Insuring 3 Cars Between 2 People

[Urban Sports]

Hi

I'm looking to buy a 3rd car as a weekend toy, I currently have a car and my Wife has her own.

I was under the impression that one set of no claims could only be used for one car, therefore the new car would effectively be insured with no no claims as my BMW has my set of no claims on it and my Wifes car has hers.

We only really need one sensible car as we work together so I was going to get rid of hers taking us back down to 2 cars but She has started to kick up a fuss.

She mentioned something ridiculous like wanting to keep her car ... or something similar

Is a multi car policy my only avenue? There doesn't seem to be too many providers and the quotes I got seemed expensive.

[V88Dicky]

My wife and I drive three cars between us also.

I've used Admiral for the last few years and they've been pretty good tbh.

About £850 all in (one car is a limited mileage policy).

Jag S-type/Fiesta/Monaro btw.

[varsas]

Get the 'toy' insured as a cherished second car (sort of like a classic policy) try Peter Best. It might need to be garaged (depends what it is), will be limited mileage and you will need a 'first' car for everyday.

[Urban Sports]

varsas said:

Get the 'toy' insured as a cherished second car (sort of like a classic policy) try Peter Best. It might need to be garaged (depends what it is), will be limited mileage and you will need a 'first' car for everyday.

It's an Elise, it will be garaged and will do around 4000pa

[xPOW]

try speaking to the Private Clients department in Adrian Flux. They do all our cars under one policy so they all start the same time to save paperwork - and money!

not exactly sure how it works, but I assume they put the NCB on the most expensive car, but then look at it favourably for the others too as they'd be insuring more cars. Pretty sensible given you can presumably only be driving one car at any one point.

[Sideways Tim]

Swift were willing to 'mirror' the NCD we had on another car. It did involve switching both policies to them, but both were cheaper in the long run. They were unbeatable at renewal time too.

[tim-b]

Urban Sports said:

varsas said:

Get the 'toy' insured as a cherished second car (sort of like a classic policy) try Peter Best. It might need to be garaged (depends what it is), will be limited mileage and you will need a 'first' car for everyday.

It's an Elise, it will be garaged and will do around 4000pa

Try CCI (Competition Car Insurance(?)), I got a great quote for an Elise (similar deal to the one that Varsas mentioned), limited mileage, will mirror your NCB and also included 4 track-days. IIRC only condition is that it's a 2nd car.

[Urban Sports]

Cheers chaps