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+--- Thread: multi car insurance (/showthread.php?tid=6337)
multi car insurance - kernow_joe - 19-09-2012
anyone got a policy?
they sensible? or the price of 2 policys combined?
RE: multi car insurance - 4WayDiablo - 19-09-2012
Watch out as some will cancel both persons NCB in the event of an accident as your both on One policy
One of you crashes you'll both lose NCB unless the policy says you won't be effected in the even of the other person on the policy having a crash
RE: multi car insurance - kernow_joe - 19-09-2012
multi CAR insurance not multi person
basically want a second car for fun as the 6 just doesn't go sideways, put a thread up to sell it, which I will if someone wants it, but realised if I could have a multi car policy for not a lot more I could have my fast car and my sideways car
I can just see the insurance company charging for my 6 cost + drift spec cost and calling it one policy, because they are lady gardens
RE: multi car insurance - 4WayDiablo - 19-09-2012
Oh ... my bad haha
RE: multi car insurance - kernow_joe - 19-09-2012
haha cheers for trying ... just try harder next time!
multi car insurance - THE_Liam - 19-09-2012
Tried classic insurance? If your with a decent broker they'll take into account the fact that you can't drive both cars at the same time so only one will be on the road at any given time an cut you a good deal. When my AX GTI was playing up I bought a Maestro to run around in for a few weeks, that was an extra 7 quid a month iirc
RE: multi car insurance - procta - 19-09-2012
(19-09-2012, 12:26 PM)kernow_joe Wrote: multi CAR insurance not multi person
basically want a second car for fun as the 6 just doesn't go sideways, put a thread up to sell it, which I will if someone wants it, but realised if I could have a multi car policy for not a lot more I could have my fast car and my sideways car
I can just see the insurance company charging for my 6 cost + drift spec cost and calling it one policy, because they are lady gardens
kernow, insurance companies wont do multi pol if one car is standard and the other is modded,
what i did, i belled brentacre and asked if they did a mirror noclaims, they said yeah and did me a quote on my rover metro mirroring the noclaims off the 306.
which gave me a custom car policy for the metro. that way if the metro got wrote off the 306 is safe and so is my noclaims or vice versa.
i put the metro down for 3000 miles year. i think i have only done about that with in the year of putting on the road. 2000 miles last year and i think under a 300 this year.
RE: multi car insurance - Dum-Dum - 19-09-2012
Interested to know the answer to this too.
Was gonna call my insurance tomorrow and ask about a second car.
RE: multi car insurance - THE_Liam - 19-09-2012
(19-09-2012, 07:36 PM)procta Wrote: kernow, insurance companies wont do multi pol if one car is standard and the other is modded,
what i did, i belled brentacre and asked if they did a mirror noclaims, they said yeah and did me a quote on my rover metro mirroring the noclaims off the 306.
which gave me a custom car policy for the metro. that way if the metro got wrote off the 306 is safe and so is my noclaims or vice versa.
i put the metro down for 3000 miles year. i think i have only done about that with in the year of putting on the road. 2000 miles last year and i think under a 300 this year.
Hmm, Brentacre mirrored your NCB? I'll remember that when I get a Eunos, I'm with them
RE: multi car insurance - procta - 19-09-2012
(19-09-2012, 07:45 PM)THE_Liam Wrote:(19-09-2012, 07:36 PM)procta Wrote: kernow, insurance companies wont do multi pol if one car is standard and the other is modded,
what i did, i belled brentacre and asked if they did a mirror noclaims, they said yeah and did me a quote on my rover metro mirroring the noclaims off the 306.
which gave me a custom car policy for the metro. that way if the metro got wrote off the 306 is safe and so is my noclaims or vice versa.
i put the metro down for 3000 miles year. i think i have only done about that with in the year of putting on the road. 2000 miles last year and i think under a 300 this year.
Hmm, Brentacre mirrored your NCB? I'll remember that when I get a Eunos, I'm with them
yeah they did liam, capped the car on bhp, but said i could do what the f*ck i wanted to the interior, but a exhaust system on, air filter etc, but as long as i dont up the bhp on the engine from the capped amount. which they said was 150 bhp.
flux wont play ball on mirroring sadly.
RE: multi car insurance - Daniel306 - 19-09-2012
iv taken one two septate polices cheaper than i could find multi car, and my second one i have 0 NCB.
Flux wanted 1400 to insure a standard 205 Dturbo, got it insured for 700 and my 306 in insured for 450,
RE: multi car insurance - THE_Liam - 19-09-2012
(19-09-2012, 07:51 PM)procta Wrote: yeah they did liam, capped the car on bhp, but said i could do what the f*ck i wanted to the interior, but a exhaust system on, air filter etc, but as long as i dont up the bhp on the engine from the capped amount. which they said was 150 bhp.
flux wont play ball on mirroring sadly.
They said the same to me with mods as well, 130 bhp on the XRDT. That's why I renewed again, been with them 2 years and just renewed for a 3rd
RE: multi car insurance - procta - 19-09-2012
my pal, decided to put his mini and vectra on a multi car policy. hes paying well over 1500 quid!
for that i could have a 3rd car insured, as my HDi costs 469 fully comp, metro 460 tpft,
i have one years noclaims on the metro now, the price has just stayed the same, the 306 has nearly 8 years noclaims on it, that has just say got into the mid 400s as it was in the 500s.
RE: multi car insurance - kernow_joe - 20-09-2012
hmm maybe my insurance isn't too bad £550 for the gti and the other car was going to be around the same,
still for 2 I wouldn't want to be paying more than 750 maybe 800, got other things to pay too
multi car insurance - THE_Liam - 20-09-2012
I'm paying £500 on the XRDT and I've been quoted £220 on a Eunos on classic, not bad for round here really.
RE: multi car insurance - puglove - 20-09-2012
I dony know who was quoting you procta? But i had my DT insured as STD and declared mods on my gti. And i payed less for both of them than what my renewal was for just my 6 so to insure two cars. So ueah multi cars can me very cost effective. Now iv moded my Dt and my 6 so both declared it only works out somthimg like £100 a year more than the 6 on its own. Also if you go with admeral they will insure both an defurr the second cars insurence untill the current policy runs out therefore making it cheaper again as your ony payin 5 6 7 8 months insurences what ever it may be. Also you will get a years NCB for for the few months youv had the 2nd one insured. Win win if you ask me. Its defo better than 2 seperate policies.
Also with ademral if you crash one it dosnt effect the NCB on the other
RE: multi car insurance - Dum-Dum - 20-09-2012
So spoke to my insurance company this morning, they wont add a second car permanently to my policy but they will give me a discount on taking a second car out with them and mirror my NCB.
So looking at a standard SLDT sedan insured for 9000 miles a year was £500 for 12 months with a £250 excess.
Bear in mind that the price comparison sits wanted about £800 for the same and im paying about £750 for the GTi6 for a year for 12000 miles, hopefully Ill see a discount when I drop it down to 3000 miles a year.
RE: multi car insurance - Curt - 20-09-2012
I'm probably going to look into this at some point. Anyone done it with Brentacre?
RE: multi car insurance - Dum-Dum - 20-09-2012
Im with Chaucer Insurance but i con only get hold of them through my broker Sky
RE: multi car insurance - puglove - 20-09-2012
Chris that sedan i was talking about on bait book is up for swaps. Have you got an old tricycle you could px for it? Lol
multi car insurance - THE_Liam - 20-09-2012
(20-09-2012, 09:26 AM)Dum-Dum Wrote: So spoke to my insurance company this morning, they wont add a second car permanently to my policy but they will give me a discount on taking a second car out with them and mirror my NCB.
So looking at a standard SLDT sedan insured for 9000 miles a year was £500 for 12 months with a £250 excess.
Bear in mind that the price comparison sits wanted about £800 for the same and im paying about £750 for the GTi6 for a year for 12000 miles, hopefully Ill see a discount when I drop it down to 3000 miles a year.
Are you 25 Chris? I know from a mate that Peter Best or Footman James will insure his 205 D Turbo as a classic for around £150 a year...
RE: multi car insurance - Curt - 20-09-2012
Yeah he's an old man...
RE: multi car insurance - Dum-Dum - 20-09-2012
Im 26, when i took out the policy that the 6 is now on i was running the china cabby so its not a classic
(20-09-2012, 10:21 AM)puglove Wrote: Chris that sedan i was talking about on bait book is up for swaps. Have you got an old tricycle you could px for it? Lol
Linky?
RE: multi car insurance - kernow_joe - 20-09-2012
(20-09-2012, 10:42 AM)Curt Wrote: Yeah he's an old man...
(20-09-2012, 10:55 AM)Dum-Dum Wrote: Im 26, ....
that is not old!
my insurance is up in a month so going to give adminral a ring,
how old does a car have to be to get classic insurance? could be another option
RE: multi car insurance - Curt - 20-09-2012
Yes it is, don't give him more of a reason to act like a child
multi car insurance - THE_Liam - 20-09-2012
(20-09-2012, 11:43 AM)kernow_joe Wrote:(20-09-2012, 10:42 AM)Curt Wrote: Yeah he's an old man...
(20-09-2012, 10:55 AM)Dum-Dum Wrote: Im 26, ....
that is not old!
my insurance is up in a month so going to give adminral a ring,
how old does a car have to be to get classic insurance? could be another option
The general rule seems to be 20 years, but if a cars rare or special in some way they'll take newer cars. My mate has 2 on classic cover, a '93 205 and a '96 Escort Cosworth. Also know a lad who's got a '91 Golf GTI on classic too, and the quotes I've got have been for my mates '93 Eunos.
RE: multi car insurance - procta - 20-09-2012
(20-09-2012, 08:19 AM)puglove Wrote: I dony know who was quoting you procta? But i had my DT insured as STD and declared mods on my gti. And i payed less for both of them than what my renewal was for just my 6 so to insure two cars. So ueah multi cars can me very cost effective. Now iv moded my Dt and my 6 so both declared it only works out somthimg like £100 a year more than the 6 on its own. Also if you go with admeral they will insure both an defurr the second cars insurence untill the current policy runs out therefore making it cheaper again as your ony payin 5 6 7 8 months insurences what ever it may be. Also you will get a years NCB for for the few months youv had the 2nd one insured. Win win if you ask me. Its defo better than 2 seperate policies.iam with flux for the metro and brentacre for the 306, last year it was kris knott for the 306 and brentacre for the metro,
Also with ademral if you crash one it dosnt effect the NCB on the other
the Hdi is insured as standard, the metro has all mods declaired.
the thing is puglove, the metro has got a engine converstion, so not many insurance companies will touch it, so in way depends on how far you gonna go with the second car really.