best insurer for multi car policy
Discussion
There is no one single answer to a "best insurer" type question. It depends on the individuals and the cars involved. I use Admiral Multicar, and saved 100 quid. Others have had AMC quotes that were 100+ what they were already paying. You just have to do the legwork and get some quotes for your own situation.
Just got an excellent quote from Norton, and a good one from Primo
My cars
TVR Tuscan (exhaust mod) 1 year NCB
Audi A6 3.0tdi 4 year NCB
Subaru Outback 9 Years NCB
Me 46, 9 points all SP30's Only 3 count for totting up now, 1 own fault accident no 3rd party involved, 2 x third party hit me
Wife 45, no points, no accidents
All 3 cars insured for me for business. TVR garaged, others on the drive
£1400 including breakdown cover from Norton
£1600 Primo
£2500 Admiral
Natwest - special deal for a customer £2200 on just the Audi!
My cars
TVR Tuscan (exhaust mod) 1 year NCB
Audi A6 3.0tdi 4 year NCB
Subaru Outback 9 Years NCB
Me 46, 9 points all SP30's Only 3 count for totting up now, 1 own fault accident no 3rd party involved, 2 x third party hit me
Wife 45, no points, no accidents
All 3 cars insured for me for business. TVR garaged, others on the drive
£1400 including breakdown cover from Norton
£1600 Primo
£2500 Admiral
Natwest - special deal for a customer £2200 on just the Audi!
UH-Matt said:
any downside to multicar?
Me and my girlfriend both have our own no claims... do we both keep (and add years to them) even if our cars go under a multi car policy together...
Anything else to consider?
I don't know about other policies - but with Chaucer, although I need to provide proof of my NCD - it is not an NCD based policy. Hence, technically - in 2 years I lose my bonus.Me and my girlfriend both have our own no claims... do we both keep (and add years to them) even if our cars go under a multi car policy together...
Anything else to consider?
However, I checked on another forum and there are several people who've had these policies and then switched back to standard - and simply get a letter from Chaucer saying : Client X had <y> years NCD when he started insurance with us, and was claim free in <z> years.
Only problem being, because it's not NCD based, there is no concept of protected NCD - so any accident will reduce your claim free years.
franki68 said:
value wise ?
thanks
Depends on whether you want value for money, or cheap thanks
Chubb, AON and Hagerty have all offered policies and service that worked out better in the long run than the slightly cheaper options . . . . . . . Direct Line however are most definitely a company that should be avoided at all cost!
UH-Matt said:
any downside to multicar?
Me and my girlfriend both have our own no claims... do we both keep (and add years to them) even if our cars go under a multi car policy together...
Anything else to consider?
Depends on the insurer, on Admiral multicar your NCB is separate to the other policyholders i.e. If you have a claim it won't affect your girlfriends NCB.Me and my girlfriend both have our own no claims... do we both keep (and add years to them) even if our cars go under a multi car policy together...
Anything else to consider?
If you then eventually cancel the policy you both receive separate proofs of NCB.
AndrewW-G said:
Depends on whether you want value for money, or cheap
Chubb, AON and Hagerty have all offered policies and service that worked out better in the long run than the slightly cheaper options . . . . . . . Direct Line however are most definitely a company that should be avoided at all cost!
why avoid directline ?Chubb, AON and Hagerty have all offered policies and service that worked out better in the long run than the slightly cheaper options . . . . . . . Direct Line however are most definitely a company that should be avoided at all cost!
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