Kevin Bacon 5 Posted May 27, 2011 Who has more than one car on here? Any recommendations for a good value multi-car policy? Bought a BMW estate the other day for the household lugging and dumping duties and not having owned 2 cars at once before, was horrified to discover I can only use my NCB on one car! Just as an example of how much we the public are ripped off..... my mate has a trader's insurance policy and he's covered on any car, comprehensive, up to a value of £7,500 for the princely sum of £600 a year. And the best bit is he isn't even a trader!! He's bought 2 cars from a (public) auction and that's it! Knowing my luck I'd get shafted if I did the same, so has anyone got any suggestions of a legitimate nature? :lol: We have 3 cars in the family, one of which is a heavily modded Rado, so the major players aren't going to touch that one..... God I hate insurance companies, making us jump through hoops and paying stupid prices..... Quote Share this post Link to post Share on other sites
boost monkey 0 Posted May 27, 2011 Why are you horrified? If you use NCB on 2 cars, and BOTH cars get into a your fault accident, then everything is screwed up! Quote Share this post Link to post Share on other sites
Kevin Bacon 5 Posted May 27, 2011 Because I thought NCB was built up to 'You', not the car. I.e. how can my missus have 9 years NCB when she's only had her Polo since 2008??! Oh well, every day is a learning experience..... Quote Share this post Link to post Share on other sites
joebloggsVR69 0 Posted May 27, 2011 Yep insurance is all a con... You can only use your NCB on one car at a time, which I've never understood... And if you were to have an accident, you'd still have to mention it when you're insuring your 2nd car, which is on a totally seperate policy using your other NCB. Where's the sense in that? Quote Share this post Link to post Share on other sites
aide 0 Posted May 27, 2011 yeh i was caught out by this as well, NCB is policy specific and clocks up in full years continuous insurance only. Quote Share this post Link to post Share on other sites
jamiehamy 0 Posted May 27, 2011 I agree, NCB is a nonsense. So you have two NCB's on two different cars, then crash one and claim. You are still allowed a NCB on the other car, even though you've claimed?! Hmmm... Quote Share this post Link to post Share on other sites
boost monkey 0 Posted May 27, 2011 Yep insurance is all a con... You can only use your NCB on one car at a time, which I've never understood... And if you were to have an accident, you'd still have to mention it when you're insuring your 2nd car, which is on a totally seperate policy using your other NCB. Where's the sense in that? crashing is generally the sign of a bad driver. I can understand why insurance companies would want to know about it, even if it was with a different car! Quote Share this post Link to post Share on other sites
aide 0 Posted May 27, 2011 crashing is generally the sign of a bad driver. only when its their own fault :) Quote Share this post Link to post Share on other sites
RW1 0 Posted May 27, 2011 (edited) You are still allowed a NCB on the other car, even though you've claimed?! Hmmm... The NCB stays the same but there is a sting..... Crash on one will impact premium on the other policies with some companies as you have become a higher risk. Even if the insurance company is a different company. That little question they ask, "any accidents/claims in the last * years". It applies to ALL the policies so when the other comes up for renewal, the NCB may not change but its like speeding points etc, the accident and if claimed should be declared to avoid invalidating the policy by not updating your status. As said, a scam best describes. Run three policies on three cars with full NCB on all. One got hit some time back, all three jumped in premium. Think with the highly modified VR6 / BMW you are best on two separate bearing in mind the mod state of the VR6 and the insurance declaration interlinkage. A bit homework to do on pricing me thinks. Bell who the two "Sunday" cars are with are separate policies. They suggested this week that sister company Elephant with multi-car policy maybe worth a shout. Still to plumb the numbers into the Elephant website. Seems they will set-up on the first car, say at renewal & tranisition the change over the period until the other(s) single policy expires, even if its another 11 months. So you eventually get to a true multi-car policy. The other thing if you haven't renewed the existing policy recently is the price hike in premiums. About 35% this week for me. It seems to be happening across the board since January. . Edited May 27, 2011 by RW1 Quote Share this post Link to post Share on other sites
davidwort 0 Posted May 27, 2011 Can't suggest anyone that is likely to do a turbo VR and other cars on the same policy but I have to say that the Admiral multicar policy I took out last year seems pretty good. The 16v has just gone onto it (as it's own policy had only just started last year when I started the multicar one) I now have 2 Corrados and a Golf on one policy, all of them fully comp for £645 on the renewal just come through, so not everyone has had massive hikes in premiums this year. Also, I thought that was very good considering the 2nd Corrado had effectively no no-claims this time last year. Quote Share this post Link to post Share on other sites
Kevin Bacon 5 Posted May 27, 2011 (edited) Yeah I think 3 seperate policies is the way to go. £448 is the cheapest so far, on Elephant, just for the BM. And this proves how insestous the motor insurance is. We haven't even done an online quote for Elephant, but going on there, putting my details in for a new quote... "You appear to have already been quoted....". Hmmmm, so they're basically passing my details around eachother. Absolute chunts. Why is this country so p1ss poor and regulating these companies??! I suppose if they're shunting our details around, they know we're looking for the best quote, so will be competing for our business. I just don't like the way they go about it. Had to laugh when I tried a quote through the Corrado's insurer, Brentacre. They immediately said they couldn't match my best quote and muttered something about "RWD and 2.5 engine" making the premium a lot dearer. Eh? It's a 15 year old Automatic tank that a 1.2 Corsa wouldn't even struggle against. Insurance companies really do have a warped sense of logic sometimes. EDIT: Yeah I tried Admiral last night. £1098 for the Polo and BMW, but we can get cover on both, seperately, for less than that. From the quotes we've had back so far, I can see no advantage in a Multicar policy at all. Edited May 27, 2011 by Kevin Bacon Quote Share this post Link to post Share on other sites
Jim 1 Posted May 27, 2011 What makes me laugh is they still talk about 2.5 litre old BMW sheds being powerhouses - when there are people out there driving ****ing Seat Leon's with substantially more horsepower and ability to kill / cause accidents. Insurance is my major hate. If you own more than one car and they're both modified, I can't think of a more soul destroying experience than the whole process of trying to get insurance. Best thing to do in your situation mate is get the Corrado insured with a specialist on a classic policy, where NCB are not required or accumulated (can highly reccomend Lynnebrook Insurance.. I have a policy with them!) and then do the normal NCB type policy with someone like Direct Line on the BMW. Quote Share this post Link to post Share on other sites
Kevin Bacon 5 Posted May 27, 2011 Cheers Jim.... I think I'll leave the Rado on it's current policy as it has a 400hp limit inc any mods (inc cages etc), for a reasonable £800, then I can I do what I like to it in respect of my 24V T plans. The Bimmer is literally just for dumping schitt and picking up stuff from builder's yards etc! It's another example of the old guard not keeping up with the times. Practically every family / household I know has 2 or 3 cars, and yet they make it a real bind to insure them. And with uninsured drivers set to be fined £100, or is it £300?, where's the incentive for law abiding citizens to insure their cars at all? Quote Share this post Link to post Share on other sites
beastie4126 0 Posted May 27, 2011 EDIT: Yeah I tried Admiral last night. £1098 for the Polo and BMW, but we can get cover on both, seperately, for less than that. From the quotes we've had back so far, I can see no advantage in a Multicar policy at all. Christ either I have got to the age that they no longer consider me an insurance threat or my renewal is going to be very high at the end of the year. I have Multi car with Admiral covering the VR6, A3, Tiguan and the MK2 Golf all fully comp with protected NCB and it cost me £980. Quote Share this post Link to post Share on other sites
CazzaVR 0 Posted May 27, 2011 Got Admiral too for our 225bhp Octavia vRS & my VR for £560. Quote Share this post Link to post Share on other sites
Jim Bowen 1 Posted May 31, 2011 i use admiral multicar, and so do alot of people i know with two cars. had to argue for a while to get the quote down, but the person on phone put me on hold then came back saying they could "mirror" my no claims? all i knew was it made the quote alot more reasonable Quote Share this post Link to post Share on other sites
mimjed 0 Posted June 1, 2011 You can split your no claims if required. So if you have 6 years you chop it into two 3 years instead. Speak with your current insurer about it if it will help, they have to put it in writing for you. Quote Share this post Link to post Share on other sites
