insuring 2 cars?

[Danith]

just rang up my ins company.

i want to insure my rs-1 and also a £300 diesel dog to commute in.
they said i have to create 2 policies (one for each car) and only use my 5yrs ncb on one!

so paying £300 to insure my 172 fully comp protected and £400 to insure a 1.9 diesel clio 1994 tp only!

can i be naughty and ring up another ins company and insurte the diesel from scratch and when they ask about my NCB i say yes i have 5 yrs so in effect sneakily use my NCB on 2 cars by 'playing dumb' ?

or would it not work?

 

[S22 JGS]

LOL interesting you should post this cos im ooking to do the same myself.

i dont think ure get away with the double NCB thing LOL

 

[Danith]

why not?? if its with a different company? you just pretend your startin a totally new policy and when they ask 'do YOU have any NCB?' you say 'yeah 5 years'.

 

[Englebert]

I think Norwich Union and Directline offer good multi-car quotes.

 

[Colin-S]

You can only use your NCB with one car.

"£400 to insure a 1.9 diesel clio 1994 tp only!" is outrageous, but thats because they are taking this with 0 NCB as you are using the 5yrs NCB on the clio.

Might be a lot of hassle, but try another insurance company that will insure a 2nd car. (1 policy for both) its got to be cheaper than £700 a year for both.

 

[Danith]

tried admiral and they wanted to bum me for £750 for both. im payin £350 for the RS approx and expect to pay about £200 for a diesel banger (not bothered wat it is).

no chance. gonna have to pull off some sort of manouevre. its me who earns the NCB not the car! its scandalous!

 

[S22 JGS]

not worth it lol... ull just end up losng the 5years if you c**k about with it.

 

[Englebert]

Will it help if you put someone else on your policy, e.g mum.

 

[Danith]

doesnt matter, thought it would be a cheap way of getting to work and back and saving the miles on my rs. oh well, could try gettin someone else to insure it and pay them and just drive it on my fully comp on rs.
wat a load of b0ll0cks.

 

[S22 JGS]

doesnt matter, thought it would be a cheap way of getting to work and back and saving the miles on my rs. oh well, could try gettin someone else to insure it and pay them and just drive it on my fully comp on rs.
wat a load of b0ll0cks.

wont work... policy holder has to be the main driver - wouldend up in poo poo this way too.
whats 400 quid? ull make that back in a year on milage costs

 

[Iain C]

my two are through bell..
Ny ncb is used on the 2nd car.
Do a search on here, there are a few threads about it

 

[S22 JGS]

my two are through bell..
Ny ncb is used on the 2nd car.
Do a search on here, there are a few threads about it

i aint supprised given what ure second car is

 

[Danith]

good point. £400 is for the whole year and would defo make it back in juice and tyres etc.
still CBA payin mor for a dirty diesel than my rs. insurance is gay.

 

[graham_172]

admiral or confused.com will find you the cheapest. i have my 172 and wife's ford ka covered for £430 fully comp combined on a joint policy.

 

[alpha_helix]

Hey don't know if this will be of any use but Direct Line have started letting you use your No Claims on your second car so you would be able to use your 5 years NCD on both. They also give you a 10% discount if you insure 2 cars.

http://www.directline.com/motor/newimprovedcar.htm - Details of new policies

Matt

 

[S22 JGS]

/\/\ only let you do it if you are the only person driving both cars though

 

[Danith]

thats ideal !!! cheers mate!

 

[NB 02 HOT]

i know there are companies that do one policy to cover two cars. my dad insured his aston with some some company and they added his fiesta to it for about £50. dont kno what companies do this though but they are out there

 

[Danith]

aston and a fiesta. another tough dilemma to face every day.

 

[alpha_helix]

Hey, did you have any luck with direct line?

 

[Danith]

not tried yet im gonna give it a go over weekend. need to find a car too.