Car and Bike NCD

Ned52 · 7/9/21

Thinking out loud….again,
With car and motorcycle NCD being separate and you have a insurance
claim on Say the bike do you loose ex amount of NC on the bike or both
bike and car.

Just wondering

Turbine2 · 7/9/21

You have to declare the claim, but it it is up to the insurance company if they affect each other’s value (and how much by) as I understand it.

Jaws · 7/9/21

Although the NCD on the unaffected vehicle will remain in tact, the fact you will have had a claim will mark you as a risk ( even if the claim was made for a parked vehicle !) and will push your premiums up for ALL insurances
This is why the reality is there is no such thing as protected NCB and it is a n utter waste of money.. Sure, your NCB might still be 60% of whatever, but your next insurance quote will have a massive ( say, 60 % !! ) loading as you have had a claim
The insurance companies really ought to be brought to heel by legislation as they simply make up the rules to suit them selves

Ned52 · 7/9/21

All sounds one sided to me.............as usual

Car and Bike NCD

Ned52

Been there, and had one

Turbine2

Old Hand

Jaws

Corporal CockUp

Ned52

Been there, and had one