How do you insure 2 cars.
Discussion
It may well cost more than a limited mileage to constantly swap vehicles, as admin fees can mount up.
Also, there is no "un-sorn" - this can only be done by re-applying for tax. Which you don't want to do. Or maybe you can phone up each time.
There is probably a chance that you could SORN both vehicles, but keep the tax discs (status of these not known) and then swap the insurance back and forth. You would need to carry your insurance documents with you, as any ANPR ping might take some explaining.
Whilst it isn't illegal to drive a SORNed car, you may well have some battles with the DVLA about the validity of your tax etc etc.
Also, there is no "un-sorn" - this can only be done by re-applying for tax. Which you don't want to do. Or maybe you can phone up each time.
There is probably a chance that you could SORN both vehicles, but keep the tax discs (status of these not known) and then swap the insurance back and forth. You would need to carry your insurance documents with you, as any ANPR ping might take some explaining.
Whilst it isn't illegal to drive a SORNed car, you may well have some battles with the DVLA about the validity of your tax etc etc.
Separate policy for each car here.
Was quite miffed with Admiral when I insured the Focus as they started on about multicar when they found there were 3 cars. I told him two were classics and he carried on only to suddenly say "We don't cover classics" when he found one was a modified old landrover!
Limited milage sees me paying less for an £8k Volvo with a 1.8 than my £1.5k Focus with a 1.6
Was quite miffed with Admiral when I insured the Focus as they started on about multicar when they found there were 3 cars. I told him two were classics and he carried on only to suddenly say "We don't cover classics" when he found one was a modified old landrover!
Limited milage sees me paying less for an £8k Volvo with a 1.8 than my £1.5k Focus with a 1.6
Get married and have the wife insure one!
I also have a mirrored policy on a motorhome. I wanted to do the same on my current car and use it at weekends and get another daily driver, but even though its now 10 years old no one would do a mirrored policy.
Its wrong really the max NCD is 9 years and I have double this so surely I should be able to split it down the middle across two policies.
I have used Admiral multicar in the past, but the renewal was always stupid. Most other insurers will give just as good a discount if you insure more than one car.
I also have a mirrored policy on a motorhome. I wanted to do the same on my current car and use it at weekends and get another daily driver, but even though its now 10 years old no one would do a mirrored policy.
Its wrong really the max NCD is 9 years and I have double this so surely I should be able to split it down the middle across two policies.
I have used Admiral multicar in the past, but the renewal was always stupid. Most other insurers will give just as good a discount if you insure more than one car.
I've always insured my cars seperately but this year have gone with multicar. Listening to a lot of people I won't be with them long though.
Depending what the fun car is you could get it insured using classic insurance. I've insured my M3 and 968CS with Lancaster and they're both £300 with agreed value and my Cortina is £90 so maybe somewhere in the middle.
Depending what the fun car is you could get it insured using classic insurance. I've insured my M3 and 968CS with Lancaster and they're both £300 with agreed value and my Cortina is £90 so maybe somewhere in the middle.
Bourj said:
Get married and have the wife insure one!
Isn't that called "Fronting" if she's not the main driver of the car?Me and the gf have an Admiral Multicar policy, saved £100 overall but I have friends in multi car households where the AM quote was more expensive then they were currently paying.
mattdaniels said:
Bourj said:
Get married and have the wife insure one!
Isn't that called "Fronting" if she's not the main driver of the car?Me and the gf have an Admiral Multicar policy, saved £100 overall but I have friends in multi car households where the AM quote was more expensive then they were currently paying.
Wife/girlfriend as a named driver may well decrease the premium though. Legal too
Downside is you have to let her drive it and register it in her name. Mind you both our insurances came down when we got married anyway.
"Fronting" never heard of that one. Must be something dreamed up by insurers as a wallet-emptying phrase. When I ask for quotes there is no question of who is the main driver? All I get asked is who's NCD do I want to use on what car? Not that it matters in our circumstances its always a battle as to who drives no matter what car.
Edited by Bourj on Tuesday 30th August 12:26
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