Multiple car insurance

[sarahcoles]

I think Admiral provides multi car insurance for cars which is been owned by a single person. And your one car is for hire right ?

[Moscow Mule]

(but they wouldn't issue the cert if I found a cheaper quote somewhere else, so basically anywhere else was 0 yrs NCD)

Surely they gave you a renewal notice with your NCB on?

[expat]

I am fairly sure that Insurance Companies are similar the world over - ie They are ruthless shysters who squeeze every penny out of the poor punter and do everything in thier power (short of physical intimidation) NOT to pay out when "needed"..............

Yes but in e.g. France the interfering government steps in and prevents obvious abuse. (In France the government even forbids insurance companies from asking you if you have a speeding conviction!)

[Drewster]

Well, I have been living in other countries for a long time, and am still finding out "things that are goodXXXX different about the UK".

I am fairly sure that Insurance Companies are similar the world over - ie They are ruthless shysters who squeeze every penny out of the poor punter and do everything in thier power (short of physical intimidation) NOT to pay out when "needed"..............

eg But you never mentioned when you filled out the form that your great-grandfather wore glasses.... so obviously blindness is a risk that we didn't factor into our cover.....

or "No claims" but (once again) you failed to mention that your 2nd-cousin once witnessed an accident in Australia.

[expat]

I nominate Expat for the "Wide Eyed Innocent Award"

Well, I have been living in other countries for a long time, and am still finding out "things that are goodXXXX different about the UK".

[Ruprect]

Isn't that a racket? Since the NCD is earned by the person, not by the car, it should apply to all policies on that person.

I nominate Expat for the "Wide Eyed Innocent Award"

That's what I thought until a week ago too - managed to get 3yrs NCD on the second car with my existing insurer (but they wouldn't issue the cert if I found a cheaper quote somewhere else, so basically anywhere else was 0 yrs NCD) - it might be cheaper getting it insured in your wife's name - worth checking that too.

[Drewster]

Isn't that a racket? Since the NCD is earned by the person, not by the car, it should apply to all policies on that person.

I nominate Expat for the "Wide Eyed Innocent Award"

[expat]

Isn't that a racket? Since the NCD is earned by the person, not by the car, it should apply to all policies on that person.

[milanbenes]

I would have thought that the car would be insured for any driver as part
of the contract hire agreement ?

Milan.

[Bear]

Yeah - generally this is what they do....

2 separate policies, one of which has your full No Claims Discount on it (you should be able to choose which one therefore go for the most expensive policy pre discount)

the second policy - almost all insurers will offer an 'introductory NCD' which tends to equate to 2yrs (40%) - you may then get a bit more for having 2 policies with them.

Generally, the only policies available nowadays which offer more than one car on one policy are traders policies which tend to be expensive.

[Moscow Mule]

We've got two cars insured with Tesco on the same policy number. However, they seem to be separate policies with separate premiums. You can spread your NCB between the two however you like.

[zara_backdog]

OK, here's the craic!

I've got my own current car through tesco, fully comp. I want to take a private contract hire on an '09' plate Mercedes ML280 Sport while keeping the current car ie want to insure the 2 cars at once on one policy.

Spoke to tesco and all they said was 'you have to take a second policy out on one of the cars, so one car will have your max NCB while the other, we can give a 5% discount on the premium' ie the second car is virtually a new policy from scratch!

'Hang on' I said, 'you claim I can have multi car insurance and save money.' Yes, they say, but you have to insure both cars separately. You cant have 2 cars on one policy!

WTF that's no much cop.

I thought you could have a 'multi car' policy which covers you for 2 or 3 cars on the one policy. Am I wrong? Does anyone know any companies that do this?

BTW, Admiral is the same as tesco ie its not a 'real' multiple car policy. Its separate policies for separate cars.

Private contract hire had to be on a seperate policy (or it use to be when I had it for weddings and chauffaur hire) due to the fact it is private contract hire due to the t &c's and of the insurance are different to private/business use. Don't forget your public Liablity insurance as well if you are hiring the car out for chauffaur or self drive.

[BolshieBastard]

OK, here's the craic!

I've got my own current car through tesco, fully comp. I want to take a private contract hire on an '09' plate Mercedes ML280 Sport while keeping the current car ie want to insure the 2 cars at once on one policy.

Spoke to tesco and all they said was 'you have to take a second policy out on one of the cars, so one car will have your max NCB while the other, we can give a 5% discount on the premium' ie the second car is virtually a new policy from scratch!

'Hang on' I said, 'you claim I can have multi car insurance and save money.' Yes, they say, but you have to insure both cars separately. You cant have 2 cars on one policy!

WTF that's no much cop.

I thought you could have a 'multi car' policy which covers you for 2 or 3 cars on the one policy. Am I wrong? Does anyone know any companies that do this?

BTW, Admiral is the same as tesco ie its not a 'real' multiple car policy. Its separate policies for separate cars.