Uk Insurance Ncd Validity...

Discussion in 'Lounge' started by London_Day_600, Oct 8, 2022.

  1. London_Day_600

    London_Day_600 Member

    Jul 7, 2019
    41
    18
    LONDON
    #1 London_Day_600, Oct 8, 2022
    Hi guys,

    Just realised I have had a complete breakdown in organisation and my NCD is 2 years and 3 months old!!!


    Anyone know which bike insurers accept NCD upto 3 years old? :)


    Thanks
     
  2. Glenn2926

    Glenn2926 First Class Member
    Subscriber

    Dec 21, 2021
    807
    500
    Yorkshire
    #2 Glenn2926, Oct 8, 2022
    Not really sure what you mean? My NCB is over 9 years old. That’s only because most insurance companies only count NCD up to 9 years. It should be over 40 years.
     
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  3. London_Day_600

    London_Day_600 Member

    Jul 7, 2019
    41
    18
    LONDON
    #3 London_Day_600, Oct 8, 2022
    Oh sorry, yup I didn't really explain it properly :blush:

    I have 14+ years of NCD and my last bike insurance policy expired in June 2020 which is 2 years 3 months ago. I have been off the road since then.

    The usual practice is that if you don't renew your insurance within 2 years of your NCD proof then it lapses.

    So I'm looking for bike insurers who accept NCD which is upto 3 years old (lapsed upto 3 years). :)
     
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  4. Helmut Visor

    Helmut Visor Only dead fish go with the flow
    Subscriber

    Oct 3, 2018
    6,415
    1,000
    Three Counties
    #4 Helmut Visor, Oct 9, 2022
    You could try going back to your previous insurer as they may cut you some slack, also I believe Adrian Flux (not my favourite) are quite lenient. I think the best thing to do is go back to old school insurance searching and ring each one directly as they may give you something.
     
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  5. Pegscraper

    Pegscraper Elite Member

    Jun 12, 2020
    3,505
    800
    Yorkshire
    #5 Pegscraper, Oct 9, 2022
    As you say, this seems to be accepted practise. Just another "non-bonus" of the racket which is motor insurance.:mad:
     
    • Agree Agree x 2
  6. Scoot65

    Scoot65 Well-Known Member

    Dec 3, 2015
    232
    93
    DURHAM
    #6 Scoot65, Oct 15, 2022
    I'm currently with Bennetts and they too have the stipulation that any NCB can only be 'dormant' for two maximum. If the insurance / NCB has lapsed for more than two years, then it's lost and you have to start again accruing years
     
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