Insuring 2 Cars

[snorky]

Do any members have experience of insuring 2 cars ? I have a Honda Civic Type R and an impending TVR chim. How do I go about having a policy that includes them both ? If not will I get no claims on just one and not the other ? I've heard of people having multiple cars on the same policy bit like the old "Rider" policies for bikers years ago. Any insurance company recommendations for this kind of thing ? else the Honda is living on borrowed time

[tvrbob]

There are several brokers out there that will mirror your NCB on to a second car. Do the shopping around bit but focus on specialists like those that advertise in the TVRCC mag.

[patrick]

I did mine through Norwich Union Direct -- got the NCD from the wedge on the cooking car -- and breakdown for both -- and got a discount on the most expensive policy

[steve-p]

Do any members have experience of insuring 2 cars ? I have a Honda Civic Type R and an impending TVR chim. How do I go about having a policy that includes them both ? If not will I get no claims on just one and not the other ? I've heard of people having multiple cars on the same policy bit like the old "Rider" policies for bikers years ago. Any insurance company recommendations for this kind of thing ? else the Honda is living on borrowed time

Usually you need a separate no claims bonus for both cars. I did this for 10 years with Norwich Union - they have multi-car discounts which can make it quite a lot cheaper than two separate policies. Especially if you make the more expensive car the second car on the policy, because that attracts a discount on top of the discounts for NCB, alarm, garage etc.

[Tripps]

Admiral will mirror your NCB if you insure both cars with them, so if you use their bonus accelerator scheme you've copy a second NCB within just 10 months.

Mind you, they'd be expensive for a TVR, I used them on some less dramatic vehicles..

[jon h]

A Classic policy seems to offer the best deal for me, on a restricted mileage basis. Many Classic policies do not have an NCB as such, or will mirror your bonus. I have just gone to Classic Line who did this (tel: [phone]) but I know of Heritage and Aon who also do classic policies. Neither of these use NCB's to calculate premiums.

Jon H

[snorky]

Thanks to everyone who replied. That helped a lot.

Snorky