Insuring a second car (cheap runabout)

[PistonReg]

I've got full NCB on my main car and want to buy a second "builders car" for about £500.

How do you folks insure a second car cheaply? I've been quoted £800 by a broker as I have no NCB for that car. My 330 Coupe is only £280 - madness!

[plasticpig]

Classic insurance is one way. Get a Volvo 240 estate for example and you will be able to insure it as a classic. A Mercedes W124 TE Estate would also do.

[jet_noise]

Dear PistonReg,

what sort of insurance, is it commercial use?

regards,
Jet

[GT03ROB]

Find a company that will mirror your NCB from one car to the other or go classic or find a company that will credit you with a NCB just because you have one on another. I have 4 cars insured & use each of the above techniques!

[NiceCupOfTea]

plasticpig said:

Classic insurance is one way. Get a Volvo 240 estate for example and you will be able to insure it as a classic. A Mercedes W124 TE Estate would also do.

Often dependant on it being garaged / limited mileage / not used for business use.

[plasticpig]

NiceCupOfTea said:

plasticpig said:

Classic insurance is one way. Get a Volvo 240 estate for example and you will be able to insure it as a classic. A Mercedes W124 TE Estate would also do.

Often dependant on it being garaged / limited mileage / not used for business use.

My Scimitar is insured to be parked on the road, 7500 miles and for business use on a classic policy. I guess it depends on how many miles he needs to do.

[DemonDesign]

i use the direct line multicar found it cheapest for me

[PistonReg]

Thanks for all the posts guys - really helpful!

It'll be very low mileage, about 1000. Not business use, just the sort of heavy and dirty work I don't want to do in my main car - skip runs etc.

I'll try speaking to another broker and seeing of they have an insurer who will mirror my current NCB.

Regarding classic insurance, I'm looking at cars between 95 and about 98.... Would anything past a certain age qualify for this sort of insurance, or does it need to be a particular type of car, like the Volvo mentioned?

[thebigmacmoomin]

When I had 2 cars, I just insured both cars on one policy. That was with Norwich Union at the time. I had bought my new car privately & still had my old car to sell & wanted to be able to drive both. So just paid extra to have 2 cars on 1 policy.

[theironduke]

I use my NCB on the daily (MX5) and my toy (928) is on a classic policy which doesn't require NCB, it's done on driving history...but it's a limited mileage policy and has the caveat of garaging etc....but its £200 for a 300 horse power beastie!!! Musn't grumble!

[MikeTiger]

Just insured second car. Policy with NFU, they gave me the same discount (60%)on second car. Their reasoning that I could not drive both cars at once !
Only wife and myself on policy and wife has her car with them as well - so cant complain.

[NiceCupOfTea]

plasticpig said:

NiceCupOfTea said:

plasticpig said:

Classic insurance is one way. Get a Volvo 240 estate for example and you will be able to insure it as a classic. A Mercedes W124 TE Estate would also do.

Often dependant on it being garaged / limited mileage / not used for business use.

My Scimitar is insured to be parked on the road, 7500 miles and for business use on a classic policy. I guess it depends on how many miles he needs to do.

Who's that with?

[MattyB_]

I had the same issue. Age 23, Elise S160, value £15k = £1300 FC. Bought a Mk1 Golf GTi, value £1500, TPF&T insurance quote = £1500. Thats Direct Line for you, who wouldn't mirror my NCB despite them having a record of it on my other car.

More than happy to mirror my f**king 3points for speeding though, weren't they?

But classic policies are the future. I got the Golf covered for £200 in the end, although the only downside is you can't get business cover, so I couldn't use it for the occasional work run.

[plasticpig]

NiceCupOfTea said:

plasticpig said:

NiceCupOfTea said:

plasticpig said:

Classic insurance is one way. Get a Volvo 240 estate for example and you will be able to insure it as a classic. A Mercedes W124 TE Estate would also do.

Often dependant on it being garaged / limited mileage / not used for business use.

My Scimitar is insured to be parked on the road, 7500 miles and for business use on a classic policy. I guess it depends on how many miles he needs to do.

Who's that with?

The insurer is KGM. The policy is through ClassicLine.

[S3_Graham]

MattyB_ said:

I had the same issue. Age 23, Elise S160, value £15k = £1300 FC. Bought a Mk1 Golf GTi, value £1500, TPF&T insurance quote = £1500. Thats Direct Line for you, who wouldn't mirror my NCB despite them having a record of it on my other car.

More than happy to mirror my f**king 3points for speeding though, weren't they?

But classic policies are the future. I got the Golf covered for £200 in the end, although the only downside is you can't get business cover, so I couldn't use it for the occasional work run.

i had the same trouble. Insured my S3 Fully comp for £500 then bought my £200 E30 325 sport and they wanted £1600.. robbing bastids!

[eltax91]

Call Adrian Flux and mention PistonHeads. Tell them your situation and ask them to apply a sensible no claims. I've just bought my first off-road landy, I'm 27, live in a decent post code and no NCB to carry over. On a limited usage, 5k miles p.a. I paid £235.