I’m sure I’m not the only one here who has many vehicles within their ‘fleet’.
I have 6 vehicles consisting of:
A 1995 Honda FireBlade 25 years NCB £130 a year
A 2007 Honda Fireblade 25 years NCB £170 a year
A 2006 Audi TT 3.2 soft top 20 years NCB £270 a year
A 2006 Mazda MX5 2.0 sport 0 years NCB £260 a year
A 2011 Vauxhall Corsa Diesel 2 years NCB £250 a year (yep, more expensive than the mx5, how i don’t know)
A 2012 Vauxhall Zafira 1.6 20 years NCB £190 a year
2 drivers.
Me (46) 29 years no claim/points
Wife (46) 24 + years since last fault claim, 2 years since a no fault claim. No points
I have to look around for deals on all the policies every year and just wish there was a way of insuring the lot in one go. I’ve looked at multi car policies, Almost always are more expensive and tie you in to one company but keep the same structure and I have to specify who is the main driver on each car, which has what NCB, which are garaged and how many miles for each vehicle. Surely there must be a way for us to insure all the vehicles with a combined mileage total of about 20,000 a year, I’ve looked but can’t seem to get anywhere
There are plenty of multibike insurances to choose from but cars are a different matter. I have four motorcycles on one policy for around £200. My two cars are insured separately because I couldn’t find a multicar policy that worked out cheaper than two separate policies.
Thanks everyone for your replies, seems Admiral are well liked
so I’ve just obtained a quote from Admiral for all four cars.
£885 for a full years cover, which is about £100 cheaper overall. i’ll have to adjust that to cover the differing renewal dates.
Another question. What are they like come renewal time? Most insurers I have come across ramp the price up in the second year, is this true of them also?
First off did you speak to them via phone or just an online quote?
Getting a quote via phone I’ve found gives you the bargaining power, they won’t want you to put the phone down without a deal. You have the ideal situation for a price haggle.
On the renewal side, mine came through and I just rang them up and told them I wasn’t happy, they need to sweeten the price to keep me, job done and a price i was happy with but i know we shouldn’t have to do it.
I’ll give that a try when I re-insure the Corsa, Aviva are being very competitive on the multicar front for me too, £701 for the year which is very nice
If you can save money with multicar, why not? But be prepared to unbundle it or move it the following year. I did it with Admiral on 3 cars a few years back, and the following year it looked expensive so I moved again…
I like the way LV= do it. If you have other cars with them, on a new quote they knock £20 per extra car off. A couple of years ago I had all three with LV=, but after a couple of years of small increases and then a larger one, they became expensive. Now using Aviva.
I’ll go through all the options when the Corsa comes up for renewal soon then. It seems a shame they all seem to be obsessed with insuring the car rather than the driver. We can only drive 2 of the 6 at once and when we are not they are parked off road or garaged.
I’ve never been a fan of Multi Car schemes as they tie you into one insurer and they are one of the most disloyal businesses around when renewal time comes. Having said that I have managed to keep our Mazda and Honda with Directline for the last couple of years and their renewals have been fair so far. I did try to add our lowly old Fiesta as a third car to it though and they wanted a ridiculous amount. It seems the insurers aren’t keen on Corsas and Fiestas!
Mazda MX-5 NB 1.8i
Renault Trafic 2.0D
Fiat Panda 1.2
Fiat Panda 1.3D
Suzuki Swift 1.0
Liege (993cc supercharged sports car)
Honda CB750 Nighthawk
Royal Enfield Bullet 350
Just realised why I’m often skint!
A DL insider (my son) advised me at lunchtime today that multi-vehicle cover is a “hot topic” with many insurance companies, including the one he and his partner works for, so we all might have more choice very soon. As mentioned above, DL already give an extra discount for more than one vehicle and I’ve found them reasonably priced when it comes to renewal time. As for cover for modified or unusual private vehicles… from our recent experience of trying to insure the Renault Trafic with them, probably easiest to go elsewhere.
The whole thing is a mess really. Do the insurers make more money from it being a pain? Are there enough people that don’t bother comparing every time renewal comes up?
It’s so frustrating. The whole protected NCD thing bugs the hell out of me too, surely the whole point of a no claims bonus is that you maintain a discount because you haven’t crashed into anything recently. So here i am having been a safe and responsible driver for a very long time. I acquire another car but apparently because I only hold 3 policies it I have to start at 0
Worse still was that when I got my 5 the quote for my wife who has had a claim in the last 3 years was £50 cheaper. How does that even work?
I’m thinking that it’s the type of car that’s the problem. If there have been a lot of claims involving a particular model of car then it gets a higher rating than one that hasn’t. Many young drivers opt for cars such as Corsa or Fiesta so, (assuming that converts into more claims), they will be proportionally more expensive to insure, but put a young driver in something they wouldn’t normally drive and the premium could be far cheaper. My kids when they were 18 could insure a BMW much cheaper than a Corsa for example. It was all to do with the risk according to how they analysed the data apparently.
If there is a possibility of a “young driver” going solo when piloting the missile, then the insurance premiums rocket.
When Hon No2 Daughter was learning to drive, the premium on my Astra went from 180 to 340 with her as a named driver, understandable. However, after she had passed (and taken the optional extra course) the renewal quote went up to 950, simply because she would be on her own in the car, and the optional extra course was deemed irrelevant. Naturally I did not include her and my insurance went down to 180 again, this was Direct Line.
Two years later, now 22, when she bought a Montego Estate (!) as a run-until-Tax&MOT-expire-then-scrap, she was able to insure it herself for just 200, surprisingly with Direct Line.