Multicar insurance, what a f****** joke
Discussion
LMC said:
a
holes the lot of them 
I just bought a small diesel runabout to go to work in etc. Went on the phone to my insurers to get a quote for it; Clio 1.5 Dci. "We don't do multicar insurance, the best we can do is quote you on a new policy with an intoductory 3 year NCD".
"Fine" I says. Gimme the quote (waits 5 minutes). Quote is £324 FC for a year.
"Go take a flying f*** to yourself" was my response
On to the so called experts in this, Admiral....
Online quote, go through the pallaver, get 2 separate quotes bundles into a supposed multicar deal, as follows:
Subaru Forester 2.5 XT with 17 years NCD = £271 fc,
Renault Clio 1.5 Dci with 0 years NCD = £327,
Add the 2 together and the multicar quote was £598.
GTF outa here you robbing bds!!!!!!!!! I can only drive one of these cars at a time. I told you both are in the driveway, ergo when I am in one, the other is safely tucked up in my driveway.
Oh ffs
I can't even see a way around this. My wife doesn't drive; I considered making her the registered keeper and driving the Clio on 3rd party with my Subaru insurance. But when it comes time to tax the Clio I'm stuffed, because there won't be an insurance certificate....
bks, it's all bks
WAH WAH! so what, insurance is expensive.holes the lot of them I just bought a small diesel runabout to go to work in etc. Went on the phone to my insurers to get a quote for it; Clio 1.5 Dci. "We don't do multicar insurance, the best we can do is quote you on a new policy with an intoductory 3 year NCD".
"Fine" I says. Gimme the quote (waits 5 minutes). Quote is £324 FC for a year.
"Go take a flying f*** to yourself" was my response
On to the so called experts in this, Admiral....
Online quote, go through the pallaver, get 2 separate quotes bundles into a supposed multicar deal, as follows:
Subaru Forester 2.5 XT with 17 years NCD = £271 fc,
Renault Clio 1.5 Dci with 0 years NCD = £327,
Add the 2 together and the multicar quote was £598.
GTF outa here you robbing b
ds!!!!!!!!! I can only drive one of these cars at a time. I told you both are in the driveway, ergo when I am in one, the other is safely tucked up in my driveway.Oh ffs
I can't even see a way around this. My wife doesn't drive; I considered making her the registered keeper and driving the Clio on 3rd party with my Subaru insurance. But when it comes time to tax the Clio I'm stuffed, because there won't be an insurance certificate....
b
ks, it's all bks And before anyone says it, yes, I feel my comment has added something.
otolith said:
Du1point8 said:
why cant they just insure the car and not the person?
Would make life so much easier, little bit more expensive but easier on everyone.
Because most of the variation in risk attaches to the person. We insure an Elise, a 350Z and a (na) Impreza for less than a kid would pay to insure a Fiesta.Would make life so much easier, little bit more expensive but easier on everyone.
My total bill is about £1,800 per annum.
Skellen said:
otolith said:
Du1point8 said:
why cant they just insure the car and not the person?
Would make life so much easier, little bit more expensive but easier on everyone.
Because most of the variation in risk attaches to the person. We insure an Elise, a 350Z and a (na) Impreza for less than a kid would pay to insure a Fiesta.Would make life so much easier, little bit more expensive but easier on everyone.
My total bill is about £1,800 per annum.
Cheap insurers generally tend to be a pain in the arse if you actually need to use them!
Dave
Admiral pissed me off last year. They double your premiums at renewal.
I am with Tesco on a Golf GTI with 1year NCB as my second car, paying about £400.
My M3 is with Swift cover renewal was £728 (8 yrs NCB), but needed a tracker and my Wife could not be covered. Tesco were £580, no tracker required and my Mrs on it, I put in my clubcard dropped to £550, phoned and said i already have a car insured with them, down to £456. Happy days.
I dont think your quotes are too bad.
I am with Tesco on a Golf GTI with 1year NCB as my second car, paying about £400.
My M3 is with Swift cover renewal was £728 (8 yrs NCB), but needed a tracker and my Wife could not be covered. Tesco were £580, no tracker required and my Mrs on it, I put in my clubcard dropped to £550, phoned and said i already have a car insured with them, down to £456. Happy days.
I dont think your quotes are too bad.
Don't base your expected price on a comparison site if you're looking into multi-car options. The online comparison quotes can't take into account small variations in individual circumstances and policies.
They will mirror NCD as long as there are more cars than drivers on the policy. You need to call and ask for this though and they will ask about mileage etc on both cars.
I ended up better off ditching my NCD on my Volvo and adding my sister to the policy even though she doesn't live at the same address as me and rarely even sees the cars never mind drive them!
So call and speak to someone, it does work
They will mirror NCD as long as there are more cars than drivers on the policy. You need to call and ask for this though and they will ask about mileage etc on both cars.
I ended up better off ditching my NCD on my Volvo and adding my sister to the policy even though she doesn't live at the same address as me and rarely even sees the cars never mind drive them!
So call and speak to someone, it does work
Skellen said:
You can and I do - but it costs. I insure through Chubb (via Quantum) - I have 4 cars on the policy and each one adds an incremental amount on top the first. But for that I and all my named drivers can drive fully comp on any car they choose and anyone can drive ours fully comp, plus unlimited mileage / use abroad / full business / agreed w/o value (with upward flex) and breakdown cover included.
My total bill is about £1,800 per annum.
That's actually very cheap, if it means an 18 year old with 9 points and a write-off can drive your cars - or would I be right in guessing that there are conditions attached to the "any driver" terms?My total bill is about £1,800 per annum.
LMC said:
I considered making her the registered keeper and driving the Clio on 3rd party with my Subaru insurance. But when it comes time to tax the Clio I'm stuffed, because there won't be an insurance certificate....
If someone hasnt already said, you cant do this, 3rd part cover on other vehicles is only valid if that car has another seperate policy, unless you have some kind of motor trader insurance.jagfan2 said:
If someone hasnt already said, you cant do this, 3rd part cover on other vehicles is only valid if that car has another seperate policy, unless you have some kind of motor trader insurance.
Please don't let this start again, it's not set in stone some policies only allow it if there is cover elsewhere and some others don't.I've never understood admiral. I am a curent customer and have 3 cars on a multicar policy. Soon to be 4. Every year without fail they come up with a complete joke of a renewal figure. Its obvious a chimp somewhere bashed a calulator and then entered the value into my renewal document. No specific reason for the new figure.
The amount of time i have spent shopping around and then spending an hour on the phone to admiral afterwards arguing the price down is completely self defeating. If they come up with a reasonable quote to start with it woudl have saved my valuable time plus an hour of some call centre minions time.
When renewal time comes i am seperating the cars off again. Theres no costs savings whatsoever pooling the cars into one policy with admiral anymore IMO.
The amount of time i have spent shopping around and then spending an hour on the phone to admiral afterwards arguing the price down is completely self defeating. If they come up with a reasonable quote to start with it woudl have saved my valuable time plus an hour of some call centre minions time.
When renewal time comes i am seperating the cars off again. Theres no costs savings whatsoever pooling the cars into one policy with admiral anymore IMO.
kambites said:
Some insurers will mirror your full no claims discount onto a second policy if both policies are with them. I can't remember who I got to mirror mine, but I think it was either Elephant or Tesco.
And then if you remain claim-free for 12 months, that mirrored NCD then becomes "ordinary" NCD and you can take it anywhere you like.I did this with my cars when I was with AON. But they've become Footman James now, so I don't know whether they'll still do this. And if they do, they may only do it for existing customers and not for new business. But it's always worth asking.
LMC said:
alephnull said:
Sorry I dont see the problem...Thats really cheap insurance? I'm happy with anything under a grand.
Mate, I would spend a grand on a pushbike before I'd spend it on motor insurance 
and a pushbike won't get me around the UK in comfort with the option of another comfortable car if someone smashes into mine!
Petrolhead_Rich said:
LMC said:
alephnull said:
Sorry I dont see the problem...Thats really cheap insurance? I'm happy with anything under a grand.
Mate, I would spend a grand on a pushbike before I'd spend it on motor insurance and a pushbike won't get me around the UK in comfort with the option of another comfortable car if someone smashes into mine!
Admiral are OK sometimes. We have our Audi S4 and 328i Sport on a multicar policy with them, for me (28, 10 years NCD) and my OH (25, 0 NCD, been driving less than a year), it comes to around £1700 all in which is miles cheaper than I could find anyone else to insure a new driver on 1 group 20 car and one group 17. I'm guessing they'll no doubt attempt to shaft us at renewal time though........
If only it were easier.
If only it were easier.
I couldn't be happier with multicar. For some reason my parents' focus is the most expensive car on there but I rang up and haggled and they were able to get it down a bit. "That'll do" I thought. Nope, they kept me on the phone to negotiate more money off the ones I was already happy with, saving £125 off the renewal THEY quoted.
One car was £175 cheaper than anywhere else,
Another was £100 cheaper than anywhere else,
and the third was £50 more expensive, but for slightly better cover.
Suits me
One car was £175 cheaper than anywhere else,
Another was £100 cheaper than anywhere else,
and the third was £50 more expensive, but for slightly better cover.
Suits me
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