I’ve got a car and motorbike Licence , currently driving a car , I’ve got 6 Years No claim certificate on Motorbike valid for 2 years after that I lose it , My question would be If I brought something like a 50cc scooter and insured it would that carry on building up no claims for a motorbike ?
Yes it would. Although you’d probably be better off buying something you might accidentally ride at some point 
Or maybe buy a monkey bike and keep it in the house. When I got my license some chap advised me to insure a scooter even if you don’t ride it at all. I wish I’d done that, maybe bought a monkey bike and kept it in my room as an ornament just to build up a NCB.
I’ve been riding bikes since I was 16 , 25 Years old now I just need a break from it at the same time what I’m trying to get at is that if I ever wanted to go down the line of riding a bike again I’d know that my no claims have been continued for a motorbike and I’m paying cheap insurance on a 50 cc scooter , I know what your saying it just comes down to paying cheap insurance for a 50 cc scooter rather then a 600 cc , My parent’s think I wont be getting a motorbike anytime soon which is the case I just don’t want to lose 6 years no claim 2 years down the line its tricky!
Would you need to keep the road tax and MOT current on the 50cc?
Just looking at DVA,
f you don’t use or keep your vehicle on a public road (eg, you keep it in a garage, on a drive or on private land), you don’t have to buy a tax disc. Instead you must make a SORN.Your vehicle must be in and remain in Great Britain to make a SORN.
Altho when you’ve made a Sorn is your insurance still valid on it?
You’ve got 2 years to decide what to do anyway haven’t you?
Yeah I have hopefully by then I’d of won the lottery!
Some company’s (mine atleast) accept upto 3 years before they expire.
Rather than buyin a bike why don’t you just buy a frame and v5? Can pick them up for £20 upwards…
Or.
Speak to a friend and ask if you can insure there bike.
I had a policy running on my girlfriends bike while I wasn’t riding…
She also had a policy going on it…
And we were with the same company…
As long as you don’t claim on it you’ll be fine.
+1
And, as stated… Your bike does not need to be road legal.
(No need for mot or tax) if you just get a frame you can bung it in your loft/garden etc and still have it insured…
Even if its a Cat c etc, (cheaper to buy) stillinsurable.
You could even get a VRM off a random bike online and make a dud policy, again… If you don’t claim it don’t make a difference
I think you’d pay out more than you’d save
Insurance premiums are a very complicated calculation, NCB is only a small factor within that calculation. For example - My insurance premium was £212.00 with 50% NCB. Had an off and made a £5,000.00 claim losing the NCB while the settlement went through the Courts, I also picked up another 3 point endorsement. Switched insurance companies to take advantage of the new business discounted rates and the same cover as before came out at just £250.00. Now some of that £50.00 increase was down to the claim and losing the NCB and some down to picking up another 3 point endorsement. My point is 50% NCB is nowhere near 50% of the total cost of the premium.
I’m convinced the biggest savings are related to
How old you are.How long you’ve held a Full UK Category A Licence.
Aslo some insurance companies will allow half of your motor car insurance NCB against a motorcycle policy - Tesco is one
So in conclusion:
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Buy a proper bike
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insure it to save your no claims
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ride it to make the insurance worthwhile
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don’t crash it
What he ^ said
In an ideal world I think everyone would do this. The problem is that he may not have the funds to do so. Cars can be expensive to run if you are young.