two cars - one driver - insurance

Dave H nearly made me spill my Shiraz on 03/06/2006 13:25 by writing:

Many of the specialist insurers will take your NCB on your main vehicle into account - even though it's not a NCB on the second vehicle as such, it will still reduce the premium

Andy

In which case I would be looking for another broker if he cannot get you a second car deal which takes into account your NCB and is reduced as the second car will get inevitably much lower annual mileage. If you go to another broker/insurer he will want to see evidence of your insurance history i.e. NCB I'd try an online quote then get your original broker an audition at the Comedy Store as he seems to be a joker. scroll down a bit

I should have introduced you and then theres more discounts all round where did I put those postcards? Derek

Hmm, well Sureterm didn't seem to want to help me out.

I'll keep searching :) Cheers Dave

That's the strange thing - to me both cars can't be on the road at the same time, both cars will have lower annual mileage - Broker is Sureterm I'll have to do some searching around.

Was aware of the directline deal - I'll keep that and this reply in mind :)

I really dont think that insurance quotes are real any more - partner had a P reg micra change it to a 55 reg micra change in insurance £17 !!! Looked at a 54 crysler crossfire (3.2 V6) grp 19 - quoted £750 - £2,500, looked at a 06 mg tf (1.6i) grp 12 £750 + £850 excess - £5,000

There's something very wrong with the world of vehicle insurance !!!

Dave

All my extra motors are on collectors/classic car policies. Mostly with limited mileage. I just have one proper insurance policy running on one of them which has my NCB on and is needed as the collectors/classic ones all have to be 'second' cars.

A lot of the premium will depend on your circumstances - age (mainly) and postcode - not to mention your driving history. You must be high risk, my P38 only cost me £260 to insure fully comp. I'm 31 in a fairly high risk area. Even a few years ago when I were younger(!) insuring a '99 BMW M5 was 'only' £1800 in London.

Have a search around - insurance can vary widely between both brokers (even with the same underwriter) and with the insurance companies directly.

Matt

Try Admiral.com - they do Multicar, which as the name suggests is for 2 or more cars per household.

__ Thanks, Paul.

On or around Sat, 3 Jun 2006 13:25:42 +0100, "Dave H" enlightened us thusly:

I have 2 on one policy sort of somehow. but they each get a separate stifficit and each has its own list of drivers and uses, not sure how this differs from having 2 policies, but the broker (NFU) reckoned it was going to be cheaper.

I put my old Audi on the same NFU policy as the landy but the price stank, so I phoned around and got some better deals, then phoned NFU and told them that I'd be moving both the landy and audi to a new company. At this point they suddenly found that I was entitled to a "special discount" that mysteriously equalled the difference in price between their policy and the others... Strange that.

ISTR that NFU's original price was so high due to some policy restrictions they put in place regarding the transfer of no-claims bonus, I think I wanted to transfer all the NCB from the landy to the audi, which they refused to do as they were already insuring the landy, setting themselves up for a fall right there.

I've also found it's quite easy to get "new customer only" deals from all sorts of places by pointing out that they're encouraging me to dump them and go elsewhere, why do companies do this I wonder.

You'll be surprised how many people just blindly set up the direct debit/standing order, and forget about it. BTW - the same happened to me with NFU, so I stayed!