OT - Insuring multiple cars

MikeL · 2006-04-20T13:44:02+00:00

Apologies for the off topic post, but I was wondering how those of you who own several cars have found the cheapest way to insure them all.Typically, I've only had one car, but now I find myself with one main car, a van and a cheap run-around for the gf/backup for me for when the others are out of action.Currently, I'm with DirectLine. I can only use my NCD on one policy, but I can get the same discount applied to the other vehicles, providing I am the only named driver. If I want to add the GF, I have to start at 0 NCD again for that vehicle and pay through the nose accordingly.This seems to be the only place where I can find a discount for insuring a number of cars. Is it really just a case of having 3 separate policies and finding the best price possible for them each?None of the cars are worth much, so I'd be happy enough even if the cover was limited to 3rd party only. Some of them maybe be old enough (12 years) to consider classic policies if that helps?Many Thanks

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MikeL 20 years ago

You guys don't know you're born. !

£600+ 3rd party on an Alfa 146 with my NCD £600+ 3rd party on a 899cc Fiat Cinquento if I want to include the missus and thus not be able to transfer my NCD from the Alfa

Both are the best quotes I've found....so far...

Still, it's a long way off the £1600 I paid to insure an 1.6 Escort way back when I was 18. Ah...to be young and naive again. You probably think I still am, judging by the above quotes.

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fishman 20 years ago

It says on TRADEX that it excludes high performance or exotic cars - exotic, fair enough, but what's an insurer's definition of high performance these days?

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Willy Eckerslyke 20 years ago

I just got an online quote by filling in their web form. By pushing the excess up to the max, it comes down to just over 600 for

3rd Party F&T, which is probably about what I'd pay if I were to take out a seperate policy on the extra vehicle. So I'd be weighing up the convenience of a policy that covers me to drive any other crap I pick up off Ebay against all the advantages my current policies provide - i.e. breakdown cover, reasonable excesses, agreed value fully comp cover for the classics, etc. Not much point going ahead really, which is a pity.

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MikeL 20 years ago

Hmmm...I didn't get an option on an online quote, just a promise that they were going to get in touch. Which they haven't yet...

Must try again as anywhere near that quote would make me happy :)

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gazzafield 20 years ago

That or an extremely piss poor driver who lives in Baghdad.

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Conor 20 years ago

My mate pays just over £500 a year for his trade policy, which includes SD&P, and had several points on his licence when he applied for it.

Nope.

He's never had to explain to the PO. The wording is "any vehicle owned by, in the custody of or used in the course of business". Also covers any person driving the car during a test drive too.

OTOH, I think you're correct about the plod tugging - especially with ANPR.

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Chris Whelan 20 years ago

I think you'll find he does.

Google for "4th EU Motor Directive"

Chris

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MikeL 20 years ago

Well, after many enquiries, quotes and them never phoning me back, turns out they won't insure me on a motor trade policy as I'm not involved in the trade, nor can I have the "Enthusiasts" policy as I need to own more than 5 cars.

Shame.

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Adrian 20 years ago

MikeL ( snipped-for-privacy@nowhere.com) gurgled happily, sounding much like they were saying :

I enquired last week, too - and got a phone call from them within a couple of days.

They wouldn't touch me for a trade policy, as I don't change cars often enough (I said one per month) - and they didn't mention an "Enthusiast" policy at all.

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mrcheerful 20 years ago

Well, I must say that I am very surprised to hear that you were so let down. I will take it up with them next renewal (soon)

mrcheerful

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PC Paul 20 years ago

can you two get together on one ploicy and claim to be enthusiasts?

Or: do the cars have to be on the road? Buy two or three bangers and SORN them in a barn somewhere....

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Adrian 20 years ago

PC Paul ( snipped-for-privacy@home.com) gurgled happily, sounding much like they were saying :

Heh. You think I need help to get meet the five car requirement? I *earned* this email address, y'know...

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PC Paul 20 years ago

Well can you lend him a couple then?

I used to have too many cars too. Gave away 500+bhp worth in one weekend. Sniff.

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Adrian 20 years ago

PC Paul ( snipped-for-privacy@home.com) gurgled happily, sounding much like they were saying :

I could, but I really don't think he'd want them...

Ah. I might have nine vehicles, but they don't quite get to 400bhp - between 'em.

Take the everyday car off, and the other eight don't even get to half your weekend's loss...

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MikeL 20 years ago

I love free cars, unfortunatly the neighbours don't. They already think I'm a knacker bringing the neighbour hood down with 2 cars, 2 large trailers, a van and constant spanner monkeying on the drive of my semi respectable cul-de-sac.

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MikeL 20 years ago

I appreciated the suggestion though. Actually, I tried to phone them up today to see if I could add two cars that technically aren't mine, but I have regular use of, to bump me up to the magical five.

Unfortunately during many attempts to ring them, I was transferred four times, cut off twice, put on hold indefinitely twice and finally ended up with two people who hadn't even heard of their own policies.

I'm guessing that they might only be really interested in dealing with the trade rather than Joe Pubic.

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