2 Car Insurance

[Deleted member 2227]

Am I imagining it or did someone on here manage to insure two cars with 1 lot of no claims? Any help gratefully received.

 

[Gollom]

As an extension to this, I'd love to buy an older car for very occasional use but the fact that I would then need to purchase another insurance policy makes it expensive. I'm sure that in the USA you can buy a policy that insures 2 cars on the basis that only 1 can be used at any one time. Anybody ever hear of anything like that in the UK?

Steve

 

[Will]

I think that certain insurance co's will mirror a set of no claims accross - but you'd need to ring round to see which ones do (or wait for more responses..)

I know some other companies like Admiral do a multi-car policy where you can insure two or more vehicles at a discounted rate

Will

 

[Bobby Dazzler]

Am I imagining it or did someone on here manage to insure two cars with 1 lot of no claims? Any help gratefully received.

When I asked, Direct Line said they'd do this for me, ie I would benefit from the same No Claims Discount on a second car insured in my name, as the first.

 

[Bobby Dazzler]

As an extension to this, I'd love to buy an older car for very occasional use but the fact that I would then need to purchase another insurance policy makes it expensive. I'm sure that in the USA you can buy a policy that insures 2 cars on the basis that only 1 can be used at any one time. Anybody ever hear of anything like that in the UK?

Steve

Try Admiral http://www.admiral.com/yourPolicy/multicarFaqs.phtml

Some specialist brokers do it too, and I think NU did some sort of trial a while back.

HTH

Edit: Looks like Will pipped me to it whilst I was looking at the Admiral FAQs posted above.

 

[Will]

Will

 

[imadoofus]

I'm with Admiral Mulit-car, and they saved me £700 over Direct Line eek: )

They would only apply NCD to one car, though. Insurers will say you can only have one set of NCD, regardless of how many cars you have, and bear in mind that NCD is not a statutory thing, so they can actually do whatever they want.

PJ

 

[imadoofus]

When I asked, Direct Line said they'd do this for me, ie I would benefit from the same No Claims Discount on a second car insured in my name, as the first.

But when you try to do it, they won't.

Since DL became part of BOS, their customer service has gone through the floor, and their call centre people no longer have the slightest clue what they are on about.

PJ

 

[dagd]

I'm with Admiral Mulit-car, and they saved me £700 over Direct Line eek: )

They would only apply NCD to one car, though. Insurers will say you can only have one set of NCD, regardless of how many cars you have, and bear in mind that NCD is
not a statutory thing, so they can actually do whatever they want.

PJ

I'm also with Admiral Mulit-car and have members of family all able to drive each others car (which also brought the price down). Save about £400 on separate insurances

 

[Sp!ke]

I currently have three cars and three motorcycles (it was 4 cars until very recently).

The motorcycles are easy, I pay a premium for the highest grouping bike and each extra bike on the policy is about £30 per year extra.

The cars are a nightmare to insure. No multivehicle deal that I have found works out any cheaper than separately insuring all three despite the fact I can only drive one at a time. That said, I seem to be generating a NCD on each vehicle so it is slowly getting cheaper to insure.

I cant be alone with this kind of problem but it seems no insurance company is interested.

In the US, the driver is insured, not the car. He can then drive anything he likes with 3rd party cover. The only way of doing this in the UK is to register your car to a friends cat. As long as you have permission from the cat to drive the car then your current policy covers you. You cant register it to a friend or even a friends dog as it would be uninsured when you are not driving and you friend would be liable (He is liable for the actions of his dog too but not his cat).

 

[duncanh]

But when you try to do it, they won't.

Since DL became part of BOS, their customer service has gone through the floor, and their call centre people no longer have the slightest clue what they are on about.

PJ

DL is NOT part of BOS (Bank of Scotland). They are part of the Royal Bank of Scotland (RBS) group, which includes NatWest, and I believe they also own Churchill.

I had this insurance problem a few years ago. Admiral would not give me any NCB on a second policy. I got a letter from work that stated that I had a company car for 8 years without any accidents or claims. I used this to obtain a full NCB on the second car with ESURE.

 

[High-Lo]

Elephant insured 2 of my cars using 1 x NCB

 

[Kam]

I have had a similar issue. I have 4 drivers in my house and 3 cars and a van. I have had to put evreyone on each car as a named driver. Each car has there own set of no claims discount.
I will try admiral with this new household policy they do, and see if i can get one piloicy for all the cars( van will be commercial so has to be on its own) and see if it works out cheaper.
I am at present paying in the region of 1300-1400 for all 3 cars and they are:
1 CLK 320
2 GOLF GTDI
3 NISSAN MICRA

The van alone cost me £600-700, it is a 311CDI sprinter

 

[Rory]

There's a company that advertises multi-car insurance on the HonestJohn website: http://www.primoplc.com/personal.htm

 

[MartAD]

I have had a similar issue. I have 4 drivers in my house and 3 cars and a van. I have had to put evreyone on each car as a named driver. Each car has there own set of no claims discount.

Do each of the cars have separate owners/prinicipal driver? If so, then why doesn't each driver have their own insurance and can therefore drive all the other cars by default, no naming required.

I had this discussion with my GF/s Father over Christmas who was naming everyone on his policies, but they already had their own insurance, I don't think he believed me, despite me showing him my standard policy.

 

[Bobby Dazzler]

Do each of the cars have separate owners/prinicipal driver? If so, then why doesn't each driver have their own insurance and can therefore drive all the other cars by default, no naming required.

I had this discussion with my GF/s Father over Christmas who was naming everyone on his policies, but they already had their own insurance, I don't think he believed me, despite me showing him my standard policy.

Would only be third party cover though unless I'm mistaken? Which is maybe the reason they name the additional drivers on the policy?

 

[Sp!ke]

Depends on the value of the cars.... normally its 3rd party cover only to drive another car.

If its a valuable car you want to name each driver to ensure fully comp insurance.

 

[Kam]

Problem with that is if another person is driving my car using the insurance of their own car, they are only insured third party. Which if the car is quite expensive then can cause problems if the worst was to happen

 

[MartAD]

Would only be third party cover though unless I'm mistaken? Which is maybe the reason they name the additional drivers on the policy?

yes, but if the Car is insured fully comprehensive, then the car is insured regardless... the driver (or at least his insurers) cover the third party risk

 

[Rory]

Do each of the cars have separate owners/prinicipal driver? If so, then why doesn't each driver have their own insurance and can therefore drive all the other cars by default, no naming required.

I had this discussion with my GF/s Father over Christmas who was naming everyone on his policies, but they already had their own insurance, I don't think he believed me, despite me showing him my standard policy.

Driving other cars (DOC) cover is being phased out by many insurance company's due to its mis-use, so don't assume everyone has this cover.

Also - it's only ever *third-party*. So don't rely on it unless you can afford to buy a replacement car for the person whose car you're driving.