Good points.
Regarding insuring the driver, not the ‘car’, how would you account though for certain cars which are nicked more? The insurance company still got to do risk in assessments, and would driver X pay the same (if it were based solely on the driver) having a £900 W reg Kia as he/she would if they then bought a £50K JLR, if the later has a much higher chance of theft? Say driver X bought a 65K Ionic 5 N electric car instead of his or her Volvo. Would the premium be the same, based solely on the driver alone, even though the 5 N (I presume) would have a phenomenal price if written off with battery damage in a collision?
I agree with your point in principle, but I feel there are so many other factors to enable a straight swap. Remember too, it is already based on the driver a lot anyway in terms of fault claims, penalty points etc, but other factors to such as age, and some more controversial factors such as location, job title etc
Hi I have a multi car policy with admiral … van, truck , car and house insurance… I added my 2.0 NC and it only added £230 to the policy
My Elgrand’s with Admiral and I thought I’d do the decent thing (well, had to) & inform them of a non-fault accident on another car with another insurer. I literally went bald dealing with them, just ‘trying’ to inform them of the simplist thing.
Would the risk of driving a W reg Kia that has just scrapped through it’s MOT and would no doubt cause more injuries to it’s driver therefore having a greater risk than a 50k JLR with all it’s driving safety aids? Granted I understand the repair bill would be greater on the JLR but instead of us paying through the nose for cars as opposed to other countries getting the same car for a greater reduced cost this would bring it more inline. Then if you put your emission hat on how long should high pollution cars be allowed to stay on the road far. But then put your environmental hat on and ask is scrapping still usable cars a just reason to get rid of them because what pollution will this carry with parts that cannot be recycled when compared to building a complete new car using more resources etc.
Non of it is environmentally friendly just depends what hat you want to wear.
My point is that we are all dictated to for whatever the reason but the bigger picture is overlooked for the sake of profit.
Sorry I will get my coat as I’ve said enough🤣
Yes, good points. There’s always two sides to a story, but like you said, for the sake of profit so much is overlooked. Plus the system is so entrenched now.
Mind you, I’m not into woke environmental trash, so that bit’s lost on me! 
What gets me is the no claims farce.
You are forced to build no claims on each policy you hold.
BUT
An incident on one of those policies affects them all.
Very convenient that no claims can’t be used across multiple policies but claims can !!
They’re both haggle points.
However the brokers always win on the sums, it’s just about them making more or less.
If the renewal is the same or less I stay; if it goes up I look around, fully prepared to walk away.
Parted company with Admiral today, well when my policy is up in 2 weeks time.
They offered a meagre £50 off car and home cover combined to stay. After 8 years they ain’t bothered about losing my custom, says it all really. Don’t care about the why and wherefores of how the do business, to me they are just greedy ***** insert your own word.
You might have done a good thing. In the single occasion I’ve had to deal with them- other than giving them money- they were a nightmare.
I walk away when their high renewal quote can suddenly match a much lower quote.
I can’t stand companies fleecing loyal customers at renewal time.
If the lower quote was available - it should have been offered at renewal time.
Admiral, Aviva and others do multi car policies.
However it may be cheaper to insure separately, especially if one if the cars is deemed a classic.
You can also taper cover to your requirements by adapting value, garaging, mileage etc.
I’d go through a broker like Adrian Flux to do this for you
CBRDEANO this is a very good point. Is there any solicitors on here is this even a legal way of doing things? It shouldn’t be that’s for sure.
Or maybe google them and read their reviews…and then maybe think not lol
Hi.
Please feel free to give us a try for multi car insurance if you wish.
Regards,
Dan.
I always go through Money Supermarket. Insurance companies are evil. Shop around I’m sure there are better deals. Personally I’m with the RAC Insurance around £180 on my 2009 NC but I have full NCB.
I insure my Mk1 Eunos Roadster and my turbo modified Boxster 987 with Footman James for less than £600 a year.
If you had to agree to pay for all damage caused for a year by, say, a 20 year old guy, including any damage to his own car. And you had the choice between covering one guy who was driving a 1.0 litre Micra, and another who was driving a brand new Porsche 911, and another in a 10 year old BMW M3 that’s got a body kit on, remapped, and lowered suspension, which would you choose? If you’d equally happy cover any of those then the premiums should be the same. If you’d feel more nervous with some than others, then they shouldn’t.
I do all the compare sites every year, each year the Compare the market (Meerkat) one, (I hate their ads)
comes up with the better quotes. This year I’ve took one of their quotes and insured my daily driver.
What do you class as full no claims on your NC for £180, I couldn’t get anywhere near that figure even last year with 19 years NCD?
I wished i could get a quote of £180 too, I thought the price I was quoted was really good, it wasn’t the cheapest but it included all of the extras I wanted. At 59 years old and with an unblemished driving record, mileage of upto 8k and living in NE England I dont think Id get any better to be honest. I suppose it depends on your excess, annual mileage and where you live in the country that effects the premium.
Your missing the point. It’s the driver of any of them cars that makes the difference not the car. The problem is our driving test is rubbish, it should consist of levels and at each point it allows for greater power/ more highly tuned cars etc as the cars are not at fault for any accidents it’s the lumatic behind the wheel. The greater the skill set the less risk is present no matter what the vehicle, as the higher skill set will assess the possible risks that the lower skill set person would not even realise was present. Yes it is as much of attitude as well which should also be taken into account when there dishing out potentially life changing licences. The person that thinks it’s fine to smoke the odd joint before possibly driving in the next few hours, or the one that ignore the double white lines because they think nothing will happen or overtaking when they can’t see far enough is the problem, IT ISN’T THE CAR THAT IS THE RISK, IT’S THE PERSON!!