Multi car insurance, is Admiral the only option?

[Mark300zx]

Currently have a Cupra 280 and R8 V!0 with them and the renewal has come through at £880, although it's not a bad quote are there other reasonable players in the market?

[Silenoz]

Aviva do muticar polcies

[spikeyhead]

I used to find that Admiral were cheap for the first year, then the second year it was cheaper to insure them separately using other companies.

[skullandbiscuits]

Axa

[Lotobear]

I've got wifeys TT, my A4 Allroad and my Elise 111s with L&V on a single policy.

£401 p.a

[worldwidewebs]

NFU Mutual. Easy to deal with too

[530dTPhil]

worldwidewebs said:

NFU Mutual. Easy to deal with too

Another vote for NFU. We have the house insurance with them and they provided £20k cover for tools in the workshop at no extra cost.

They kept pushing to quote for the cars and we have been with them for over five years now. The service is excellent with no charge for vehicle changes, plate changes or anything else.

The premium is around £3,000 for seven vehicles with four drivers. Included are an R8, Range Rover Sport, a Defender and a 540i. Comprehensive cover for driving other vehicles is included.
Premium is paid monthly for no additional charge.

About £80 increase last year when many PHers were complaining about big annual increases.

Previously with LV but they charged for any changes as do Admiral and probably other.

Edited by 530dTPhil on Tuesday 13th December 20:40

[Pica-Pica]

We were with NFU mutual for a few years (they have some useful add-ons, like GAP insurance for up to two year-old cars, and break-down, baked in). Last year we moved to LV= with separate policies. This year the price went up by a fair chunk. We searched, and finally ended up going to LV= again, but via a multi-car policy, at a much cheaper overall cost.

[Double Fault]

LV as well

[craig1912]

Switched last year from Aviva to LV

[cheesejunkie]

I’m not a fan of bundled policies as I think they create lock in and make it harder to switch. They’re better for the company than the consumer.

Your mileage may vary and each to their own. Just a viewpoint.

[stevemcs]

LV for us

[tight fart]

I had a Tradex policy, they covered any number of vehicles upto a certain value.
I think mine was £50k and I had 5/6 vehicles some with trade and spouse use.
I’d say they were good although I never had a claim in the years I was with them. It cost around £1200 a year.

[SteveR1979]

Seriously

Avoid Admiral

Their reputation is marginally above that of dog st.

[Second Best]

I have all my cars insured via Adrian Flux, they've done me decent this time round. They were marginally cheaper than the competition two years ago; last year and this year they've been within £15 of the cheapest quotes (from Admiral and such). I value my time and the hassle of faffing around at more than £15 so I've been happy to renew.

YMMV of course.

[CraigyMc]

SteveR1979 said:

Seriously

Avoid Admiral

Their reputation is marginally above that of dog st.

Not a shill for admiral and they aren't my insurer at the moment but when an uninsured van driver drove into the side of my car on a roundabou a few years ago they sorted it all out and when they closed the case with him 2 years later (finding him uninsured) they gave me my excess back and refunded the differential between old and new NCD for the years affected.

I was surprised by them really. Not bad. Ymmv though, I only have my own example.

[QJumper]

CraigyMc said:

SteveR1979 said:

Seriously

Avoid Admiral

Their reputation is marginally above that of dog st.

Not a shill for admiral and they aren't my insurer at the moment but when an uninsured van driver drove into the side of my car on a roundabou a few years ago they sorted it all out and when they closed the case with him 2 years later (finding him uninsured) they gave me my excess back and refunded the differential between old and new NCD for the years affected.

I was surprised by them really. Not bad. Ymmv though, I only have my own example.

Same here.

I had two accidents while with Admiral, one the other driver's fault and one mine. Both were sorted out painlessly, and neither resulted in a premium increase.

[anonymous-user]

SteveR1979 said:

Seriously

Avoid Admiral

Their reputation is marginally above that of dog st.

Seriously, consider them

I bundled 2 cars when renewing home insurance. Each car added knocked £50 off of the already competitive home price.
As the cars insurance expiry were way apart, they gave renewal price to kick in. Pro rata cheaper than the rest.

The one drawback, house & 2 cars all renew on the same date! But i’m old, all 3 will be under £500 for the year. I’ll still do a price comparison near renewal & will switch if better options available.

I always compare & switch if a decent saving is offered elsewhere. Don’t give them the option to undercut if they have taken the P.

[Deranged Rover]

Been happy with Admiral so far - when I bought my second car I wanted the two to be on a multi-car policy simply for ease. That said, I've had no cause to call upon them for any disasters as yet...

Sadly, I've used both Direct Line and LV on and off for over 30 years and would have been happy to go with either for this, but both said no as car number 2 is over 25 years old.

As an aside - how does No Claims Bonus work if you insure two cars with two separate companies? I always understood you can only use it on one policy so surely that means one car will be very reasonable if you have a full NCB (which I do) but the other will be expensive as you cannot apply any NCB discount to it? Or am I missing something?

[ChasW]

I have stuck with Aviva for a few years now. Their site is really easy to use. I used to be with Admiral but found the taking out the policy more painful. At the end of the day it's how the claims process works that matters. In this regard Admiral were very good as were Tesco Bank when I handled my daughter's claim.