Insuring three cars for two adults

matsquatch · 18 Dec 2013 at 16:29

Hiya, looking for a bit of advice, as this seems to be more difficult than I thought it would be.

My missus has a 60 plate fiesta she drives to work, has bluetooth, heated screen etc, all the things she wants.

I have a Disco 3 (yes, another one) that I love driving, but it really only a weekend and family holiday car.

We also have an old Mk5 fiesta Zetec, which isn't worth much, but as it's the 1.4 tdci, only costs £30 to tax and is the perfect car for dropping the lad at nursery, and parking in the commuter station car park when I go into the office (unlike the Disco!), and also ok for leaving outside Elland Road on matchdays. You get the picture.

So I thought, ok, multicar insurance seems to be the answer, both got plenty of no claims (5 and 9 years,) no points on either licence, insuring the new Fiesta and the Disco is easy enough, but the old Fiesta, because it attracts no "no claims", was coming in at £400+ (and comically £500+ TPFT).

If that's the best I can do, I think we'll flog it and spend the money on diesel for the Disco! Maybe two tanks worth.....

Thought about trying a broker, most online places seem to have the same offering. Anyone insuring a similar setup, or is it just us being bizarrre? :confused:

Cheers!

GhostWKD · 18 Dec 2013 at 16:32

Over the years i've generally had 2 cars - one to be left alone and reliable enough day to day (currently the S2000) and another weekend toy (R32). For me it's always been cheaper to insure them seperately than it has as a package. Even including the GF's car along with mine didn't get me a competitive quote.

That said i've not tried speaking to Sky as yet about a multi-car policy which I've read they have started doing, may be worth looking into

matsquatch · 18 Dec 2013 at 16:45

Hmm, might have a look at them, though they get enough of my money!! Do you claim your no claims on both seperate policies? That's what I don't get about the multicar setup, it's surely the driver that has the no claims, what's the car got to do with it?

Jez · 18 Dec 2013 at 16:50

I run a multicar policy for several cars, every time I have added another Admiral have been very happy to mirror my no claims bonus over the additional vehicle. This really shouldn't be an issue to get these cars insured cheaply with them.

matsquatch · 18 Dec 2013 at 17:12

See, I've just done a multicar quote with Admiral online, and while the numbers aren't bad, they still claim that no claims per individual can only be used once. So the Disco gets my 9 years, the new fiesta gets her 5 years, and the old fiesta gets none.

Though I guess a quote of £413 (Disco), £255 (new fiesta), £321 (old Fiesta) isn't bad, just can't get my head round the old one costing £70 more than the new one!

miniyazz · 18 Dec 2013 at 17:24

GhostWKD said:
Over the years i've generally had 2 cars - one to be left alone and reliable enough day to day (currently the S2000) and another weekend toy (R32). For me it's always been cheaper to insure them seperately than it has as a package. Even including the GF's car along with mine didn't get me a competitive quote.

That said i've not tried speaking to Sky as yet about a multi-car policy which I've read they have started doing, may be worth looking into

Was wondering why you used an S2k as a daily and a Golf R32 as a weekend car and then noticed the GTR bit in your sig

I started no claims bonus from scratch for my second car, but then I didn't try asking Admiral to mirror it :/ perhaps I should have. Just assumed they wouldn't.

Jez · 18 Dec 2013 at 17:29

matsquatch said:
See, I've just done a multicar quote with Admiral online, and while the numbers aren't bad, they still claim that no claims per individual can only be used once. So the Disco gets my 9 years, the new fiesta gets her 5 years, and the old fiesta gets none.

Though I guess a quote of £413 (Disco), £255 (new fiesta), £321 (old Fiesta) isn't bad, just can't get my head round the old one costing £70 more than the new one!

What can I say other than exactly what I said, in every instance Admiral have mirrored my NCB over additional vehicles. Forget the 5 years and the 0 years, get them to mirror the 9 years over all of the cars. The same has applied to plenty of other people on here too.

Havana_UK · 18 Dec 2013 at 18:39

Jez said:
What can I say other than exactly what I said, in every instance Admiral have mirrored my NCB over additional vehicles. Forget the 5 years and the 0 years, get them to mirror the 9 years over all of the cars. The same has applied to plenty of other people on here too.

I'd be surprised if they wouldn't do this too...it's not as if you can drive them both at once!

Jez · 18 Dec 2013 at 18:42

They definitely will, myself and several others who also post here have done exactly this on a number of occasions. I now have 4 (I think) separate sets of NCB which originated as a single set.

rodenal · 18 Dec 2013 at 19:38

Have done it in the past with me too when I was insuring two cars in my own name - call them with the online reference number and explain

matsquatch · 18 Dec 2013 at 20:41

Cheers guys - now I've got a quote number from them, will give them a call in the morning, see what they can do.

NoNameNoNumber · 18 Dec 2013 at 20:56

Me and my GF 24 +23 respectively have a Mini Cooper s, a 1972 VW Beetle and a 1977 VW Camper all on a Multicar with Admiral for around £700 with agreed values on both of the VW's.
I snapped their hand off as I think that's a very good price.
Fully comp with breakdown cover and commuting on there too.

matsquatch · 19 Dec 2013 at 21:31

Bit of an update - got on the phone today, and the girl I spoke to said "yeah, NCB is based on you, not the cars, that's why the Fiesta is more to insure than the Land Rover (!!)" - anyway, long story short, she offered me the 9 years NCB on the old Fiesta as an "introductory offer", which brought it down to £181, protected NCB. So that's the Disco for £307, the old Fiesta for £181, and the new(er) Fiesta for £320 (might come down, thought the missus only had 5 years NCB, she reckons she has more).

Can't really argue with that, especially the Disco. Guess getting on towards middle age has some benefits!!

sovietspybob · 19 Dec 2013 at 22:32

When i got my 2nd car as a daily i went with Admiral multicar for the first year as they mirrored 2 years NCB onto my new policy, i did have 5 on my main car but think due to my age at the time they could only mirror over 2 or something..

Anyhow after the first year you'll get a renewal for 2 policies both with NCB listed so you can then go elsewhere using them as proof of NCB on all cars, win win!

Jez · 20 Dec 2013 at 09:29

matsquatch said:
Bit of an update - got on the phone today, and the girl I spoke to said "yeah, NCB is based on you, not the cars, that's why the Fiesta is more to insure than the Land Rover (!!)" - anyway, long story short, she offered me the 9 years NCB on the old Fiesta as an "introductory offer", which brought it down to £181, protected NCB. So that's the Disco for £307, the old Fiesta for £181, and the new(er) Fiesta for £320 (might come down, thought the missus only had 5 years NCB, she reckons she has more).

Can't really argue with that, especially the Disco. Guess getting on towards middle age has some benefits!!

There we go then, Good result

GhostWKD · 20 Dec 2013 at 10:01

miniyazz said:
Was wondering why you used an S2k as a daily and a Golf R32 as a weekend car and then noticed the GTR bit in your sig

I started no claims bonus from scratch for my second car, but then I didn't try asking Admiral to mirror it :/ perhaps I should have. Just assumed they wouldn't.

I'm constantly getting thrown when people refer to their golfs as R32's, always go into threads expecting to see a Skyline

Frankly though whilst I describe the GTR as a weekend car, it's currently more of an ornament infront of the garage

matsquatch said:
Hmm, might have a look at them, though they get enough of my money!! Do you claim your no claims on both seperate policies? That's what I don't get about the multicar setup, it's surely the driver that has the no claims, what's the car got to do with it?

No claims wise I've been insuring 2 cars for a long time but back when I started got the NCB mirrored and then had 2 lots of NCB from there to build up on each car (in my case I've got 9yrs and 8yrs I believe).

As others have said most of the time they'll mirror it but you have to talk to someone rather than trying to use the pre-defined tools online.

matsquatch · 20 Dec 2013 at 12:47

Jez said:
There we go then, Good result

Quite! Will have to tease my mates 18 year old lad at football tomorrow, his insurance for his 1.2 Corsa has come down to £1700.....

Jez · 20 Dec 2013 at 13:00

Young driver insurance seems insanely high these days, but then I have no idea how much of that is down to people seemingly being rubbish at buying insurance? My insurance was never very high, and continues to be very low, always has been.