Multiple car insurance help please!

[M@1975]

I'm having a nightmare trying to insure 3 cars at the moment.

The mini is currently up for sale but I need to keep it insured so that people can test drive and I can move it around as and when needs be. Currently this is insured by my Mrs.

I've got a car and we have another arriving this weekend to replace the Mini, eventually we want the new car to go on her policy, can't find anyone with a decent multicar policy who don't want to absolutely rob me (new car is an M3) for the privilage, current insurer wanted an extra grand off me with a £900 excess and that was their cheapest discount deal, I had one company tell me it would be £7k for the M3 as they would give me multicar but with only 1 year of recognised NCB, the car isn't worth that!!!

Anyone have experience of a similar situation and any ideas of how I can sort this out? I'm actually at the end of my tether and utterly fed up with the so called specialists and the others who claim to offer multicar but in reality don't offer anything worth getting involved with.

[Bootey]

If the Mini is already insured then you should be able to replace this with the new vehicle and then add the mini temporarily.

Depending on the insurer you may be able to do this for anything from 14 days to 90 days. Once you have used these days up try to then add it to your policy until its sold.

Alternatively you can try to get tempcover (google search) for the odd day that you need to insure the Mini but it will work out quite expensive.

All depends on how long you think you will keep the mini really. Plus be careful if you insure all three as they may charge you short term cancelation charges for taking the one vehicle off.

If you want any help just send me a pm.

[Snowboy]

Admiral are doing a fine job for me with multicar.

I think your biggest problem though will be the M3 with only 1 year NCB.
That’s going to be tricky.

Also, jumping from a Mini to M3 might mean they hike the premium unless you can prove some experience in powerful cars.

[M@1975]

I've actally got 6 years NCB but the multicar dudes all offered me only one on the M3, could not get to the bottom of why exactly!! Will try admiral though, I've heard from others they are pretty good.

Main issue with the mini is it's modded (coilovers being the big issue) and I haven't found a way to get temp cover on a modded car.

Also loads of experience with high perf cars, skylines, 200SX, 300ZX, Silvia, Gt4... the list goes on and on.. It used to be so much easier to insure loads of cars, I had 5 at one point with mirrored NCB on all of them!

Edited by M@1975 on Thursday 31st May 17:22

[KaraK]

Another vote for Admiral here - doing a cracking job on my multicar and they matched my no-claims across from the scoob to the hack.

[aw51 121565]

How old is the M3? ie would a classic insurance broker cover it cost-effectively?

Multicar insurance doesn't make sense for every last set of circumstances, unfortunately .