Insuring three cars between two people

[8bit]

Mrs. 8bit and I each own and insure our own cars, she has an MX-5 and I have a Leon Cupra R. I wish to buy a new car and she wishes to sell the Mazda. She'll take over the Leon as her car.

Her car seems to be taking time to sell and I've already missed out on one potential new car because we were waiting to sell hers, so we'd each only have one policy and wouldn't have to have any cars insured without any NCB.

I spoke to my insurers and the best they could come up with was this - she's a named driver on my policy for the Leon, so switch the applied NCB on that policy to hers at no extra cost. She cancels the insurance for the Mazda and adds it on 28 days' temporary cover to the Leon policy for a cost of £128. This then leaves me free to buy a new car, take a new policy out on that and apply my NCB on it.

We tried adding new car to my policy but that was ridiculously expensive. Looked to switch the MX-5 to TPO cover and remove the NCB but her insurers wouldn't do that. Anyone got any better suggestions so we don't get stung on insurance (particularly for the car we're trying to sell anyway)? Or am I just going to have to learn some patience?

[Heaveho]

Hi, not sure if this is of immediate help, unless you're willing to change insurers straight away, but we insure my much modified Evo, my wife's Lexus and my company Ford Connect on one family fleet policy with Pace Ward.....very well known and reputable company in Evo circles, and incomparably cheap for my requirements, all 3 covered for £1300 approx. We both get to have our own no claims, meaning if I crash the Evo, she doesn't lose out.

[8bit]

Thanks for the tip, I'll give them a call. Cheers

[CYMR0]

Insure one car with no no-claims, then cancel and prorate the refund when it sells.

It might work out substantially less, even after admin fees, than £128... although it will very much depend on who you insure with, and if a claim *is* made you would lose the entire year's premium.