Calm Chris Posted June 5, 2007 Report Share Posted June 5, 2007 I sold the car 1 year ago, I had 9+ years NCD and all the protection gubbins. I understand that if I don't insure within 2 years of the last policy close date that all NCD / NCB is lost and I'll have to start all over again. Is that right? If so can anyone think of a method of retaining the insurance NCD / NCB without having to buy a car or swap the registration doc on the wife's car in to my name- which is silly because it adds another owner? I do have access to a £1000 van that I share with a friend, but they insure it and I'm just a named driver- I don't want to put her or the van under my insurance because she really is a cr4p driver. Three panels damaged since we bought it Quote Link to comment Share on other sites More sharing options...
paul130TDI Posted June 5, 2007 Report Share Posted June 5, 2007 A few friends have gotten around this by finding someone with an old car lying in their fields, i.e 1980 something metro who still have the tax book and simply insuring if 3rd party only, limited to 1000 miles per year for around £100. in short term is quite a cheap way to keep ncb, not so convinced about longterm savings Quote Link to comment Share on other sites More sharing options...
fizzbitt Posted June 5, 2007 Report Share Posted June 5, 2007 I thought it was 5 years before they become invalid... ? Quote Link to comment Share on other sites More sharing options...
Pa55aT Posted June 5, 2007 Report Share Posted June 5, 2007 No two years is the general rule though you may find an insurer willing to accept after this time. I am sure you can insure your wifes car in your name without changing the name on the log book because you are husband and wife and technically it is your property as well. So if your wife has ncb as well, you could take it in turns insuring the car each year. Chris Quote Link to comment Share on other sites More sharing options...
Calm Chris Posted June 5, 2007 Author Report Share Posted June 5, 2007 [ QUOTE ] A few friends have gotten around this by finding someone with an old car lying in their fields, i.e 1980 something metro who still have the tax book and simply insuring if 3rd party only, limited to 1000 miles per year for around £100. in short term is quite a cheap way to keep ncb, not so convinced about longterm savings [/ QUOTE ] I understand that if the car isn't registered to you that this is 'difficult', also that a notice of off road to avoid motor tax issues would prevent this. It was also an ex method of getting 17 y.o. kids some NCD / NCB while insured via mums / dad's car The idea that I could insure my other halfs car every other year sounds good, but surely the lack of yearly continuity with one person insuring the car would become an issue Quote Link to comment Share on other sites More sharing options...
shark_90 Posted June 5, 2007 Report Share Posted June 5, 2007 I'm sure it's 2 years. Best thing to do IMO is buy a £50 wreck and insure it. If it's off road then it doesn't need taxing or MOTing, it doesn't matter if it's a motorbike that just sits in the back of the garage I guess, so it doesn't have to take up the room of a car. Quote Link to comment Share on other sites More sharing options...
Sponge Posted June 5, 2007 Report Share Posted June 5, 2007 But does motorcycle ncb count towards car ncb? I didn't think it did. Quote Link to comment Share on other sites More sharing options...
GrahamSmith Posted June 5, 2007 Report Share Posted June 5, 2007 [ QUOTE ] But does motorcycle ncb count towards car ncb? I didn't think it did. [/ QUOTE ] Yes it does count - the principle is that you are given credit for not having made a claim On your policy - it does not matter if that policy is to cover an RS4 or a ride on Lawnmower, if you have not made a claim you are entitled to a discount and the best part is you need to produce your NCD certificate from the "Holding" policy to claim your entitlement to full NCD on the new one and in so doing you comply with your legal and fidicuary duties of full disclosure. I know of at least two chaps who have keep a moped on cover while they have served a DR10 ban to ensure they maintain maximum NCD. Quote Link to comment Share on other sites More sharing options...
shark_90 Posted June 5, 2007 Report Share Posted June 5, 2007 Yes a policy is a policy, so it shouldn't matter what it's on (within reason). Quote Link to comment Share on other sites More sharing options...
Sponge Posted June 5, 2007 Report Share Posted June 5, 2007 Hmm. Not convinced. When I got my motorcycle insured they wouldn't accept car ncb for a discount. Carole Nash: [ QUOTE ] Am I able to use my car no claims bonus on my motorbike insurance policy? No. Only motorcycle no claims bonus can be used as a discount. [/ QUOTE ] So why would it work the other way around? I'd check with your insurer first. Quote Link to comment Share on other sites More sharing options...
jonm51168 Posted June 5, 2007 Report Share Posted June 5, 2007 if this is correct then carole nash the largest bike insurer dont see it that way i own both car and bike, with full n/c of 8 years on the r32 but the firblade i have had to build up the n/c over the last three years i did ask if it made a difference when i insured with them and the answer was no.so please check this option out Quote Link to comment Share on other sites More sharing options...
fizzbitt Posted June 5, 2007 Report Share Posted June 5, 2007 that would make sense... i have loads of experience driving sporty quick cars but put me on any bike and i will fall over... Quote Link to comment Share on other sites More sharing options...
jonm51168 Posted June 5, 2007 Report Share Posted June 5, 2007 i can do that as well, and it hurts oh the joys of biking and diesel on the the roads. Quote Link to comment Share on other sites More sharing options...
Insurance Jon Posted June 5, 2007 Report Share Posted June 5, 2007 chris insure a car then cancel the policy after a month, the 2 years start again. there is no need to swap log books as you are man and wife. Quote Link to comment Share on other sites More sharing options...
shark_90 Posted June 5, 2007 Report Share Posted June 5, 2007 [ QUOTE ] if this is correct then carole nash the largest bike insurer dont see it that way i own both car and bike, with full n/c of 8 years on the r32 but the firblade i have had to build up the n/c over the last three years i did ask if it made a difference when i insured with them and the answer was no.so please check this option out [/ QUOTE ] You can't use your NCB on two vehicles at once. Quote Link to comment Share on other sites More sharing options...
chasdrury Posted June 5, 2007 Report Share Posted June 5, 2007 [ QUOTE ] [ QUOTE ] if this is correct then carole nash the largest bike insurer dont see it that way i own both car and bike, with full n/c of 8 years on the r32 but the firblade i have had to build up the n/c over the last three years i did ask if it made a difference when i insured with them and the answer was no.so please check this option out [/ QUOTE ] You can't use your NCB on two vehicles at once. [/ QUOTE ] Nut some insurers will let you have the equivalent discount on both cars - Noel Dazely have with mine... I have 5 years NCB on my A4, and the discount equivalent to 5 years NCB on the 80 Chaz Quote Link to comment Share on other sites More sharing options...
techieboy Posted June 5, 2007 Report Share Posted June 5, 2007 [ QUOTE ] [ QUOTE ] [ QUOTE ] if this is correct then carole nash the largest bike insurer dont see it that way i own both car and bike, with full n/c of 8 years on the r32 but the firblade i have had to build up the n/c over the last three years i did ask if it made a difference when i insured with them and the answer was no.so please check this option out [/ QUOTE ] You can't use your NCB on two vehicles at once. [/ QUOTE ] Nut some insurers will let you have the equivalent discount on both cars - Noel Dazely have with mine... I have 5 years NCB on my A4, and the discount equivalent to 5 years NCB on the 80 Chaz [/ QUOTE ] Likewise. MoreThan do it for me and Admiral and Direct Line would also do it as well, when I asked. Quote Link to comment Share on other sites More sharing options...
shark_90 Posted June 5, 2007 Report Share Posted June 5, 2007 Yes but that is at the insurer's discretion, that's not the point I was making. NCB is NCB whether it's on a car or a bike Quote Link to comment Share on other sites More sharing options...
Insurance Jon Posted June 5, 2007 Report Share Posted June 5, 2007 er it isn't. most car insurers won't take bike and vice versa Quote Link to comment Share on other sites More sharing options...
shark_90 Posted June 5, 2007 Report Share Posted June 5, 2007 Worked for a mate of mine insuring a moped when he was 16, they tranferred his 1 year NCB to his car when he started driving. Quote Link to comment Share on other sites More sharing options...
Sponge Posted June 6, 2007 Report Share Posted June 6, 2007 Frankly, and please don't misunderstand me as being argumentative , but I find this absurd. How can driving a motorcycle be considered comparable to driving a car, insurance risk wise? I expect it was down to the insurer. Which still leaves the point, you need to check with each company/underwriter/broker. Quote Link to comment Share on other sites More sharing options...
Calm Chris Posted June 6, 2007 Author Report Share Posted June 6, 2007 [ QUOTE ] chris insure a car then cancel the policy after a month, the 2 years start again. there is no need to swap log books as you are man and wife. [/ QUOTE ] Thanks Jon, I owe you a pint. When's the new bar opening Quote Link to comment Share on other sites More sharing options...
Sponge Posted June 6, 2007 Report Share Posted June 6, 2007 Couldn't that work out expensive if the insurance company doesn't offer pro-rata refunds in the first year? Quote Link to comment Share on other sites More sharing options...
fizzbitt Posted June 6, 2007 Report Share Posted June 6, 2007 [ QUOTE ] Couldn't that work out expensive if the insurance company doesn't offer pro-rata refunds in the first year? [/ QUOTE ] Again... would be advisable to raise this with the insurer. Most companies will charge you for the time you were insured only. The only time i have been unable to cancel early is when i had made a claim which under their conditions meant i had to continue paying my monthly DD till the end. Quote Link to comment Share on other sites More sharing options...
Calm Chris Posted June 6, 2007 Author Report Share Posted June 6, 2007 I know what your saying, some play stitch up. Cancel 1 mth in get back 10/12ths of the policy cost, etc. I'll talk to the Companies nearer next renewal and 'suggest' we might be selling it shortly after the renewal / new policy date. Is there a minimum time lapse that the policy must be held to allow the NCB /NCD to refreshed ? i.e. chris wants to keep his bonuses--- chris takes out policy (inside the 2 year line / limit)--- chris cancels policy 24 hours in or does it have to be 31 days / a full month ?? Reason I ask is that certain insurers would refund the whole policy value, if you cancelled 24 hours after starting the policy. Quote Link to comment Share on other sites More sharing options...
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