Hi Folks,
I’m hunting for insurance for my ND and I’ve run into a pitfall in second car ownership. I’m trying to find an insurer who will mirror my NCD from my Punto box onto the Mazda so I don’t have to spend £185 to take it off the Punto. Has anyone had any experience with this?
Rob
Have you tried the various insurance comparison sites?
You have got it the wrong way round as most people do when insuring a second car.
You are looking for the cheapest price for the level of cover you require, it does not matter one iota if you get a mirrored NCD or not.
If the price suits just buy from the cheapest vendor.
I have a cheapest price in mind from ringing round various insurers and checking comparison sites along with the cost of removing the NCD from my existing car. That’s my “target price” for insurance. If I can find an insurer willing to mirror the NCD or insure both cars for less than that then great, otherwise Aviva and forking over another £180 to Hastings it will have to be. I have thought about this.
Whenever I’ve bought a second car I’ve always found that you end up with one or other having to start from scratch. So it was a case of ring round to get the best deal.
It sounds to me like you need some from of multi-car policy.
I’ve seen ads on TV for Admiral Multicar, but I would have thought that other companies would do something similar.
I have not had a car of my own for over twelve years, because I have had the use of all of my wife’s company cars during that time. So when we bought an MX-5 last October, to use as a second car, we had to start from scratch, because we had no proof of no-claims. Direct Line did our insurance for £316.00, which we thought was great value, as we were expecting to get completely screwed ! OK, so we are both over 60, which was probably in our favour, but it might be worth giving them a try.
Chris Phillips.
Admiral does sound like it might be the best bet. Aviva gave me the best price on the Mazda alone and might be willing to give me all or part of my NCD on the FIAT since they also do multi-car policies. I think Adrian Flux might be willing to do this as well but their best quote on the Mazda was north of £600 which is more than the cost of the £580 target.
Best to ring around and talk rather than do the compare thing over the internet.
I can’t remember which company I had insurance with that actually mirrored my NCD on the main car over on to the Mk3. Of course they will most likely try and get as much out of you citing this or that, even which way the wind is blowing these days has a bearing on price
I have a 2014 sport venture 2.0ltr and a 1990 1.6 Eunos and pay around £240 for the new one and £115 for the old one, moved my full NCD from my previous car to my new Mazda and started again with the old Eunos, Churchill insure my new Mazda and Lancaster insure my old Eunos if that makes sense.
I did try to get quotes from both my insures to cover both cars together but it was cheaper to do them separate.
Admiral were willing to honour my NCD but their base quote was crap at the end of the day (even the excellent quote on my FIAT wasn’t enough really). Aviva were willing to mirror 2 years (because I rear-ended a beemer in 2013) but only if I took my Mother off the insurance, which put the price up by more than the NCD !
It’s looking like cancelling my current insurance, getting my £130 back and going with Aviva, but I’ll see what eSure have to say for themselves. For the record in case someone comes across this thread in the future, both Aviva and Admiral were willing to either mirror or honor the NCD.
EDIT: Surprise late entry eSure are willing to mirror my NCD and offered me the lowest quote on my FIAT. They couldn’t quote me on the Mazda because I don’t have the registration number yet but if it comes in at sub £500 then the joint policy cost is going to be the lowest.
Hi,
I’m sorry we couldn’t be more competitive but thanks for giving us a try.
Regards,
Dan.
We are with AXA and they have mirrored our NCB twice.
Once on our ND and this week on our Indiana.
No worries, I’ll keep you in mind for the future.
Mine are mirrored with LV they will give you your full NCB from your current vehicle, only condition is you must not have had a claim (actually they mean incident) in the previous 12 months. They will also give you further discount based on having multiple policies.
My MX5 despite not doing loads of miles has the NCB and the BMW got the mirrored set.
It’s horse for courses really with insurance companies. I was with LV quite a few years ago for two cars and home insurance, they got too expensive on their renewals, hence I left. Before I decided to go elsewhere I sounded them out asking, do you want to lose three insurance policies in one fell swoop? they didn’t really bother so I moved on.
Went back to them for just car insurance around 4 years ago but it wasn’t long before they upped the prices too much for me to ignore. I’ve never moved so much with my home insurance (not LV) they consistantly send my renewals through with miniscule price rises, so I stick.
BTW I’ve never claimed in around 26 years on any insurance, so why the sudden increases happen but I guess we all pay for others accidents/misfortunes or whatever causes these claims.
In this era of switch, switch, switch, insurance companies, along with gas, electric, phone, banks etc etc, know they are going to win some and lose some, and I don’t think they give a XXXX for loyalty.
I’m 62, and from the generation that stuck with providers of such things, unless something drastic happened, and it is still difficult for me to get my head around regularly switching. The last time my wife and I switched electricity and gas suppliers, we had a four-month-long battle with them, because they insisted, despite photographic evidence to the contrary, that we had a different meter than we actually did, and tried to bill us over £1,000.00 for unpaid energy.
Because my wife has had company cars for the last twelve years, and I don’t really need a car anyway (I work from home), we haven’t had car insurance in our own names for all of this time. Last October though, we bought an MX-5 as a second car, and therefore had to buy insurance for the first time in over a decade. We got what we thought was a good deal (£316.00 fully comp from Direct Line, with no proof of no-claims), but bearing in mind warnings from members on this forum, we will be watching the renewal quote very closely come this October, and I am quite expecting to have to switch, because that seems to be what they do - give cheap cover for the first year, and try to screw you the next
Watch this space !
Chris Phillips.
Old Cynic !
^^^ My best saving this month and totally off topic but relevant…
Popped into my local Tesco and whilst there asked the phone shop in there, how do I cancel my SIM only contract with you. The end result without really trying is, I came out still a Tesco phone customer but instead of paying £18 per month for two phone Sims I now pay £4.
It pays to talk.
Esure ended up with a similar price to Aviva but they were willing to do a true mirror on my Mazda so that after a year I’ll get 6 years NCD on both cars. The customer service team were great by the way, fully recommend them.
LV have tried every year I do a few new customer quotes prior to the renewal on both occasions the renewal was much higher, but they all do it and automatic renewals are the devil for many.
The 5 was not much higher about 75 pounds higher, the BMW was over £500 higher. But I come back to the original point they all do it at renewal (hence why the abi are pushing them to integrate previous years cost on renewals).
The problems come when you call as some refuse to match, LV for me have never had a problem and in both instances I have never had a problem.
If focusing on pure cost then insurance policies are never the same in standard form, hence I stay with LV the cost is higher I admit but the standard level of cover is not bad and the options are not excessive. One of the others Aviva I would consider was virtually the same cost wise in the end by the time accounting for the policy cover was taken into account (as well as those with onerous policy terms) and not having to deal with a call centre in India…