Multicar insurance, what a f****** joke

Multicar insurance, what a f****** joke

Author
Discussion

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
aholes the lot of them frown

I just bought a small diesel runabout to go to work in etc. Went on the phone to my insurers to get a quote for it; Clio 1.5 Dci. "We don't do multicar insurance, the best we can do is quote you on a new policy with an intoductory 3 year NCD".

"Fine" I says. Gimme the quote (waits 5 minutes). Quote is £324 FC for a year.

"Go take a flying f*** to yourself" was my response mad

On to the so called experts in this, Admiral....

Online quote, go through the pallaver, get 2 separate quotes bundles into a supposed multicar deal, as follows:

Subaru Forester 2.5 XT with 17 years NCD = £271 fc,

Renault Clio 1.5 Dci with 0 years NCD = £327,

Add the 2 together and the multicar quote was £598.

GTF outa here you robbing bds!!!!!!!!! I can only drive one of these cars at a time. I told you both are in the driveway, ergo when I am in one, the other is safely tucked up in my driveway.

Oh ffs frown

I can't even see a way around this. My wife doesn't drive; I considered making her the registered keeper and driving the Clio on 3rd party with my Subaru insurance. But when it comes time to tax the Clio I'm stuffed, because there won't be an insurance certificate....

bks, it's all bks frown

S1_RS

782 posts

181 months

Saturday 23rd July 2011
quotequote all
Something wrong there. We recently added a Volvo S70 as a third car to our Admiral Multicar. They matched the NCB I have on my V70 so it was only 200 extra.

alephnull

349 posts

157 months

Saturday 23rd July 2011
quotequote all
Sorry I dont see the problem...Thats really cheap insurance? I'm happy with anything under a grand.

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
alephnull said:
Sorry I dont see the problem...Thats really cheap insurance? I'm happy with anything under a grand.
Mate, I would spend a grand on a pushbike before I'd spend it on motor insurance wink

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
S1_RS said:
Something wrong there. We recently added a Volvo S70 as a third car to our Admiral Multicar. They matched the NCB I have on my V70 so it was only 200 extra.
I'll phone them tomorrow, better than automated web page.

Durzel

11,485 posts

150 months

Saturday 23rd July 2011
quotequote all
"Safely tucked up on the driveway", immune to all vandalism and theft.

MartyPubes

900 posts

141 months

Saturday 23rd July 2011
quotequote all
Durzel said:
"Safely tucked up on the driveway", immune to all vandalism and theft.
You're right of course, and in general I accept the line that insurers haven't made a profit on motor insurance since the dinosaurs etc etc. But having recently tried to get a multicar policy going myself, I was left with the impression that it's just a well advertised con. It's no cheaper than insuring the two cars separately, and the whole NCB on a policy thing becomes a bit ridiculous when applied to one person owning two vehicles.

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
Durzel said:
"Safely tucked up on the driveway", immune to all vandalism and theft.
Well that's another argument altogether, maybe one I shouldn't have used as an example.

My gripe is with the whole ploy of making out that multicar insurance is any better than, say, me keeping my current insurance and going to any other insurer in the land and finding a policy for the Clio.

Because it isn't.

Lambo FirstBlood

880 posts

161 months

Saturday 23rd July 2011
quotequote all
LMC said:
Well that's another argument altogether, maybe one I shouldn't have used as an example.

My gripe is with the whole ploy of making out that multicar insurance is any better than, say, me keeping my current insurance and going to any other insurer in the land and finding a policy for the Clio.

Because it isn't.
It's a con. There's is as far as I know, no such thing as 'multi-car' insurance. It's marketing spin. I have a number of cars insured with the same company but pay different premiums for each one. NCB is relevant to the driver not the car so makes no difference. The only difference is my provider calls it what it is and others advertise 'multi-car' so you insure more than one car. Now I do get a discount for having a number of cars insured with one provider, but that's pretty standard fare for all companies.

Shop around mate. Good luck

Steffan

10,362 posts

210 months

Saturday 23rd July 2011
quotequote all
Big problem with driving uninsured cars are that they show as such if the police check them so you get a pull.

Really a lot easier with Plod as they are on checking insurance to insure each car individually so they are shown as insured on the database.

With the fiddles that have been going on with fake crashes and ambulance chasers pushing very questionable PI claims car insurance is bound to cost more.

In agree with other posts I think the quotes are not excessive.

I also understand that any cost increase is unwelcome but the consumer will pay in the end for the frauds.

As we now are.


Y282

20,566 posts

154 months

Saturday 23rd July 2011
quotequote all
bike insurance is the same. i have 3 different bikes on 3 different policies. worked ou t significantly cheaper than multipolicy. i am a bit old tho.

andyjo1982

4,903 posts

192 months

Saturday 23rd July 2011
quotequote all
OP, have you had any claims or points, because that may mean your insurers cant mirror your ncb or give you an introductory discount.

Also if you've had 2 similar prices, then you're probably looking at the market rate for that sort of car and risk.

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
andyjo1982 said:
OP, have you had any claims or points, because that may mean your insurers cant mirror your ncb or give you an introductory discount.

Also if you've had 2 similar prices, then you're probably looking at the market rate for that sort of car and risk.
My current insurer Esure, did quote me the £300 odd, and that was with a supposed 3 years introductory ncd. Inroductory, I ask you, I've been with them for years...

I've got 3 points for a SP30, that's all.

In desperation, I'm looking at other insurers websites just now. Budget quoted me £519 for 3rd party only. It just gets better....

Zoki

382 posts

195 months

Saturday 23rd July 2011
quotequote all
How old are you??

I'd kill for anything near £600 for one car let alone two!

sjj84

2,387 posts

201 months

Saturday 23rd July 2011
quotequote all
LMC said:
I can't even see a way around this. My wife doesn't drive; I considered making her the registered keeper and driving the Clio on 3rd party with my Subaru insurance. But when it comes time to tax the Clio I'm stuffed, because there won't be an insurance certificate....

bks, it's all bks frown
You might want to check the small print of your Subaru insurance, I think you'll find the third party cover for driving other vehicles stipulates that the other vehicle must be insured in it's own right. That's certainly the case with mine, both car and bike.

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
sjj84 said:
You might want to check the small print of your Subaru insurance, I think you'll find the third party cover for driving other vehicles stipulates that the other vehicle must be insured in it's own right. That's certainly the case with mine, both car and bike.
Yeah I'm pretty sure they'd have that little loop-hole secured by now smile

LMC

Original Poster:

918 posts

195 months

Saturday 23rd July 2011
quotequote all
Zoki said:
How old are you??

I'd kill for anything near £600 for one car let alone two!
I'm very old indeed.

If I wait until September I'll be able to get a quote from Saga getmecoat

LMC

Original Poster:

918 posts

195 months

Monday 1st August 2011
quotequote all
Update:

Phoned Adrian Flux just now, and got FC on the Clio for £224, which was 50 quid cheaper than they quoted on moneysupermarket smile

All in all, I'm a happy bunny now, given what all the other robbing shytes were asking.

Graham at Flux Direct, you're a nice man. A very very nice man biggrin

Mr Whippy

26,131 posts

223 months

Monday 1st August 2011
quotequote all
It's all a big stupid pile of stty st.

I've got 5yrs NCB and don't know what to do with them as I have an MTP. So what do you do with them? Insure the sttiest crappy car and leave it locked in a garage doing 2000 miles a year... just to protect the NCB.

Despite being insured elsewhere, which proves you drive and haven't crashed. But then if you DO claim on the other insurance, then the NCB on the other still applies, but you have had an accident.


Why can't they just insure a PERSON, who has NCB attached to THEM, and then have limits on the car values/types (insurance group), and leave it at that?

Dave

roachcoach

3,975 posts

137 months

Monday 1st August 2011
quotequote all
Lambo FirstBlood said:
NCB is relevant to the driver not the car so makes no difference.
Ish, you can only apply your NCD to one car at a time.

I've got 10 years odds, but I can only 'apply' that to one of my cars.



So called 'multi-car' options were utter garbage when I looked into it.