Insurance for cars and bikes

Motorcycling
1

Hi everyone,

I am considering buying a car (don’t beat me up…) with the girlfriend mainly for errands that can’t be done on a motorbike. Yes they exist (ever tried to transport a mattress?)

Anyway, I wanted to know how having both a motorbike and a car insurance affect each other. More specifically:

1- Does No Claims Bonus acquired on a motorbike insurance can be carried over to the car insurance (and vice versa).
2- If you have made a claim in the past in your motorbike insurance, do you need to tell your car insurer?
3- If you don’t claim for a year in both your motorbike and car insurance, do you get 2 NCBs or just one for each category.
4- If you claim on your motorbike do you lose the NCB for both the car and the bike, or just the bike?
5- If you are a biker is your girlfriend a biker chick, or does she actually need to have her own bike?

Thanks everyone.

2

1 - Not normally.

2 - Yes

3 - Yes

4 - Just the bike, but your car insurrance will be weighted (and vice versa)

5 - Don’t know - she had a bike when I met her in 1986.

3

Can I throw in the question: how many years can you NOT be insured on a car before your NCB runs out?

4

2 years

5

If shes up for it she can become a biker chick just by letting all us other bikers have her for a night…easy really…

6

Thanks ShinKuza.

(Anyone got an old banger in a rural postcode that I can insure?)

7

1-Does No Claims Bonus acquired on a motorbike insurance can be carried over to the car insurance (and vice versa).
2-If you have made a claim in the past in your motorbike insurance, do you need to tell your car insurer?
3-If you don’t claim for a year in both your motorbike and car insurance, do you get 2 NCBs or just one for each category.
4-If you claim on your motorbike do you lose the NCB for both the car and the bike, or just the bike?
5-If you are a biker is your girlfriend a biker chick, or does she actually need to have her own bike?

Hiya…

In my experience most insurance company’s would not insure bikes and cars on trhe same policy until a few years ago but whatever ncb was accrued was always for one or the other, in order for you to have a working ncb on both vehicles you had to insure them separately.

If a claim was made on one then it would have to be declared on the other or it would be deemed an invalid claim should you ever make one.

If both vehicles were on the same policy then you would only get the ncb on the principal vehicle, unless you had more than 4 vehicles on the policy which would then put you in the realms of the block policy, which is different entirely.

If you claimed for one then yes you would lose on both unless it was stipulated that the ncb was protected assuming that you werent claiming on the principal vehicle. Smell a con there do ya?? (I believe this is still true but I stand to be corrected)

As for the biker chick… I cant answer that cause mine hates bikes with a passion

8

I discovered that insuring the bike and car in different names (if possible) pays off. You put yourself/partner down as second driver.

You bend the partners car, you don’t get knocked on the other vehicle if they don’t ask the right questions.

I didn’t have to declare having a small knock in the wifes car on the bike policy as the renewal question asked have “you” made any claim, etc.

Correct answer. No.

The wife did. But that’s not what they asked.

9

Insurers are like casinos, they always win.

They won’t usually give you anything for x years of NCB on a bike when you first insure a car (or vice versa) yet they want to know about any accidents or claims on the bike when working out the premium on the car (or vice versa).