Insurance of second / toy car

[Jeremy-75qq8]

I have a Cayenne and have just got an allocation for June delivery of a 911 cabriolet.

I gather you can only use no claims on one car at a time ( seems to bear no logic to be but there you go ).

What is the most economic way of insuring both cars where one is a daily driver and the other a toy ?

I am sure many on here have this first world problem and I would appreciate the benefit of others experiences.

Thank you

[Heartworm]

A lot of insurers will mirror your NCB from your main car,

[jackwood]

I had multiple cars for a while and built up several lots of NCD on them. But reduced the number of cars for a couple of years and the NCD lapsed. I added another car last year and had no NCD to use on it.

My insurer, NFU, gave me a 5 year NCD on the new policy as an “introductionary” offer, which equates to 65% discount. Their max NCD is 7 years which is 67 or 68% discount.

If you keep the policy for a year, you can use it to move to another insurer etc.

[johnnyBv8]

My 'second car' NCD had lapsed. I ran the insurance quote with no NCD at all, and was surprised how little difference it made....I think driving history questions compensates for lack of NCD, or perhaps insurers check what other NCD you have. Worth running a comparison with no NCD.

[Cheib]

If you insure with someone like Hiscox or Chubb they don’t look at NCD…generally get a policy with better cover but will obviously be more expense. Hiscox, for example, includes two years of Gap/Return to invoice on new cars. Both will cover multiple cars with different mileages etc on the same policy.

[G-996]

I’ve insured my 996 for 10 years now with various mainstream insurers. As it was a second car I started with no NCD, but it’s made zero impact to price as NCD has racked up.

[S600BSB]

G-996 said:

I’ve insured my 996 for 10 years now with various mainstream insurers. As it was a second car I started with no NCD, but it’s made zero impact to price as NCD has racked up.

Agree. I now have 4 cars on a multi car policy.