Insurance - hypothetical access to second car.

[shed driver]

A hypothetical question, it's strange what the brain does at 3am.

My car insurance provides for a hire car if mine is off the road due to accident or loss. In order to reduce costs would my insurance company say *you have another car, you don't need a hire car".

Just to complicate matters my second car is a classic on a restricted mileage, not usually insured for commuting or business. And with it being British from the 70s it's allergic to cold, wet and salt.

Like I say, it's all hypothetical.

SD.

[Dashnine]

I think they’re unlikely too, but I’ve just posted this in another thread as I’m in the same situation albeit with an mid 2000s second car:

Given hire costs are extortionate, if I don’t need a hire car (as I have another car I can use), are there policies that don’t offer a hire car, or where it can be removed - in exchange for a significantly cheaper policy?

It seem the hire car cover is provided at the general policy holders expense purely for everyone else to make money on.

[loskie]

no they won't

but as an aside to that.

A few years ago my second car (Forester) was hit and off road. I declined the offered hire car and the bodyshop guy told me I could get £24 (i think) day in lieu of unwanted hire car which I did.

This was from a claim direct off the other drivers insurance though so maybe not relevant.

[sixor8]

I do comparison insurance quotes frequently. I've not noticed a smaller premium for no hire car, it's standard on all policies, as a duty of care I expect. However, I've seen the option of an equivalent car to the one insured rather than a basic one, which costs more, of course.

[mcflurry]

Based on my sample size of 1, the policy price made no appreciable difference with or without a hire car.

However, the last 2 companies offered a default choice of an FSO Polenez or a Datsun Cherry, unless you paid an extra £10-£20 on top of the basic policy price..