Experiences with insuring two cars

[Flying machine]

How do the admiral multicar or similar policies stack up? Have you found them better than two individual policies - for my wife and I, both mid thirties, I've got max no claims, her a few years. No points or claims

Obviously I'll get quotes for both but I just wanted to see what the general experience of these was, any others apart from admiral that do similar?

[miniman]

All you can do is to get quotes from both types of insurance every time, sadly. Up until this year, Admiral multicar was a great deal for me. Then for some reason the premium this year went through the roof and I got a significantly better deal with two separate policies.

[anonymous-user]

We have a 2 car policy with Admiral and TBH it's only slightly cheaper than insuring the cars separately. Come renewal time this year I had to threaten to leave and in response they matched the cheapest quote for insuring them individually. Trouble is you can only apply NCD against one vehicle (we have 3 between 2 of us) so try the different combinations when shopping around.

[kwk]

wormus said:

Trouble is you can only apply NCD against one vehicle (we have 3

Is that only with admiral? We have 3 cars, 2 with the same company who mirror the NCD onto the second vehicle. Both have protected no claims.

[shambolic]

I was cheaper on two separate policies rather than Admiral although couldn't get no claims on new car. I was given 3 yrs as a sweetener as I was already a customer (Esure)

[Flying machine]

kwk said:

wormus said:

Trouble is you can only apply NCD against one vehicle (we have 3

Is that only with admiral? We have 3 cars, 2 with the same company who mirror the NCD onto the second vehicle. Both have protected no claims.

Who is that with? Which companies will mirror ncb?

[kwk]

Those 2 are insured with Frizzel. A Volvo C70 and a Volvo S70. I think others also mirror NCD.

[slimtater]

Flying machine said:

Who is that with? Which companies will mirror ncb?

Try Henderson Taylor - speak to Matt as I pay a total of £700 for the M3 and TVR.

[OldSkoolRS]

I just did the mirroring thing with Swiftcover: My OH had her Mini insured through them and I wanted to insure my weekend Z3, but I'm a company car driver with zero no claims. They have me insured on the Z3 as the main driver and owner but uses her no claims on both policies. The only issue is if I claim, it's her no claims that goes. It ended up under £300 for 8,000 miles a year, which I thought isn't bad for a 3 litre.

[miniman]

Flying machine said:

kwk said:

wormus said:

Trouble is you can only apply NCD against one vehicle (we have 3

Is that only with admiral? We have 3 cars, 2 with the same company who mirror the NCD onto the second vehicle. Both have protected no claims.

Who is that with? Which companies will mirror ncb?

Admiral certainly will. As will Flux. Actually pretty much anyone non mainstream I've spoken to will.

[Fleckers]

currently using LV

they seem OK

both accidents were sorted out very quickly

prices are currently best as well

[Flying machine]

Thanks!

Just tried the admiral multicar quote - quite a bit more expensive than 2 individual quotes, madness!!

[andyps]

We have a multi car policy with Admiral, my wife went with them first and when my renewal came up last year they gave me a great quote and then a further 10% discount for putting the two together on the multi car. When my daughter needed to renew her insurance she joined the policy and there was another discount. Best came more recently though, having changed my car but not sold the previous one (Fiat Coupe 20VT) I rang Admiral for a quote, they said it could be added to the policy and my no claims bonus could be applied to it. For the 7 months remaining on the policy they said it would be just over £100 but there might be some discounts, came back a minute later and said that the premium to insure it for the 7 months would be £28, did I want to go ahead! Bit of a no brainer really, just hope things don't change by August.

[Blue Oval84]

I'm on my parent's Admiral multi-car (don't live there anymore either and they know that) and it works out really cheap.

They even mirrored my NCB when I started up with them as it was already in use on another car/policy (and it still is in use on the other car, the mirroring has continued )

[B'stard Child]

Flying machine said:

Thanks!

Just tried the admiral multicar quote - quite a bit more expensive than 2 individual quotes, madness!!

My findings too

I ended up insuring two non classics on separate policies and starting one on a new policy with zero NCB and no mirroring

Still cheaper than Admiral multicar - madness

[keith9849]

I thought Admiral was a con. The other thing is seperate insurance helps to spread your insurance to renewals at different times of the year, and you still find that specilaist companies give better cover to different cars and drivers of different age.

[Ullevi]

keith9849 said:

I thought Admiral was a con. The other thing is seperate insurance helps to spread your insurance to renewals at different times of the year, and you still find that specilaist companies give better cover to different cars and drivers of different age.

Admiral have not been a con for me.

Had 3 cars in the household on separate policies, and got a much better quote from Admiral last year.

They were really excellent when I had to claim last year, and this year's quote was excellent inspite of the claim.

So Admiral have my business again this year.

OP, the only way you'll know if a multicar policy will be worth your while is by getting a quote. All I can say is that my experience has been positive.

[jules_s]

When I was insuring my runabout (leaving the mo claims on the vx) I found Tescos have a button on their on line application form which reads 'do you have another car with no claims allocated to it?'

So even though I had zero no claims available they dropped the policy by about 100 anyway.

[ghamer]

keith9849 said:

I thought Admiral was a con. The other thing is seperate insurance helps to spread your insurance to renewals at different times of the year, and you still find that specilaist companies give better cover to different cars and drivers of different age.

This!

[McSam]

A con? Really?