NCB gone

[jmn]

My previously held full NCB expired when I stopped riding bikes during Covid.

Are there any insurers who take a sympathetic view on this? I have full NCB on my car insurance.

[Birky_41]

Try Bemoto

They have been good with me and also cloned for multi bikes I have

[OutInTheShed]

Try some different comparison sites.
I've found quotes don't vary by ever so much with 11 years NCB or none.
Being old, having had a full licence for ages helps.
Not having any incidents or convictions helps. A lot.

[stang65]

I lost my car NCB after 2.5 years with a company car. I went to a broker who did some shopping around and found an insurer that would honour NCB for 3 years so they came back into play. Wasn't super cheap with that insurer but obviously from the second year I could shop around as I had their proof of full NCB.

So I guess I'm saying go and talk to a local small insurance broker if there is one near you and get them to do the leg work. I've found that comparison sites and internet insurers are great when you fit their standard profiles but too often are inflexible, and that's where you get people involved.

[jmn]

Thanks all. I'm thinking of buying a s/h Rocket 3. (2022 model).
I'm not a young guy and have no accident claims/convictions.
On the MCN comparison site best fully comp quote was £454 with the RAC.
On the Bike Insurer comparison site this came down to £404 with Bennetts.
I then remembered that I had been invited to input my driving licence number on the Bike Insurer site but hadn't. I went back and put it in. The quote, still with Bennetts, came down to £248!
No idea why there is such a difference.

[ChrisHampshire]

OutInTheShed said:

Try some different comparison sites.
I've found quotes don't vary by ever so much with 11 years NCB or none.
Being old, having had a full licence for ages helps.
Not having any incidents or convictions helps. A lot.

Indeed....

Old (licence since 1985) - check
No accidents - check
No convictions - check
Full NCB - check
Live in a retirement village (not really but it sometimes feels like it) - check

Consequently, my renewal last year on the Diavel was a grand total of £65 (after Quidco cashback - was only £88 without it).

[mikey_b]

NCB is a percentage discount. If you're a good risk then the premium isn't high to start with, so not having NCB doesn't make a vast difference to the price you actually end up paying.

Base premium = £2000, NCB of 50% means you save a grand. Well worth spending time to find a way of getting that discount.
Base premium = £200, NCB of 50% means you save a hundred quid. Nice - but not life changing.

[littleredrooster]

It made the thick-end of eff-all difference to me.

I sold the bike when we were about to move house and it took me 3 years to replace it. Fully comp premium for the new steed (with zero NCD) was £97.