On how many cars/bikes can you use your no claims?

Koalagrabber

We have a car and a motorbike, and for years my husband has used his no claims on both (separate insurers)Generally when renewing it asks if you have another vehicle and we declare the bike/car and nothing else is said. However, my husband recently got a second motorbike and for convenience, insured it with Hastings, who held the other bike policy, advising it was a 2nd bike. Both bikes come up on the link to their site, showing as having full no claims bonus on them. The original bike is now up for renewal, and whilst trawling for quotes, this little one came up. 'How many years no claims do you have, not being used on another vehicle?' I was under the impression the no claims is earned by you, 'belongs' to you and therefore can be used on any vehicle you drive/ride. Or do we have to have a multi bike policy to get the no claims on both bikes? Hastings seem to have readily given it, but it looks like Bennetts won't.

keith969

No claims discount is on one vehicle only, found this out some years ago when insuring a second car - had a quote and took out the insurance, then the company subsequently asked for proof of NCD. On receipt they increased the premium. Always check the T&Cs!

pogofish

keith969 wrote: »

No claims discount is on one vehicle only

Not any more.

This was the root of my trouble with insurers quite recently - After being informed of a theft claim on my motorbike and clearly telling me it would not affect my car insurance renewal, my then insurers came back some time later accusing me of lying to them by not declaring the bike claim and voided my policy.

They then lied and weaselled-out of it by claiming they had "changed call centres" during the intervening period and had no record of being informed.

Although we eventually agreed on a no-claims period that was acceptable to both of us, it took several years before my premiums decreased from eviscerating to merely eye-watering again! :mad:

hollie.weimeraner

Yes you can only use it on 1 vehicle. However, if you insure a second vehicle a number of insurers will ask if you have any NCD on another vehicle and apply a discount to the second vehicle.

My wife recently bought a new car and we needed short term insurance on her old car until we sold it. The Co-Op quoted her as if she had 9 years NCD so went with them. (Sold the car within 2 weeks and cancelled the policy so it cost us £47 for 2 weeks insurance! Cheapest short term insurance was £150)

keith969

pogofish wrote: »

Not any more.

I guess it depends. Here is what gocompare have to say:

NCBs on multiple vehicles

Your no claims bonus applies to a single car and, although it can be transferred to an alternative car, it can’t be applied to an additional car or another vehicle.
A number of insurers will give discounts or allow you to mirror your NCB on a second car, but you need to check with individual insurers to find out if they offer such incentives

jimjames

pogofish wrote: »

Not any more.

This was the root of my trouble with insurers quite recently - After being informed of a theft claim on my motorbike and clearly telling me it would not affect my car insurance renewal, my then insurers came back some time later accusing me of lying to them by not declaring the bike claim and voided my policy.

It's true that it won't affect the NCB on your car from an accident on another policy although it could affect the premium. It's not true that you don't have to declare accidents.

If you are asked, have you had an accident you need to declare truthfully. If you say no accidents when you have had a claim then you are lying.

iainscomputer

Motorbikes are different to cars & multiple bikes can be insured on one policy all on the same no claims.
The old Norwich Union rider policy let the policyholder ride ANY bike up to a set cc limit. Lots of motorcyclists own more than one bike & this is to cater for that market.
If lots of motorists owned more than one car, the insurance industry might cater for them in a different way.

pogofish

jimjames wrote: »

It's true that it won't affect the NCB on your car from an accident on another policy although it could affect the premium. It's not true that you don't have to declare accidents.

If you are asked, have you had an accident you need to declare truthfully. If you say no accidents when you have had a claim then you are lying.

They were fully and accurately informed on both counts - and still lied to serve their own interest!

caliew

Hi, I have worked in insurance for a number of years and I have just left due to childcare. Usually the audit trail for no claims bonus means that the build up on the motorbike is for bike insurance only and the build up on no claims bonus on your car is normally for private car policies only. However there may be an underwriter that allow this to be transferred but I have never stumbled across any in my experience but that is not to say there isn't a company out there.

So the audit trail on the car goes on the car and any subsequent trade ins, the audit trail for the bike goes on the bike and any subsequent trade ins and if you take on a 3rd vehicle then ie. other motorbike then the audit trail of no claims bonus for that bike has to start from scratch and any subsequent vehicle trade ins. Even multi car policies tend to have each car on their own audit trail of no claims bonus if you check your paperwork.

Hope this helps

BeenThroughItAll

caliew wrote: »

Hi, I have worked in insurance for a number of years and I have just left due to childcare. Usually the audit trail for no claims bonus means that the build up on the motorbike is for bike insurance only and the build up on no claims bonus on your car is normally for private car policies only. However there may be an underwriter that allow this to be transferred but I have never stumbled across any in my experience but that is not to say there isn't a company out there.

Clearly haven't had that much experience then, as it's quite common for bike insurers to allow car insurance NCB to be taken into account or mirrored for introductory discount.

jimjames

BeenThroughItAll wrote: »

Clearly haven't had that much experience then, as it's quite common for bike insurers to allow car insurance NCB to be taken into account or mirrored for introductory discount.

Same person that claims "fronting" is adding another named driver to a policy where they are clearly listed as not the main driver so probably take with a pinch of salt.

https://forums.moneysavingexpert.com/discussion/comment/70364712#Comment_70364712