policies.
My sprint and drz multi bike policy is more money than if i insured them seperately but i wanted them together.

Insurance companies have all avenues covered, they are like loan sharks imo, exploiting the situation.

[yorkie_chris]

That is self employed and going on usual comparison suspects for van insurance

Yeah but are they commercial policies?
Just check they are cos sometimes they are cheaper, for me they are anyway.

[yorkie_chris]

Not sure, they ask if it's to be used for carrying own goods/hire or reward etc so I guess so.

Originally Posted by specialone

Multi bike and car policies arent all that tbh, they generally are more expensive than 2 individual policies.

Maybe the letters in my name put me in a low risk category or something. I always seem to get a better deal than most when it comes to insurance. Of course I wouldn't be using a multi-car and a multi-bike policy if it didn't work out cheaper for me, I'm not that daft that I'd give the insurance companies extra money, or that lazy that I can't be bother to get individual quotes for comparison. In fact I'm tight as a badger rrrsss and usually spend days on end finding the best quote before I sign up.

!?!?! huh you are getting HIGHER quotes for more NCB !!?!? think the brouser may be wrong !!!! !!!

bottom line is never li to the insurer.... they will always find out !! i know coz i work for all of them lol