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Does a claim on car insurance impact on bike NCB?

  • 18-12-2012 4:30pm
    #1
    cojomo2
    Registered Users, Registered Users 2 Posts: 3,220 ✭✭✭


    Say I have a car insured under my name with a named driver on the policy. If I have full NCB, then the named driver crashes , will this have any effect on my bike insurance policy- will it effect any NCB built up?

    Bike insurers don't take car ncb into account when quoting so surely it shouldn't effect. or does it?thanks


Comments

  • #2
    Del2005
    Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭Del2005


    When you renew you'll have to tell them about the claim. It can't affect your bike NCD but it could affect your premium as you've made a claim, therefore your potentially a higher risk.

    It's a stupid system where you can't gain a benefit from having full NCD in one which can't be transfered, but can loose out by claiming.


  • #3
    goodlad
    Registered Users, Registered Users 2 Posts: 3,224 ✭✭✭goodlad


    When you renew they ask "Have you had any motoring claims".. its not just policy specific they want to know about.

    As Del said, it cant actually effect your no claims on the bike policy but no doubt there is a system to factor it in.


  • #4
    cojomo2
    Registered Users, Registered Users 2 Posts: 3,220 ✭✭✭cojomo2


    Del2005 wrote: »
    When you renew you'll have to tell them about the claim. It can't affect your bike NCD but it could affect your premium as you've made a claim, therefore your potentially a higher risk.

    It's a stupid system where you can't gain a benefit from having full NCD in one which can't be transfered, but can loose out by claiming.

    even if it wasn't me but the named driver on my policy that crashed? That's a rite pain in the hole, everything to suit them and screw you..grr


  • #5
    goodlad
    Registered Users, Registered Users 2 Posts: 3,224 ✭✭✭goodlad


    cojomo2 wrote: »
    even if it wasn't me but the named driver on my policy that crashed? That's a rite pain in the hole, everything to suit them and screw you..grr

    Well i guess it depends.
    When the claim was made by the Named driver did they lose a NCB or did you also lose NCB?

    If the claim by the named driver doesnt have your name attached to it then i wouldnt mention it to the bike insurance company.


  • #6
    cojomo2
    Registered Users, Registered Users 2 Posts: 3,220 ✭✭✭cojomo2


    goodlad wrote: »
    Well i guess it depends.
    When the claim was made by the Named driver did they lose a NCB or did you also lose NCB?

    If the claim by the named driver doesnt have your name attached to it then i wouldnt mention it to the bike insurance company.

    well, if the named driver had a crash and was at fault, it would be me that looses the NCB as it's my policy that will be claimed against- I'd like to think it wouldn't effect my bike policy but looks like I could be wrong- can't say I'm surprised..insurance companies..pricks


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  • #7
    Del2005
    Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭Del2005


    cojomo2 wrote: »
    well, if the named driver had a crash and was at fault, it would be me that looses the NCB as it's my policy that will be claimed against- I'd like to think it wouldn't effect my bike policy but looks like I could be wrong- can't say I'm surprised..

    That's the way the insurance companies work it. It's your policy so you made a claim, the named driver is also affected as they've made a claim.

    The fact that you have made a claim will affect your bike policy and vice versa, shame that they don't do it in reverse and allow NCDs from one transfer to the other.
    cojomo2 wrote: »
    insurance companies..pricks

    QFT


  • #8
    Cuddlesworth
    Registered Users, Registered Users 2 Posts: 13,995 ✭✭✭✭Cuddlesworth


    If you have a claim against you on your bike policy, you are obliged to inform your car insurance company about the claim. You will lose both policy's NCB accrued and both policy's will be loaded at renewal for a claim.

    If you have a claim against you on your car policy, you are obliged to inform your bike insurance company about the claim. You will lose both policy's NCB accrued and both policy's will be loaded at renewal for a claim.

    If you have a claim against you on your car policy by a named driver, you are obliged to inform your bike insurance company about the claim. You will lose both your NCB and both policy's will be loaded at renewal for a claim. If the named driver has a car insurance policy, 50% of the cost will go to that policy and they will lose any NCB accrued on any policy's they may have.

    NCB is a discount against your person for any claims. It doesn't matter if its against a specific policy. The question is very simple, have you had any claims?


  • #9
    Del2005
    Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭Del2005


    Cuddlesworth wrote: »
    If you have a claim against you on your bike policy, you are obliged to inform your car insurance company about the claim. You will lose both policy's NCB accrued and both policy's will be loaded at renewal for a claim.

    If you have a claim against you on your car policy, you are obliged to inform your bike insurance company about the claim. You will lose both policy's NCB accrued and both policy's will be loaded at renewal for a claim.

    If you have a claim against you on your car policy by a named driver, you are obliged to inform your bike insurance company about the claim. You will lose both your NCB and both policy's will be loaded at renewal for a claim. If the named driver has a car insurance policy, 50% of the cost will go to that policy and they will lose any NCB accrued on any policy's they may have.

    NCB is a discount against your person for any claims. It doesn't matter if its against a specific policy. The question is very simple, have you had any claims?

    They can't take your NCD from a policy you haven't claimed on, but they can load the policy as you have a made a claim. If the NCD was for the person then it could be used on multiple policies, it can't.


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