two cars - one driver - insurance

D

Dave H

Guest

• Jun 3, 2006

• #1

Hi all.

I notice from a lot of sig's that a lot of you have two vehicles, how do you
insure them.

I have a 96 300 TDi Discovery and I am looking to buy a second car, I
currently have 6 years NCB, but my broker tells me that NCB only 'lives' on
the Disco - Is this correct ?

He is saying that I have to start at 0% NCB on the second car, which makes
it mighty expensive !!!

How do you insure your second - even third vehicles looking at some of you
??

Regards & thanks in advance.

Dave H

 

A

Andy Cunningham

Guest

• Jun 3, 2006

• #2

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

>
> How do you insure your second - even third vehicles looking at some of you

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

 

D

Derek

Guest

• Jun 3, 2006

• #3

"Dave H" <[email protected]> wrote in message
news:[email protected]...
> Hi all.
>
> I notice from a lot of sig's that a lot of you have two vehicles, how do
> you insure them.
>
> I have a 96 300 TDi Discovery and I am looking to buy a second car, I
> currently have 6 years NCB, but my broker tells me that NCB only 'lives'
> on the Disco - Is this correct ?
>
> He is saying that I have to start at 0% NCB on the second car, which makes
> it mighty expensive !!!
>
> How do you insure your second - even third vehicles looking at some of you
> ??
>
> Regards & thanks in advance.
>
> Dave H
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
http://www.directline.com/motor/newimprovedcar.htm
I should have introduced you and then theres more discounts all round where
did I put those postcards?
Derek

 

D

Dave H

Guest

• Jun 3, 2006

• #4

> 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
> http://www.directline.com/motor/newimprovedcar.htm
> I should have introduced you and then theres more discounts all round
> where did I put those postcards?
> Derek

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

 

D

Dave H

Guest

• Jun 3, 2006

• #5

> 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

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

I'll keep searching
Cheers
Dave

 

T

Tom Woods

Guest

• Jun 3, 2006

• #6

On Sat, 3 Jun 2006 13:25:42 +0100, "Dave H" <[email protected]> wrote:

>How do you insure your second - even third vehicles looking at some of you
>??

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.

 

M

Matthew Maddock

Guest

• Jun 3, 2006

• #7

> 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 !!!

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

 

P

Pacman

Guest

• Jun 3, 2006

• #8

Dave H wrote:
> Hi all.
>
> I notice from a lot of sig's that a lot of you have two vehicles, how do you
> insure them.
>
> I have a 96 300 TDi Discovery and I am looking to buy a second car, I
> currently have 6 years NCB, but my broker tells me that NCB only 'lives' on
> the Disco - Is this correct ?
>
> He is saying that I have to start at 0% NCB on the second car, which makes
> it mighty expensive !!!
>
> How do you insure your second - even third vehicles looking at some of you
> ??
>
>

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

__
Thanks,
Paul.

 

A

Austin Shackles

Guest

• Jun 4, 2006

• #9

On or around Sat, 3 Jun 2006 13:25:42 +0100, "Dave H" <[email protected]>
enlightened us thusly:

>Hi all.
>
>I notice from a lot of sig's that a lot of you have two vehicles, how do you
>insure them.

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.
--
Austin Shackles. www.ddol-las.net my opinions are just that
Blue: The sky is blue for a reason. Blue light is a source of strength
and harmony in the cosmos. Create a blue light in your life by
telephoning the police
from the Little Book of Complete B***ocks by Alistair Beaton.

 

I

Ian Rawlings

Guest

• Jun 4, 2006

• #10

On 2006-06-04, Austin Shackles <[email protected]> wrote:

> 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.

--
Blast off and strike the evil Bydo empire!

 

R

[email protected]

Guest

• Jun 5, 2006

• #11

On Sun, 4 Jun 2006 20:13:24 +0100, Ian Rawlings <[email protected]>
wrote:
>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!