Insurance Advice for my daily driver car and summer only car

[AGAR]

Hi guys,

hopefully someone on here has been in the same situation as myself with regard to insuring a daily driver for all year round use, as well as an additional weekend car for use only for 6 months of the year.

My question is, what is the cheapest way to organise insurance for both vehicles - one used all year round, and the other is only used for 6 months?

I think my options are as follows:

1) Multi-car Policy:

Insure both cars for the full year with the one insurance provider, using my 6 years NCB across both cars on the single policy.


2) Insure both cars under thier own policies:

If I was to insure both cars under their own individual policies, there are a number of items which might affect the costs of both:

a) With my summer car only being on the road for 6 months of the year, is it possible to start a year-long insurance policy for it on a pay-monthly scheme, and then cancel it after 6 months (i.e. at the end of the summer) thus only having to approximately half of the full year's premium. Or would I have to pay a large cancellation fee as well as the remaining sum of the 6 months of the premium still remaining upon cancellation?


b) My summer car is in a far higher insurance group than my daily driver, but the summer car will only be used for 6 months of the year. What policy should I use my 6 years NCB against?


c) If I were to use my NCB entitlement for the summer car policy and then cancel it after 6 months, obviously I wouldn't gain another years NCB. But would I loose my full 6 years NCB entitlement, or can my existing 6 years NCB be transfered onto another policy?


Short of obtaining quotes from several insurers for all of the scenarios above, is there an easier way of finding out what one will yield the cheapest renewal costs? Or perhaps someone has gone to the trouble of finding this out for themselves before?

Thanks,

Agar