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Any insurance counts towards NCB. If company tells you other wise they are breaking the law. My mate has a 3rd party for last 3 years and guess what he has 3 years NCB. He is using H&R Insurance.
I Had 3rd party fire & theft on monster 750, first bike with one crash on 125 and no NCB. Total cost 700 a year with 500 excess and extra insurance to recover that excess + legal cover. Also H&R.
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I am magically pulled towards all things shiny, two wheeled and noisy!! Why is that, am I normal? :) No!!!! But I am a biker that explains the insanity.
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