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  • FIRST POST
    • uknick
    • By uknick 11th Oct 17, 10:42 AM
    • 711Posts
    • 319Thanks
    uknick
    Multicar Insurance
    • #1
    • 11th Oct 17, 10:42 AM
    Multicar Insurance 11th Oct 17 at 10:42 AM
    I'll soon have two cars to insure.

    I've had quotes from Admiral and Aviva for a true multi car policy, i.e. no claims bonus is put against both cars.

    Any other suggestions?
Page 1
    • ilikewatch
    • By ilikewatch 11th Oct 17, 11:10 AM
    • 1,044 Posts
    • 1,237 Thanks
    ilikewatch
    • #2
    • 11th Oct 17, 11:10 AM
    • #2
    • 11th Oct 17, 11:10 AM
    Personally I've never found a multi-car policy to be cheaper than insuring our cars separately, in fact it has normally proved significantly more expensive. However, I'm sure that others experiences will vary.
    • onomatopoeia99
    • By onomatopoeia99 11th Oct 17, 12:42 PM
    • 3,634 Posts
    • 7,995 Thanks
    onomatopoeia99
    • #3
    • 11th Oct 17, 12:42 PM
    • #3
    • 11th Oct 17, 12:42 PM
    "Multicar" is a promotional tool aimed at sucking all of your insurance in to one company.

    At least some insurers will mirror your existing no claims on a car insured with them if you insure a second car. It's certainly worth asking your current insurer.

    In recent years I've found the "red telephone" very competitive and at the moment all three of my normal road vehicles are with them.
    INTP, nerd, libertarian and scifi geek.
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    • Ebe Scrooge
    • By Ebe Scrooge 11th Oct 17, 1:04 PM
    • 4,016 Posts
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    Ebe Scrooge
    • #4
    • 11th Oct 17, 1:04 PM
    • #4
    • 11th Oct 17, 1:04 PM
    I've had quotes from these multi-car places a few times over the years. Without exception they have always been more expensive than insuring each car individually.
    I may not know much about art, but I know what I like.
    • marlot
    • By marlot 11th Oct 17, 2:08 PM
    • 3,136 Posts
    • 2,278 Thanks
    marlot
    • #5
    • 11th Oct 17, 2:08 PM
    • #5
    • 11th Oct 17, 2:08 PM
    I saved money taking the cars from multicar to individual insurances a couple of years ago. Then saved money at last year's renewal by moving them all back to a multi car!

    Neither is guaranteed to be better value!
    • Quentin
    • By Quentin 11th Oct 17, 2:21 PM
    • 33,584 Posts
    • 17,463 Thanks
    Quentin
    • #6
    • 11th Oct 17, 2:21 PM
    • #6
    • 11th Oct 17, 2:21 PM
    I'll soon have two cars to insure.

    I've had quotes from Admiral and Aviva for a true multi car policy, i.e. no claims bonus is put against both cars.
    Originally posted by uknick
    Both those policies normally operate separate NCD for each vehicle. Have you got a special deal??
    • marlot
    • By marlot 11th Oct 17, 7:43 PM
    • 3,136 Posts
    • 2,278 Thanks
    marlot
    • #7
    • 11th Oct 17, 7:43 PM
    • #7
    • 11th Oct 17, 7:43 PM
    Aviva have matched the full NCD onto a new car for me a couple of times. First when I opted out of the company car scheme (they gave me the same max NCD as my wife), and then again when I bought a little mx-5 as a runaround. But on both occaisions my wife or I was an existing customer
    • marlot
    • By marlot 11th Oct 17, 7:44 PM
    • 3,136 Posts
    • 2,278 Thanks
    marlot
    • #8
    • 11th Oct 17, 7:44 PM
    • #8
    • 11th Oct 17, 7:44 PM
    I'll soon have two cars to insure.

    I've had quotes from Admiral and Aviva for a true multi car policy, i.e. no claims bonus is put against both cars.

    Any other suggestions?
    Originally posted by uknick
    With Aviva, each car has its own NCD - but they may match the existing one onto a new policy
    • Ectophile
    • By Ectophile 11th Oct 17, 9:47 PM
    • 2,828 Posts
    • 1,743 Thanks
    Ectophile
    • #9
    • 11th Oct 17, 9:47 PM
    • #9
    • 11th Oct 17, 9:47 PM
    I'm with Hastings Direct. They do have a multicar system, but it's anyone's guess how much it saves. I'm only with them because they are reasonably cheap anyway.

    But be aware that their customer services people get confused by multicar policy numbers. Every time I phone, they have to put me through to a specialist department.
    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
    • uknick
    • By uknick 12th Oct 17, 9:17 AM
    • 711 Posts
    • 319 Thanks
    uknick
    Thanks for the input.


    I've had quote from Aviva at about £640 to cover both cars; individually insured the cost is about £750 if I leave my current policy as it is and separately insure the second car. My current insurer, Tesco, doesn't give discount for a second car.


    But, from what you've said, I'll phone around to see if insurers offering discount on a second car come out cheaper.
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