well got new bike
now cannot ride it for two weeks
old insurance ends 24 th aug new one starts 25 aug
cannot use old insurance for new bike
if i want to start cover on new insurance now i got to cancell old insurance and loose no claims bonus if i want to transfer old insurance to new bike it will cost 45 quid paperwork cost and extra cover for more expencive bike but new bike is 150 quid cheeper to insure this year than the old one would have been confused you should try it this end
Your situation is similar to the reason I do not have a multibike policy anymore . I have individual policys for each bike all with there own no claims bonus .
Katooom, i'm a little confused here, how can you have several no claims bonus running at the same time, i can understand one for a car and a sperate one for a bike, but several on several different bikes this puzzles me
Especaially when you can't transfer them from cars to bikes and vice versa
I had the same problem last year,so i paid the extra and gave the date i was getting my new bike for the policy to change over,That all went tits up when 2 days befor change over i was told i would not get my new bike for another 2 week,so The ins was left on my old bike till the policy ran out, but i did not get refunded the £40.00 i had paid as the paper work had already been drawn up, i was just happy they did not charge me a second time. Its all a bloody big con x
Well Blade R you can't use the same no claims on 2 seperate policys but you can have more than one set of no claims ,You can not have more than one set of no claims on one bike, but you can have one set of no claims for each bike . I tend to change bike frequently depending on what I happen to have as a route to work .And going through the bikes I have had multibike policys have given me a very hard time when I want to change and alter the bikes on the policy with , penaltys ,reassesments ,fully canceling the policy then starting a new one again usually at higher cost,demanding very specific security arrangments ,, the list went on . Also having a back up no claims when you spend your time in London traffic is handy ;)
Yes katooom your right and it was also cheaper to insure both bike separately with the same insurer get that! Also forgot to tell them about 3 points and when I did they loaded it up another £90.00 and they will be 5 years old in sept Total rip off!!! any excuse to grab more money.
pap, if the points were 5 years ago there was no need to tell them.
Most points (speeding for example) are valid for 3 years, and can be taken off your license after 4 years. . . . . your points were up!
I think there is some rule where you have to tell the insurers if you had any points in the last 5 years even though they may no longer be valid!
After I crashed my Pan I never claimed and left it in the garage to fix 'one day'.
The insurance company insured me without my say so for another year on it and I didnt realise. When the next policy was up they sent me a reminder this time and I phoned them to say the bike had been off the road for more than a year. They said that was illegal and I wasn't covered then! Huh!
The outshot was I was forced to immediately cancel because I had told them the bike was off road so lsing a years no claims bonus.
They tried to charge me £45 for cancelling so I threw the bill away and have not heard from them since.
As I had two bikes running on different policies I luckily had no claims still on the other policy but the scams they try and pull to rip people off are unbelievable.
Claims are within the last 5 years (used to be 3 till the claims racket went loopy so its 5 now )
Points there is no time limit in the question, the question is (or should be) ... Have you ever had any motoring convictions? .... some points last 10 years
You MUST tell your co especially if they are shown on your licence, What should happen is when the points code is put in ie SP30 & the date , the system auto comes up with if the points are still valid or not.
If they are spent then under the rehabilitation of offenders act, they cannot by law be taken into account when working out your prenium, as you have been deemed to have served the penalty for that offence , however if you have had them & say no because they are spent ... it can invalidate your insurance, this is because rather that load extra for having had points which they cannot do once points are spent, some companies will not insure you if you have had them, as its an insurance risk, (bit like young drivers) which they can do.
As far as Mid term adjustments go ... all companies charge for doing the paperwork its just the level you pay that differs, but its always worth it if your going to get a refund of above what the MTA is
& yeah ... sorry guys I work for an insurance broker
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