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Insurance for multiple cars



Archtronics

ClioSport Club Member
  Clio 182
Those of you with 4-5+ cars how are you dealing with insurance?
Especially for cars that are going to sit on the drive for a while getting repaired, don’t get much use etc.
 

DomP182

ClioSport Club Member
  ph1 172, Arctic182
Our house has 3 cars, a van and a motorbike, still all on separate policies. I've looked at multi car policies but it gets complicated when you have different policy end dates and main drivers
 

Short Legs

ClioSport Club Member
  a better one
We current have three cars in our household but usually have four or five. As above I looked into a multi car policy, but the quote I got was higher than the individual policies. Also it all looked complicated in sorting individual no claims out if you ever wanted to split a driver out.

I could be wrong but when I looked I decided it wasn’t for me.

As for a car that’s not driven Ive read that you can get a laid up policy which will be cheaper.
 

Brigsy

ClioSport Club Member
  Kangoo 172cup
Mine are all insured separately. Multi car policys never seem to cover exactly what you want, avoid trade unless you have a business, as the value will be low on the car if you need to claim, then they might want vat receipts.

Most good insurers will mirror ncb onto other cars. Both the megs are insured via greenlight, gt turbo is on a classic policy, clio’s are both insured on one policy with elephant. All in all the lot is under £1k.

I wouldnt bother with laid up insurance unless its worth a lot of money, and then might be best off just having a policy running. My mate has a 3 door cosworth, and he used to have the laid up insurance for winter, but now he just has the policy running all year round.
 

Martin_172

ClioSport Club Member
  182 Converted Van
find an insurance company that mirrors your ncb say you have 10yrs, then at the end of the policy you get proof of no claims for 11yrs, now you have ncb for separate cars/policies that you can use with other companies, that's what I done and now have 3x cars on 3 policies with 15yrs ncb on each.
 

Short Legs

ClioSport Club Member
  a better one
Thought you could only use a set of NCB on one car.

I have you different sets of NCB, one is over 20 years, the other is 3 years.
 

Martin_172

ClioSport Club Member
  182 Converted Van
Thought you could only use a set of NCB on one car.

I have you different sets of NCB, one is over 20 years, the other is 3 years.
generally you can but if you find a company that mirrors them then your all good
 

thecrim22

ClioSport Club Member
  various
I've got 5 cars on a multicar policy with admiral always get a really good deal at renewal but if i tried to start a new quote with the cars I've got on it then it works out cheaper with separate policies but i have had it for years do maybe that's why.

the rest of the cars i have all have separate policies as its cheaper
 

Cookson

ClioSport Club Member
  Mk1 Audi TT 3.2 V6
This is good to know, although greenlight won't insure anyone with a Manchester postcode and the cars won't be modified
 

Oggy172

ClioSport Club Member
  RB182, 987, Lupo Gti
I'm with admiral multi car.

The m235i was astronomical to insure on its own, add in the Abarth & GTi and I was paying a small fortune.

The three car policy from admiral reduced the m235i down so much that I get all 3 for the price of the BMW & Abarth, the Lupo being free.
 

DrR

ClioSport Club Member
  Saab 9-3 Sportwagon
What I don’t get is if I have to have two sets of NCB, why if I claim on one does it affect the other.
Trying to get quotes for a van and a car at the moment.
 

Brigsy

ClioSport Club Member
  Kangoo 172cup
This is good to know, although greenlight won't insure anyone with a Manchester postcode and the cars won't be modified
I can remember you saying that before, wonder why. They insure Teesside, which used to be the car crime capital of the uk at one point :LOL: Also says no Bm’s too
 

Cookson

ClioSport Club Member
  Mk1 Audi TT 3.2 V6
I can remember you saying that before, wonder why. They insure Teesside, which used to be the car crime capital of the uk at one point :LOL: Also says no Bm’s too
Yup. It's a bit of a joke really. Touch wood, I've never had a car broken into, let alone stolen. I live in a decent area, have 10years no claims.... Just point blank refused to even quote on an M postcode. Yet other insurers are happy to provide cover for a reasonable price.
 


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