Transferring NCD from a bike to a car policy - A thick person wonders...

Now I'm sure we've done this one before, but I can't remember the details.
Consequently I could come across as somwhat more dopey than usual. Bear with
me:

AIUI, some insurance companies will let you transfer your bike No Claims
Discount over to a car policy, but does anyone know *which* companies, to
save me asking each one? I've got 6 years NCD on the bike, which obviously
would make a hell of a difference when insuring a cage.

The thing is, I looked at the Terms and Conditions for four different
insurers last night, and nowhere did I see anything about the NCD having to
be earned exclusively on a car policy. So do I just say I've got six years
NCD and wing it? (probably not good).

Also, if you do transfer it over, what happens to the Bike NCD? Whilst I'd
like the benefit of the NCD, I wouldn't like to lose the discount on the
bike if I had a prang in the car. Is that how it works? Or are they separate
because you have two policies?

Thanks for your patience. I've never had more than one vehicle at the same
time before, and I'm a bit confused!

Dan

 

Phone Carole Nash, they offer deals when combining 2 or more of their
products (eg. bike and car insurance), so they may be able to help.

 

Ah, cool. Ta. They also came out with one of the cheapest quotes for me too.

 

So, my plan of transferring the NCD to the car, then getting a smaller bike
might be a good one... Shift the NCD onto the expensive car and insure a
smaller cheaper bike with little or no NCD. I guess then I would have to
start building the NCD up separately on the bike at that point.

Ooh, ta.

Well, yeah, but I might want to ride them both in the space of a year, and
doing that as cheaply as possible would be good!

 

Elly recently found a company that took her bike NCD into account wrt
car insurance. I'll ask her to respond when she returns.

 

Yeah, I guess if you can rack up several years without killing yourself on a
bike, you're probably more likely to survive in a car. The reverse most
certainly does *not* apply.

Not a problem, I have my current and previous bike policies with NCD stated
on each.

 

Carole Nash did that for me - I have separate policies, but they gave
me half my bike NCD against my car.

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Pip

I'll just bet you will, you mucky little man.

Get her to tell us about insurance when you've finished, eh?

--
Wicked Uncle Nigel - Manufacturer of the "Champion-105" range of rearsets
and Ducati Race Engineer.

WS* GHPOTHUF#24 APOSTLE#14 DLC#1 COFF#20 BOTAFOT#150 HYPO#0(KoTL) IbW#41
SBS#39 Enfield 500 Curry House Racer "The Basmati Rice Burner",
Honda GL1000K2 (On its hols) Kawasaki ZN1300 Voyager "Oh, Oh, It's so big"
Suzuki TS250 "The Africa Single" Yamaha GTS1000

 

I asked her - it was Carole Nash, on the basis of Elly having had
insurance with CN for about a year.

 

<eyebrows in motion>

 

I had policies for:-
Bike
Car
and Ford Transit

at the same time. Each had its own NCD.
When the windscreen on the transit was smashed, cost £130 to get replaced
and it had to be reported on all three policies, even though no claim was
made.
(Read the small print on your policy) All incidents MUST be reported even if
no claim is made. If an incident is reported it MAY affect your NCD.

Led to WTF on the bike policy when I changed agents at renewal time.
"It says here you had your windscreen smashed! On a bike!"

So keep your policies with separate companies, use different agencies to
purchase
them and plead ignorance when the gestapo come hammering on the door!