Insurance NCD question
Discussion
My lad is about to complete a year of 49cc scooting about and will rightly have 12 months NCD. The simple question is can he transfer that to a car? On the Meercats when you put in 1 year NCD it obviously reduces the costs/opens up the car options considerably. The only question I can see that is pertinent is 'Has this NCD been earned on this car [the one I'm getting a quote on] or another vehicle?'. Now to truthfully answer the question it was another vehicle, a 50cc twist and go scooter. Is there anything wrong with claiming that? I don't think so.
For another example my brother-in-law has been riding bikes for a number of years and never taken a car test. Assuming he takes and passes his car test, he would expect to be able to transfer his bike NCD over to a car. There isn't any difference is there?
For another example my brother-in-law has been riding bikes for a number of years and never taken a car test. Assuming he takes and passes his car test, he would expect to be able to transfer his bike NCD over to a car. There isn't any difference is there?
Smurfsarepeopletoo said:
Youd be best asking the individual insurers this question, I would imagine some would transfer, and some wouldnt, you will have to supply proof of NCD, so just make sure your telling them its on a different vehicle.
Is the right answer. Talk to the insurance company and see what they say.Unless it's changed - probably not.
When I had my first car in my own name - after years of motorcycles - I couldn't find an insurer who would allow me to move my NCD from bike to car.
To make it even more unfair - I'd had a motorcycle theft a couple of years ago - and they did count that when giving car quotes!
It was a pretty long time ago though (~20 years) - so it's possible (albeit unlikely) that insurers have got more reasonable since then.
When I had my first car in my own name - after years of motorcycles - I couldn't find an insurer who would allow me to move my NCD from bike to car.
To make it even more unfair - I'd had a motorcycle theft a couple of years ago - and they did count that when giving car quotes!
It was a pretty long time ago though (~20 years) - so it's possible (albeit unlikely) that insurers have got more reasonable since then.
Tyre Smoke said:
Well, yes. I'd make it clear it was on a different vehicle. Anyway, he'd have trouble proving 12 months NCD on a car, when he was only 16!
In my underwriting days, we had just such a case - a very young driver with 4 years NCD. The broker provided proof of NCD from the alleged previous insurer. A quick phone call showed it to be an unused policy number, which led to a very close inspection of the rest of that broker's account, and phone calls to our contacts in other companies, where other discrepancies were discovered. The fraud squad popped round and said broker's cupboards were found full of blank letterheads from various Insurers which he'd had printed. All in the days before proper computerised systems of course.CanAm said:
In my underwriting days, we had just such a case - a very young driver with 4 years NCD. The broker provided proof of NCD from the alleged previous insurer. A quick phone call showed it to be an unused policy number, which led to a very close inspection of the rest of that broker's account, and phone calls to our contacts in other companies, where other discrepancies were discovered. The fraud squad popped round and said broker's cupboards were found full of blank letterheads from various Insurers which he'd had printed. All in the days before proper computerised systems of course.
You do get the likes of Admiral who award a full year's NCD for a 10 month policy. One or two of these and you can reach say 3 years accumulated NCD at the age of 19. Only problematic when you try transferring it.I would be careful and indeed check with them as it is not usual to accept motorcycle NCD - although I do remember some companies in the 90s saying 2 years bike NCD would count as one.
The problem is if you go ahead and they then say not accepted, it will cost £50 or so to cancel the policy.
Better value to spend £10 waiting 5 hours to get through to someone at the company and at least know.
Unless they put you on hold....
The problem is if you go ahead and they then say not accepted, it will cost £50 or so to cancel the policy.
Better value to spend £10 waiting 5 hours to get through to someone at the company and at least know.
Unless they put you on hold....
Jarcy said:
You do get the likes of Admiral who award a full year's NCD for a 10 month policy. One or two of these and you can reach say 3 years accumulated NCD at the age of 19. Only problematic when you try transferring it.
NCD is a strange thing that has different rules made up by individual companies for the giving of it and a different set of different rules made up by individual companies for the accepting of it!dibblecorse said:
Hi
Answer here is no, Bike and Car NCDs operate in their own silos, I am not aware of an insurer or a broker that will / can use one for the other.
But as said above it's completely within the realm of the new insurer what they do, so always ask. If they are keen on the business they could well do an introductory offer to match it as well.Answer here is no, Bike and Car NCDs operate in their own silos, I am not aware of an insurer or a broker that will / can use one for the other.
Bert
I know when I was working in that industry in the late 70s/80s NCD earned on a bike couldn't be used on a car, but we did have a discretionary Introductory NCD - but I don't think "discretion" exists in Motor Insurance any more!
But it wouldn't hurt to mention it as it does suggest some "road sense".
But it wouldn't hurt to mention it as it does suggest some "road sense".
A few years back Tesco insurance allowed me to use several years (6, IIRC) of motorbike NCD against a policy for a car, but they counted it as/gave a maximum of 3 years NCD on the policy (again, IIRC).
Took a bit of reading through the T&Cs for a few companies, but was better than losing the discount completely and I think is now up to 9 years plus.
When daughter finally passes her test, takes out her own insurance and buggers off to live elsewhere, I'll probably be trying to change it back to motorbike NCD
Took a bit of reading through the T&Cs for a few companies, but was better than losing the discount completely and I think is now up to 9 years plus.
When daughter finally passes her test, takes out her own insurance and buggers off to live elsewhere, I'll probably be trying to change it back to motorbike NCD
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