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Insuring Two Vehicles


geoffbeaumont
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I know the topic of insurance comes up regularly, but I don't recall this exact question and I know a few of you do pretty much what I'm planning on.

I've just aquired a little pug 106 diseasel (a whole 1.4 litres of normally aspirated raw power... :blink: ), bought on impulse a couple of days after the rangie failed to get me to work (bad idea when I'm still on probation at the new place :( ). Assuming it passes its MOT tomorrow post-1-1175117139.gif, the plan is to run the pug as my daily drive, insured TPFT for about 15k/year, with the rangie insured for only about 5k/year. Would be useful to have one of the lodgers (only 22) on the pug insurance as well. I'd like to keep the range rover on fully comp all drivers over 25 if possible, but I guess I might have to stick to named drivers on a limited mileage policy?

I've only got one lot of no claims to use.

Range Rover is currently with the NFU, who want, from memory about £180 for just me on the pug and about £300 with the lodger on as well, which doesn't sound too unreasonable, but they don't do limited mileage so the rangie stays at the current premium (about £700) which make is uneconomical to insure both vehicles.

The pug is probably cheaper through a mainstream insurer, but with only one lot of no claims I'm probably best getting both vehicles insured through one company?

Suggestions?

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IIRC Admiral are currently promoting their multi-car insurance on TV.

admiral multicar

I use NFU for my 110 :D

They won't even quote online on the Range Rover (even if I remove all mods from the details). So far, NFU are actually looking very good value for money - the online insurers are all coming out around the £300 mark for just me, using all my no claims, on the pug only...

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if the rangie is over 10 years old you might get it on a limited mileage classic insurance. Worth asking some of the specialist brokers who advertise in the mags.

NFU have always been good to me (as a farmer they better be!) and any new vehicles I get now they give me 60% NCD from the start.

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if the rangie is over 10 years old you might get it on a limited mileage classic insurance. Worth asking some of the specialist brokers who advertise in the mags.

NFU have always been good to me (as a farmer they better be!) and any new vehicles I get now they give me 60% NCD from the start.

I've had only good experiences with the NFU too, so I'm not in any hurry to take my business elsewhere.

Option B is to keep the pug taxed and MOT'd and just put it on the insurance for a week as an when I need it (costs a whole tenner :) ).

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FWIW, I have my 90 insured with SureTerm (just about, been a lot of faffing this year) on fully comp, 3000 miles +2k business miles, 6 years NCD at about £300

I also run the discovery as TPFT with YES with zero no claims at £300 with about 150000 miles. Each policy attracts it's own NCD, so the disco would be cheaper next year.

I have my wife on both policies (and we also have her policy for her micra at about £300 fully comp as her + me).

Could probably do it cheaper, but this was the easiest and cheapest way I could find at the time

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Guest diesel_jim

I'm with the NFU for my Q plate 90. wneh i had my red 90 that i recently sold (woohoo!!!! :D ) i insured it through the NFU. they charged me about £170 for 3PF&T with an agreed value of about £5000

I recently decided to phone all the insurers up that advertise in the LR comics, of the ones that could be bothered to get back to me, only one could undercut the NFU, and that was by £30, so i couldn't be bothered to change.

it was also suprising hpw many of them are "the same company" but advertising using different names. the big ones like Flux, are run from the same offices as others (i forget the names now). but when i rang up they said "ah, we're dealing with that number plate from another office"....

... and proceeded not to bother getting back to me! :angry:

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insure the pug through NFU and keep your ncb on that and insure the RR through someone like Flux on a limited mileage policy. Doesn't have to be a classic car and you'll have no problem with mods. The majority of these limited mileage policys don't give any credit for ncb and don't acrue it either.

Cheers

Steve

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Got two vehicles insured with Flux on limited mileage have always found them helpful and always competitive, especially once you have any modifications. Have insured all sorts of very silly vehicles with them 50s Ford Pop with 3.5 Rover V8 etc, 1760cc Ford Anglia, etc and now Isuzu powered lifted 110 and Series One with Montego Diesel.

Like you have another vehicle for day to day high mileage insured via mainstream broker but haven't investigated this Admiral scheme yet, but I bet they will not insure multiple drivers as they only will want you using one vehicle at a time.

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Guest dew110CSW
but I bet they will not insure multiple drivers as they only will want you using one vehicle at a time.

Wonder what'd happen if the 2 insured vehicles collided? :lol:

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May not be of use to you but Direct line now applies your NCB to multiple vehicles. This is from th direct line web site...

Use your No Claims Discount on your second car

If you are the only person insured on your Direct Line car insurance policy and you purchase a second car that will only be driven by you, we will match your No Claim Discount on the policy for your new vehicle.

In addition we will give you a 10% discount on the additional vehicle followed by 5% every year there after.

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Not sure where I got the figures I had in mind from the NFU above, checked the bit of paper I scribbled on at work today and they quoted £300 for just me, £475 with the lodger - so they're competitive but no more than that.

I need to do some phoning round and checking limited mileage policies, also need to see how much the NFU can get the Range Rover down by if I drop fully comp, all drivers and so on. Would need to go fully comp on the pug then, but that only looks to be an extra £50 or so.

Like you have another vehicle for day to day high mileage insured via mainstream broker but haven't investigated this Admiral scheme yet, but I bet they will not insure multiple drivers as they only will want you using one vehicle at a time.

They will do multiple drivers, they cars don't even have to be registered to the same person (or even driven by a common driver), so far as I could see from the quote forms - they just have to be kept at the same address. I only filled them in for one driver, though, so it might result in 'computer says no...'.

Pug passed it's MOT with no work today, so I'm already quids in on it. Only cost me £180 :)

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