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Can I transfer my no claims bonus from motorbike to car?

Considering switching from two wheels to four? Find out if you can transfer your no claims bonus from your motorcycle to your car, with our helpful guide.

Considering switching from two wheels to four? Find out if you can transfer your no claims bonus from your motorcycle to your car, with our helpful guide.

Daniel Hutson
From the Motor team
2
minute read
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Posted 31 OCTOBER 2019

Can I transfer a motorcycle no claims bonus to a car?

There’s no right or wrong answer here. The transfer of a no claims bonus (NCB) or discount (NCD) happens at your motorbike or car insurance provider’s discretion. It’s not guaranteed, but it’s certainly worth asking the question.

The majority of insurance providers will accept a no claims history of up to nine years, to give you a discount on your premium. After that, the discount will likely be capped, no matter how long you’ve been claim-free.

If you’re hoping to transfer your no claims bonus to a different vehicle, you’ll need to show your chosen insurance provider the no claims history on your policy or insurance certificate.

If you’ve had a gap in your driving history, they might not accept a no claims bonus that was applied beforehand. So it’s best to ask the insurance provider whether the discount will still apply.

What’s the difference between a no claims bonus and a no claims discount?

A no claims bonus refers to the number of claim-free years you’ve had on your insurance policy. It can only be used on one vehicle at a time.

A no claims discount refers to the cash discount you’re given because you haven’t made a claim. The amount is deducted from your annual premium and can make your insurance significantly cheaper. Just be aware that if you make a claim on your car insurance, your premium could rise at renewal time.

If you’re a young rider with a motorbike, scooter or moped, and you want to understand more about motorbike insurance, our young riders guide to bike insurance might help.

Can I transfer a motorcycle no claims bonus to another motorbike?

This type of transfer is more likely to be approved as it’s the same type of vehicle – and no claims discounts actually relate to your vehicle, rather than to your driving ability.

You may be able to ‘mirror’ your no claims discount on a second motorbike, but this is up to your insurance provider.

Read our guide to the different types of motorbike insurance, to find out which one’s right for you.

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