2nd Car insurance advice
Discussion
Hi all, I was hoping for some advice.
I get the train into work (it takes 12 minutes instead 60+ minutes sitting in traffic). However, the car park near the station is a bit dodgy and my car has already been keyed once (bar-stewards).
I'm therefore looking at a second car, a complete snotter (£500-1000 budget) which I'll purely use to drive me the 2 miles to the station each day. There seems to be plenty of choice for reliable cars in that range (if you pick wisely) but the problem I'm having is insurance. I'm getting quotes over over £1400 which seems insane. My 911 way is cheaper to insure than that, so I'm really struggling to understand why the quotes are that high on an cheap old car which I'll barely be using.
I'm 32 years old, have no existing fines or claims, so I can't understand why it's so high.
Has anyone else been in a similar situation? Is there anything I can do to lower the price?
My guess is that it's due to me having no no claims on the second car. Would it be cheaper (and legal) if the car was listed in my dad's name and used his no-claims to insure it, but I was listed as the primary driver?
Any advice would be appreicated!
I get the train into work (it takes 12 minutes instead 60+ minutes sitting in traffic). However, the car park near the station is a bit dodgy and my car has already been keyed once (bar-stewards).
I'm therefore looking at a second car, a complete snotter (£500-1000 budget) which I'll purely use to drive me the 2 miles to the station each day. There seems to be plenty of choice for reliable cars in that range (if you pick wisely) but the problem I'm having is insurance. I'm getting quotes over over £1400 which seems insane. My 911 way is cheaper to insure than that, so I'm really struggling to understand why the quotes are that high on an cheap old car which I'll barely be using.
I'm 32 years old, have no existing fines or claims, so I can't understand why it's so high.
Has anyone else been in a similar situation? Is there anything I can do to lower the price?
My guess is that it's due to me having no no claims on the second car. Would it be cheaper (and legal) if the car was listed in my dad's name and used his no-claims to insure it, but I was listed as the primary driver?
Any advice would be appreicated!
Thanks for the replies. I'll try adjusting the car to bring the price down, but to be honest I was expecting around £500 max to insure anyway, so I suspect a different car isn't going to bring it down that much.
I'm insured with Admiral currently, so it's their multicar policy I'm trying - I've called back to query something and they've now doubled the price to insure the Focus and increased the quote for my 911 by £700 - all in 10 minutes, and can offer no justification why. Well done Admiral, I suspect you've lost yourself a customer.
It's good news that some places may match my NCB. I guess I'll have to hit the phones. I just can't fathom why it's so high - I mean I can only drive one of the cars at once. Crazy.
I'm insured with Admiral currently, so it's their multicar policy I'm trying - I've called back to query something and they've now doubled the price to insure the Focus and increased the quote for my 911 by £700 - all in 10 minutes, and can offer no justification why. Well done Admiral, I suspect you've lost yourself a customer.
It's good news that some places may match my NCB. I guess I'll have to hit the phones. I just can't fathom why it's so high - I mean I can only drive one of the cars at once. Crazy.
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