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
Motor insurance expert
2
minute read
Do you know someone who could benefit from this article?
Posted 4 JANUARY 2022

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

There’s no right or wrong answer here. The transfer of a no claims bonus (NCB) or no claims discount (NCD) happens at your motorbike or car insurance provider’s discretion. It’s not guaranteed, but it’s certainly worth asking the question. Just be aware that your NCD can only be used on one vehicle at a time.

If the provider allows the transfer you might find that you don’t get the full NCD, but instead receive an introductory discount.

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 most 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. Not all providers will accept a no claims discount for a different type of vehicle.

If you’ve had a gap in your driving history – usually two years, but this can vary – the provider might not accept a no claims bonus that was applied beforehand. So it’s best to check with them 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 still go up 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.

If you’re switching between insurance providers, your new provider will generally require written proof of you no claims discount.

Top tip 

You may find that some insurance providers who’ll accept the no claims discount on your bike may be more expensive than one that doesn’t, so it’s always worth comparing providers. 

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.

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

Some providers might be happy to do this, while others won’t - so check with the provider. But make sure that you find the right insurance to suit your needs and don’t just base any decision on price or transferring your NCD.

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