We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Car insurance.

pewe
pewe Posts: 47 Forumite
Does anyone know of any insurance company that will offer a good discount to insure a second car.

Some years ago I had car insurance with company A and when I bought a second vehicle Company A wanted the full premium with no NCD for the second vehicle, but I went to Company B and they gave me 60% introductory discount for the second vehicle - but they are not doing that anymore.

Comments

  • foxy-stoat
    foxy-stoat Posts: 6,879 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Just do the normal compare the meerkats quotations, if they are a lot more than you are expecting, try a broker, or Admiral.
  • Rambosmum
    Rambosmum Posts: 2,447 Forumite
    Part of the Furniture 1,000 Posts
    You can't use one no claims discount on a second car - you can only use it on one car.

    We have had admiral multicar previously and currently have Aviva multicar - which was much cheaper than any other and we got cashback.
  • facade
    facade Posts: 7,966 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    eSure do multicar, and mirror the no-claims off car A to car B

    Whether this means that at renewal car B will have a full no-claims to tout elsewhere I don't know, I was told it would.....
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science ;))
  • facade wrote: »
    Whether this means that at renewal car B will have a full no-claims to tout elsewhere I don't know, I was told it would.....

    It won't, in practice, even though I've been told the same thing. Truth is that call handlers don't fully understand mirroring and NCD - which doesn't help.

    In my case I had a renewal letter clearly state '9+ years', which I assumed was correct, but the new insurance company only took 1+ year because it's mirrored. They didn't look at the letter - because NCD is handled electronically behind the scenes between insurers - and obviously that contains more information than the renewal letter.

    Still got the insurance for under £150 - but even so...
  • facade
    facade Posts: 7,966 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    In my case I had a renewal letter clearly state '9+ years', which I assumed was correct, but the new insurance company only took 1+ year because it's mirrored. They didn't look at the letter - because NCD is handled electronically behind the scenes between insurers - and obviously that contains more information than the renewal letter.

    Still got the insurance for under £150 - but even so...

    Grrr!

    That means that I need to look for the letter from my old insurer with 4 years against my car B, for when eSure double the price next year.

    I doubt that they will have recorded my 4 years from my old insurer, as they never asked for it, even if everything is electronical.....;)
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science ;))
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.5K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.6K Work, Benefits & Business
  • 603K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.