Insuring more than one car

[Tant]

All

I currently have a day to day car, a mondeo, which I insure with a company with 1066 in the phone number. I also have a TVR S2 which has been off the road for about a year, but I still insure "just in case", and which I plan to get back on the road soon. No issues insuring that with RH at a sensible price

My friends and I have just bought a Puma to keep as a road legal track car. Insuring this is proving to be a nightmare.

I insured it for about £220 comprehensive (I'm 45 and have +9 years no claims on my normal policy). They asked for proof of no claims, so I sent them details of my existing policy.

They say this doesn't count, as my proof of no claims needs to be with the Puma (a bit tricky as I've only just bought it, otherwise they want to charge full price of almost £700.

I approached my current mondeo insurer to see if they could multi car it. They say they can't as I have an incident recorded in April (someone backed into my car at work, was fixed on their insurance, no fault of mine, no claim from me). The only policy they can offer is full price, £1200....

It just seems crazy that even though I have a claim free history, any additional car I buy has to be insured at zero no claims....it seems like it is virtually impossible to own, and sensibly insure, more than one car.

Any help or tips on how to sort this out appreciated..

Ant

[Bigcarper]

You can go to a comparison website but your find that your swop one problem for another they've got us all by the b******s

[Krikkit]

Try swiftcover for a multicar policy. Just done that for the Mrs - she has a Focus, bought her a Legacy as well. They mirrored her no-claims from the previous provider, and were only marginally more expensive than having two individual policies (each with the no claims).

[andy-xr]

Had the same problem running a Rover and an Escort, one was for day to day commuting, the other was an experiment to see whether I could buy the cheapest car on ebay with T+T and use it. Anyway, I rang around specialists for a limited miles policy for the Escrote and got it under £250 pa which seemed fair enough. Ones to check would be Footman James, Flux, A Plan and maybe a couple of the track car specialist/motorsport ones

I do agree with you that having a No Claims on one policy can be a bit of a ballache, but that seems to be the way it's done

[Steffan]

I currently own fifteen classic and kit cars. I use a combination of multi policies and individual to insure them. Live in a reasonable area and an V old and clean licence and 20 odd years no claims. Average premium for limited mileage comprehensive cover is just under £80 and some are quite exotic. Some come with any driver which does surprise me. There must be a reduced risk on some because I cannot drive fifteen cars. What are you paying currently?

[itz_baseline]

I have had this problem before as well and couldnt find a solution. I insured car A with full NCB but car 2 i had to start a new policy. The multicar places seemed to cost more to insure 2 cars than i was paying to insure on 2 seperate policies even with one on NCB. I am yet to see a multi-car policy come in cheaper for me than 2 seperate policies.

[LuS1fer]

Try Classicline - no NCB needed or earned.

[Steffan]

LuS1fer said:

Try Classicline - no NCB needed or earned.

Good advice I do think classic type policies with limited mileages are likey to better your current multi quote.

[Tant]

Thanks all.

Think I'm going to call RH (the TVR insurer) and see what they say

Steffan, currently I have, all comp policies:-

Mondeo 2.0 diesel, insured for business use as I sometimes use it at work. £320 annually.
TVR S2 with a few mods, limited to 3000 miles (I wish...), pay about £250 and also includes track cover.
Standard puma 1.7....was £220 with 2 other named drivers

Who is it you use?
cheers
Ant

[Phateuk]

I didn't realise this was how insurance worked until I bought a second car for the first time and tried to use my NCD twice. The best you can do is ensure that the NCD is used on the car which costs the most to insure (pretty obvious I know). I ended up on an admiral multicar policy which was the cheapest at the time (A3 TDI daily + clio 172 road legal track car), I swapped my NCD from the A3 to the 172 to save ~£70 off the combined premium.

In the end I swapped both cars for a Z4C - best of both worlds, and cheaper to run than two cars when counting insurance+VED+general running costs x2

[Steffan]

Tant said:

Thanks all.

Think I'm going to call RH (the TVR insurer) and see what they say

Steffan, currently I have, all comp policies:-

Mondeo 2.0 diesel, insured for business use as I sometimes use it at work. £320 annually.
TVR S2 with a few mods, limited to 3000 miles (I wish...), pay about £250 and also includes track cover.
Standard puma 1.7....was £220 with 2 other named drivers

Who is it you use?
cheers
Ant

Various Groupermam, Lancaster, 2gether, who use Lloyds underwriters, Crosby I always try to trawl the market and see what Gocompare and others can manage but the final price is usually currently around £80 per vehicle. I do also have motor traders insurance have had this for years. Better to be covered twice!

[RichwiththeS2000]

I've done this before with Sky Insurance - they duplicate your NCB so you can insure 2 cars through them both at the discounted rates. Worth a call.

[s_zigmond]

Try sureterm. They replicated my NCD to my Niva even though my main car wasn't with them

[blueg33]

I insure 4 cars with 2 drivers via Norton Insurance. They do not award no claims but will take into account and NCD you have when joining them. If you leave they will write a letter confirming the claim free years.

They are also pretty good value. It costs me £1200 to insure all 4 cars for business use

[mattdaniels]

I found this out with Admiral Multicar. You can't use the same NCD on more than one car, which is what I thought the point of having a multicar policy was. We are a two-car household and I could get different quotes for the policy depending on which the "primary" driver of each car was declared to be.

[LooneyTunes]

Krikkit said:

Try swiftcover for a multicar policy. Just done that for the Mrs - she has a Focus, bought her a Legacy as well. They mirrored her no-claims from the previous provider, and were only marginally more expensive than having two individual policies (each with the no claims).

If you do that, with say 3 years NCD, then take one or both cars out of the policy upon its renewal (so that you end up with two cars, each with 4 years NCD, insured in different places) ?

Curious as I plan to add another vehicle and have been wrangling with how best to insure it (depending on what I eventually go for it may not qualify for a specialist/classic policy).

[Denis O]

Forget multicar policies. How can 1 insurer be the cheapest for every car, every age, every post code etc, etc. It makes no sense. They'll suck you in and it takes ages to unravel once you realise it's not so cheap come renewal.

I added a car to the fleet recently and went to A-Plan (could be any broker) to see what they could do. Car was £127 with full NCB, £235 with no NCB and A-Plan were able to do £170. One of the current insurers said that mirror the NCB and got the premium to £201.

I'm sure these situations are where brokers are a good solution as they have a miriad of different products/insurers to choose from.

Worked for me and I found my local branch of A-Plan to be particularly helpful and efficient.

[J4CKO]

I went from two normal cars with NCD to the same plus my 944 on a classic policy, I thought I could only really inusre a classic cheaply as the NCD was used but was getting £300 quotes for S2000's, Boxsters, 350Z's and Z4's so decided to sell the 944, quote was £275 for the 350Z but put legal cover on it so £310, if I could have used my NCD it would have been £195, just paid £350 to renew the people carrier which seems bizarre but we discussed that the other day and put it down to claims record for MPV's and number of seats.

So, insure three cars for less than £900 for the year, however, eldest has his test this month.....

[blueg33]

Denis O said:

Forget multicar policies. How can 1 insurer be the cheapest for every car, every age, every post code etc, etc. It makes no sense. They'll suck you in and it takes ages to unravel once you realise it's not so cheap come renewal.

I added a car to the fleet recently and went to A-Plan (could be any broker) to see what they could do. Car was £127 with full NCB, £235 with no NCB and A-Plan were able to do £170. One of the current insurers said that mirror the NCB and got the premium to £201.

I'm sure these situations are where brokers are a good solution as they have a miriad of different products/insurers to choose from.

Worked for me and I found my local branch of A-Plan to be particularly helpful and efficient.

I diasagree. For my cars the best individual quotes are as follows

Audi A6 - £580
Subaru Outback - £420
Renault GTA Turbo - £235
Skoda Fabia £195

Total £1430

My multi-car policy is £1200 (prices are up todate as I renewed on 28th)

[KaraK]

mattdaniels said:

I found this out with Admiral Multicar. You can't use the same NCD on more than one car, which is what I thought the point of having a multicar policy was. We are a two-car household and I could get different quotes for the policy depending on which the "primary" driver of each car was declared to be.

Might be that you were having different drivers on the car - I'm with Admiral for my two cars and with just me on the policy and they happily duplicated my NCB across both when I asked.