Multi car insurance - best way to buy?

WestonDave

Admiral do a lot of marketing for their multicar policies - might be worth a look. You can't quote multicar policies on most of the usual comparison sites.

garethhanson

Yeah, I tried a few comparison sites. They let me get all the way to the end of the process just to tell me they couldn't provide a quote - very frustrating. Think I had the same with Direct Line too. I think I may have to phone rather than going for the online quote thing.

6am

Small update.

I called Direct Line and they said unless I was already on their policy they will not give me a discount for driving as a named driver. Coop's online quote was in the region of 1100 for one car, I did not bother to call them after that. Admiral's multicar quote was 1300 for two cars.

I then made quotes through comparethemarket, gocompare, confused and moneysupermaket. The results are all similar there is no point to use multiple sites.

At this point I was considering yesinsurance for 500 pounds but after reading reviews decided I do not want to deal with them. In the end I bought insurance from Direct Line for 650. Not the cheapest but we dealt with them before and had a good experience. I will be a named driver again but at least I will get my own ncb on Direct Line policy.

After looking at results of search I started to wonder about competition in the insurance market. Almost all top positions where occupied by companies administered by BISL (yesinsurance, barclays, loyds, M&S, hsbc and many others). They give slightly different quotes (10-20 pounds difference) and give an impression of competition in the market place but in reality it is just one company behind. Am I correct in this conclusion?

fozzeh

Although not massively loved by everyone (myself included), Swiftcover do this. I have 8years NCD on my Polo and they mirrored that up to their maximum (5 years) on the C Max. If I stay claim free, I will have 9 and 6 in January.

mikey72

Do you mean you bought insurance in your wife's name online, putting her down as zero ncd, with her as the main driver, and you as a named driver on this car as well?

mildred1978

mikey72 wrote: »

I've never found a multi car policy that's cheaper than individual ones.

.

I have. Saved £5-600 this year with a multicar policy over individual costs (3 cars).

6am

mikey72 wrote: »

Do you mean you bought insurance in your wife's name online, putting her down as zero ncd, with her as the main driver, and you as a named driver on this car as well?

Yes, this is what I did. It was a cheapest option. She has her license longer then me. If she is a main driver the insurance is cheaper.

mildred1978

6am wrote: »

Yes, this is what I did. It was a cheapest option. She has her license longer then me. If she is a main driver the insurance is cheaper.

Is she actually the main driver of both cars though?

6am

mildred1978 wrote: »

Is she actually the main driver of both cars though?

We share cars in the same proportion. But most companies do not allow to specify this kind of usage therefore I have to pick one of us to be a main driver. Do you think it may raise unnecessary questions in future?

mildred1978

6am wrote: »

We share cars in the same proportion. But most companies do not allow to specify this kind of usage therefore I have to pick one of us to be a main driver. Do you think it may raise unnecessary questions in future?

I'd have thought it was unusual for a couple to have 2 cars and not be main driver of 1 each personally. I don't think 'fronting' comes into it when it's husband and wife, but it still looks odd to have 2 cars and 1 person who drives each more.

Although in my case, now that I don't work, I suppose my OH drives 2 of our cars most of the time, and I drive the other almost exclusively. I think they're insured with me being main driver of 2 of them though because when I was working, and OH was based from home, I was commuting in one or other of them.

I'm confusing myself now! :rotfl: