Buying a second car as a run about - insurance ideas?

[neggs]

Hi Everyone,

Ive got an S2 as my main car, but could do with a second car as a run about (got the chance to pick my a bargin 98R Fiesta!). My elise insurance company (eSure) wont allow two cars on my policy, so I need to have a new policy for my run about.

Anyone know any insurance companies that will insurance the fiesta cheap, based on me having another car?

Cheers!

[sp60]

I know a few people on here do run two cars.
Currently I'm running a second car on the 3rd party cover provided by my main
policy. However this isn't good enough (apparently) to satisfy the insurance requirements for re-licensing the car. Only got a month to go so would be interested to find a good answer to this question.
Just FYI, you can't use the no claims for your existing policy when taking out a second policy on another car, which is a bit of a pain.

[james33]

I run a clasic merc as a 2nd car through Footman James, the Elise is through Elephant I was actually told that I could use my no claims from FJ very clever I thought cracked it that was until I was directed to the small print on the FJ docs where it states that you cannot build up your no claims on this particular policy.

[alltorque]

Direct Line do this - insured my 911 and Almera with them - they were by far the best quoters as well. Top company!

[sramdeen]

james33 said:

I run a clasic merc as a 2nd car through Footman James, the Elise is through Elephant I was actually told that I could use my no claims from FJ very clever I thought cracked it that was until I was directed to the small print on the FJ docs where it states that you cannot build up your no claims on this particular policy.

a few years back I insured my '73 Midget with FJ. After 2 years, I changed insurers and asked FJ for a letter to prove my 2 years' NCB. They told me that they didn't operate a NCB scheme (WTF?!!!). I'm not sure what all of this means, but they did write me a simple letter to say that I had not had a claim in 2 years and my new insurance company accepted this as proof of 2 years' NCB. Weird.

S

PS, I'm thinking of a cheap sub-£1000 renault clio for when I get my Elise. 3rd party only insurance should be quite cheap for a 1.1 or 1.4. I'd prefer a totally standard mk1 Golf which, I think, is a timeless classic, but they usually command 2k+ for ones in very good condition.

[james33]

sramdeen yeah after I took a very deep breath I asked FJ to supply said letter that you did, unfortunately Elephant did not accept it. FJs underwriters do not feel limited milage policies should attract NCF although I did point out that mine is on a 10000 a yr restriction not as if its 3000 is it. I did state that it doesnt matter what the milage is surely the fact is that I havent made a claim!
Its a bit of a insurance wheeze, I am dissapointed with FJ I should have got my magnifying glass out on the contract I just assumed....

[cheekymonkey]

got my lotus with heritage as main policy, got a granda estate for surfing and tescos which is with elephant. both cars were with elephant but moved lotus to heritage to get free track cover. elephant matched the NCB i had on my lotus for the granada policy but this was only really because at the time i had both vehichles with them - it could still be worth a blag tho

[Mr_C]

elephant also let you use your no claims from one policy (with them) on another one (with them) IIRC

[neggs]

Thanks for your replies!

Been shopping about and ive had a really cheap quote from "performancedirect". They seem to take into account your NCD (I have 8 years) from your other policy.

Tesco - £430

Performancedirect - £290

I'll keep shopping...

[ChriX]

Admiral do a Multicar policy which seems very cheap to me, I think it would depend on you being able to move your Elise insurance over to them as well though, but might be worth a look?