Generally speaking, you cannot use your motorcycle insurance no claim bonuses directly for your car insurance. However, this doesn’t mean it isn’t worth bringing up to your insurer as there are a few out there who can and will give a discount based on the fact you’ve been a road user for an amount of time without any claims - but this isn’t guaranteed!
It is also worth noting that your no-claims bonus can only be used on one vehicle at a time, so if you intend on continuing to ride a motorcycle or scooter, your best bet is to keep it running on there!
In this blog, we are going to be running through what a no-claims bonus really is and whether or not it can be used across the board when it comes to vehicle insurance.
So without further ado, let’s get into it - shall we?
What is no claims discount?
No Claims Discount, also known as a no-claims bonus (NCB) will be awarded to you at the end of a 12-month policy period, provided you have not had an accident or had a claim made against your policy.
Typically, the more years of no-claims discounts you attain, you should see the discount reflected on your next year's premium (read more in our guide to motorcycle insurance considerations). You can continue to build up a no-claims bonus of nine years, however, after this point, this discount will typically then be capped.
Can motorcycle or scooter no claims bonus be used for a car?
The short answer is no. Car insurers and bike insurers will generally not allow you to transfer your no-claims discount from one car or bike policy to the other.
But it’s not all bad news. If you’ve built up a few years of claim-free riding, some insurers will provide a discount on your new policy – often referred to as an ‘introductory discount’.
So, it’s certainly worth asking the question when you’re setting up a new policy, as your proven track record as a claim-free road user could land you a bit of money off.
Of course, also remember that no claims discount can only be used on one vehicle at a time, and you have to prove they are full years of no claims bonus with a certificate.
How long does no claims bonus last?
As a general rule, no claims bonus can sit for two years without being used before they expire. However, this will vary between insurers so it is always worth double-checking with your chosen insurer - just in case!
Get in touch for help with no claims!
So there you have it, we hope you enjoyed our full article on everything regarding no-claims bonuses…
Last but not least, if you are in need of motorcycle insurance, make sure to get a quote direct with Lexham!