No claims bonus

thedinks · 21 Aug 2017 at 09:12

Hi

I have my Mod 1 this afternoon, Go me.

I also have 12 years no claims bonus that's not currently attached to any car. Is it possible to transfer this so I can use it on a motorbike(when I get one)

Thanks.

MooMoo444 · 21 Aug 2017 at 09:13

NCB is not transferrable between different vehicle types according to googlio.

tom_e · 21 Aug 2017 at 09:14

In general no, although they'll happily take into account any accident you've had on a car when quoting for bike insurance :rolleyes:

Some insurers may offer to take it but you'll have to call them to find out but it's not common.

Yaayuh! · 21 Aug 2017 at 09:41

No, they're not transferable.

Though you say they're not currently attached to a car, how long for? You can lose them after not having car insurance for a period of time.

tom_e · 21 Aug 2017 at 09:59

There is no hard and fast rule it depends on the insurer.

For example I was running some quotes for car insurance and the wording Admiral use is along the lines of "How many years no claims do you hold that have been gained from using a privately owned vehicle".

There is no way they can argue that that wording excludes me from using my bike NCB on a car policy and in good faith I could declare my NCB gained from riding. Which is all that is needed when answering insurance questions, unless it is specifically stated in the question then you're good even if it then turns out buried in 100 pages of fine print they've squeezed in their definition of "Private vehicle" somehow excludes bikes.

Freeman · 21 Aug 2017 at 10:13

My insurer asks about my car no claims but I don't think it goes towards any sort of discount. I haven't actually ever asked though. I am with BikeSure. Worth asking I reckon but as above I doubt you'll be able to transfer NCB between vehicles.

thedinks · 21 Aug 2017 at 12:05

Hmm.. i have spare 12 years no claims, it's just a month old.

Thanks for replies.

IC3 · 21 Aug 2017 at 14:57

The insurer I was with, said they can transfer NCB from my car to the bike. But not the other way round, did something change? hmm?

ttaskmaster · 21 Aug 2017 at 15:25

MooMoo444 said:
NCB is not transferrable between different vehicle types according to googlio.

My insurer says they could, and would have if I wasn't already using it for the bike.
They also offered to split it across vehicles, if I were to insure both through them.

MooMoo444 · 21 Aug 2017 at 15:37

ttaskmaster said:
My insurer says they could, and would have if I wasn't already using it for the bike.
They also offered to split it across vehicles, if I were to insure both through them.

Yea someone pointed out that some insurers offer this. Seems very rare though.

ttaskmaster · 21 Aug 2017 at 16:08

MooMoo444 said:
Yea someone pointed out that some insurers offer this. Seems very rare though.

Every bike insurance company always offered to split it between my bike and car... I just never used to have a car.

thedinks · 21 Aug 2017 at 17:44

I passed my Mod 1!

IC3 · 21 Aug 2017 at 18:29

Congrats

ttaskmaster · 23 Aug 2017 at 12:06

arfoll said:
Once you split it how would you ever unsplit it? NCB is such a sham in the UK :/

Change policy, I imagine. Chances are you wouldn't unsplit it unless you changed vehicle and needed all the NCB for the one and/or couldn't get a multi-vehicle policy to cover everything.