Do any insurers allow car NCD?
Discussion
At the age of 34, never been involved in an accident with over 12 years no claims I’m getting silly prices for a new bike policy! It seems they want to know if you’ve had any claims or speeding points (I have neither) then totally refuse to take car ncd into account!
Do any bike insurance companies allow the carry over of car ncd? Best price I got was £700 per year on a SDP with the bike garaged (worst was £6900!). This compared to £350 I was paying for a business use policy on a 360bhp modified Golf GTI!
Do any bike insurance companies allow the carry over of car ncd? Best price I got was £700 per year on a SDP with the bike garaged (worst was £6900!). This compared to £350 I was paying for a business use policy on a 360bhp modified Golf GTI!
keirik said:
Not sure why they would?
Being able to drive a car tells the insurers nothing about your ability on a bike (demonstrated by a friend if mine who had been driving for 20 years but kept falling off his bike as he had no sense of balance)
So why then do they ask if you’ve had any car claims or have any speeding points? It’s really putting me off buying a bike now as I can’t justify £700 per year for 3000 summer miles from an insurer I’ve never heard of. Being able to drive a car tells the insurers nothing about your ability on a bike (demonstrated by a friend if mine who had been driving for 20 years but kept falling off his bike as he had no sense of balance)
I probably would say this but I am a good driver, I cover 30,000 miles per year, yet never been in an accident, never been caught speeding and hopefully never caused an accident. However that counts for nothing when it comes to bike insurance.
Looks like I’ve just got to bite the bullet, but my initial questions was does anybody know of an insurance company who could help get my premium down by considering how good I’ve been at driving.
Looks like I’ve just got to bite the bullet, but my initial questions was does anybody know of an insurance company who could help get my premium down by considering how good I’ve been at driving.
croyde said:
In 38 years of riding bikes I have never found an insurance company that will take into account my centuries of car NCD.
But of course they will penalise me for any claims or convictions gained in my car and vica versa for my car insurance.
Yeah this. I had a bike crash and they penalised my car insurance.But of course they will penalise me for any claims or convictions gained in my car and vica versa for my car insurance.
Robbing
s.Wes
I assume your quoting for fully comp?
It’s solely down to the bike I’m afraid, I’m 34 like you, got my licence in March this year but instead of getting a “newish” bike I opted for an older hornet 600. I only insured it TPFT as the bikes only worth about £1500, and I’m only paying £127 per year.
Once I’ve got my 1 year ncb and experience, that’s when I’ll look at upgrading the bike.
It’s solely down to the bike I’m afraid, I’m 34 like you, got my licence in March this year but instead of getting a “newish” bike I opted for an older hornet 600. I only insured it TPFT as the bikes only worth about £1500, and I’m only paying £127 per year.
Once I’ve got my 1 year ncb and experience, that’s when I’ll look at upgrading the bike.
Complete double standards and just another way for them to rip us off. IMO they should consider the amount of NCB you've accumulated from car insurance. Yes it doesn't say how good of a rider you are but it does say that are an experienced road user and are more aware of any potential issues that may occur. More than a 16/17yo who has no idea of basic road rules.
I passed late last year and now ride an Aprillia 750 v twin. Insurance is £237 tpft, and my previous hornet 600 was a lot less. I have also had quotes for bikes such as gxsr1000's and even they came out at around £400.
It must be location that's buggering you surely ? unless your using it for commuting ?
It must be location that's buggering you surely ? unless your using it for commuting ?
A fair bit depends on area and bike type: I had a good example of this when I was trying to decide which cruiser to go with. Living in Buckinghamshire I was quoted in excess of £2000 for a Triumph Bonneville America a few years back, but £180 for a Harley Sportster of the same year (guess which I went with!). About 6 months later a chap I know in Surrey quoted in excess of £3000 for a Harley Sportster, but a Bonneville America was £250 and was told the difference was due to what is stolen or wrecked most often in the general area. Kind of makes sense as he lives fairly close to Guildford Harley, whilst Hertfordshire Triumph is only a few miles from me.
As for the main question - I've not seen any companies accept car NCD for a bike or vice-versa, although a few years back I recall someone offering 1 year NCD on bikes for something like every 2 or 3 gained in a car but who it was, I cannot remember.
Good luck and hope you get something sorted!
As for the main question - I've not seen any companies accept car NCD for a bike or vice-versa, although a few years back I recall someone offering 1 year NCD on bikes for something like every 2 or 3 gained in a car but who it was, I cannot remember.
Good luck and hope you get something sorted!
Tbh I might ring a few companies as 1 years NCD does halve the policy.
I live in Hinckley in Leicestershire, not exactly the bronx, I have a garage where the bike will be kept, I will not need cover for commuting, I will only ride about 4000 miles tops. I’ve also got use of a company car for work and any other travel.
I could get a cheaper bike for a year, which will probably help me get experience. I have done motocross and trials in the past so I’m not a total noob. I have been dreaming about a Daytona tho! I wish insurance companies had better systems to calculate risks.
I live in Hinckley in Leicestershire, not exactly the bronx, I have a garage where the bike will be kept, I will not need cover for commuting, I will only ride about 4000 miles tops. I’ve also got use of a company car for work and any other travel.
I could get a cheaper bike for a year, which will probably help me get experience. I have done motocross and trials in the past so I’m not a total noob. I have been dreaming about a Daytona tho! I wish insurance companies had better systems to calculate risks.
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