Help insuring an additional car

[Rick101]

Hi,

Have decided to add a load lugger to the fleet but a bit unsure the best way to go about insurance cover. I'll likely only use it a handful of times over the year, maybe 2K. I also have off road parking available.

I considered the short term insurance places 1-28 days, 3 month policies etc but tbh they come out near on as expensive as just buying an annual policy.

I have a leased Golf which is due insurance in July I was considering insuring it early using a Admiral multicar policy thinking my 8yrs NCB could be used on all cars on that policy. Going through the website application, it seems I can only apply it to one car. Quote came out at (Golf 344 + Volvo 403) £747, so not cheap whichever way you look at it.

I only paid £221 for the golf last year so single polices may be a better option. Are there any brokers/insurers that will mirror my NCB so I can get the Volvo ticketed for reasonable money? I actually have 2 lots of NCB but the 2nd one is in use on the Lotus, I need a 3rd!

Thanks

Rick

[Rick101]

Any suggestions? For a company that will mirror ncb or will be cheap and cheerful, ideally both.

[saaby93]

Try swapping around which 2 of the 3 you put on multicar

[kwk]

LV will mirror no claims as will others.

[Rick101]

Will give them a try. Ta.

[KungFuPanda]

Swiftcover also mirror.

[talksthetorque]

If you are genuinely only going to use it a few times, and you know when you're going to be using it, many companies allow a temporary additional vehicle to be added to your current policy, for up to a month at a time.
Might work out cheaper.

[Rick101]

Online LV show £268 for TPO cover with 8yrs NCB or £480 with nil NCB. Closed at min so yet to speak to them about mirroring.

edit - LV won't mirror unless I have an existing policy with them, so £480

Edited by Rick101 on Sunday 26th April 09:34

Edited by Rick101 on Sunday 26th April 11:21

[Rick101]

Been working the comparison sites, Go Compare showed an unknown broker offering at £344.

Did a final one showing it as an import as I've got a feeling it is, bizarrely Swinton who were previously silly money then dropped in at £312.
I think that's pretty good!

Magic formula seems to be
2 drivers, one female
3K mileage
TPFT
Import

IAM certificate made no difference.

[Rick101]

Saved a bit more. Went through Topcashback. Used to get quite a bit for buying car insurance but seems they have changed the system so you now fill in a comparison on their site, get the prices and then are forwarded to buy.

Admiral at £295 but went with Diamond at £301 as I know from researching they offer a 10 month bonus accelerator policy.

Prob should have waited till I get the thumbs up on MOT and don't break down 1 mile from sellers house but too eager and have gone ahead and purchased.

1998 Volvo import UK spec
2 drivers, 1 female
3K per year
Nil NCB
10 month NCB accelerator policy

£256 + £6 for paying by CC, less cash back of £22.50

So circa £240 all in all, fantastic price for having zero NCB, very pleased. Will be my 3rd lot of NCB earning now too.

Cheers for the advice

Edited by Rick101 on Sunday 26th April 12:32

[rb5er]

interested too