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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 3993

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black
Insuring multiple vehicles
What is the best way to go about insuring more than one car? I'm wanting to get a small hatchback for commuting so I can use the Defender a bit less for mundane stuff. I just got an insurance quote for a car I'd seen (value £1500) and they were all over £700! I think this is because all my ncb is on the Defender so I'll be starting from scratch with second car. So, I'm probably doing this wrong. What should I do to get the best value insurance across two vehicles? 2007 110 TDCi Station Wagon XS
Post #597238 29th Jan 2017 11:40am
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Froglaise



Member Since: 24 Sep 2016
Location: left forum
Posts: 212

I think Aviva's multi-vehicle policy is good. Can fully customise it anytime online adding cars, deleting cars...same with mods. Price changes reflect straight away in time for next months DD. NCB spread across policy and if you have more than one driver, they are isolated so if one driver has a claim the NCB of the other is not effected. Bonus for me is extender European cover. Worth a look.

I now have 4 cars, inc a defender, on a single policy and it's a lot simpler and cheaper than separate policies.
Post #597247 29th Jan 2017 12:21pm
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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 3993

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black
Thanks Froglaise, I'll have a look at that. European cover on the Def is in important as I'm in France a lot. 2007 110 TDCi Station Wagon XS
Post #597249 29th Jan 2017 12:28pm
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Froglaise



Member Since: 24 Sep 2016
Location: left forum
Posts: 212

Worth mentioning too that I add any mod I make as I go (they have just about everything you can imagine to choose from) and aside from an Alive remap, nothing has made the premium go up yet. Even then it was only £7 over the whole 12 months. I think many other policies fail on this point and with the necessity of security mods etc it's worth being sure the investment in mods are covered.
Post #597254 29th Jan 2017 12:39pm
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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 3993

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black
I need to check, but I think I may be with Aviva now. Hopefully it would straight forward to switch to a multcar policy. 2007 110 TDCi Station Wagon XS
Post #597477 29th Jan 2017 8:51pm
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xcentric



Member Since: 17 Jan 2016
Location: Midlands
Posts: 247

find a good agent, as some will be able to get companies to match your current ncb. I suggest A Plan - we have 5 cars with them and premiums are good (insurers are marker study). Probably cheaper than a multi car policy for us at least.....
Post #597509 29th Jan 2017 10:02pm
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Natlas



Member Since: 20 Mar 2013
Location: West Sussex
Posts: 459

United Kingdom 2013 Defender 90 Puma 2.2 XS CSW Aintree Green
I have used Admiral Multicar with reasonable success but you have to haggle with them every year at renewal time, and probably in your case right at the beginning. I currently have 4 cars with 4 drivers on our policy for £1290. One driver is age 21 and one is age 26 so reasonable I think although the policy does seem to have a few exclusions, and they don't recognise what a Series 1 is. 2.2 90 XS
88" Series One
Old Norton Smile
Minerva
Post #597516 29th Jan 2017 10:21pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 3459

 2016 Defender 130 Puma 2.2 HCPU Santorini Black
NFU do multi car. I can't beat this years renewal for two Defenders and a two Nissan Leaf. 1951 80" S1 2.0
1995 110 300TDI
1995 90 300TDI
Post #610369 18th Mar 2017 6:57pm
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Huttopia



Member Since: 23 Feb 2016
Location: West Midlands
Posts: 1964

United Kingdom 
A plan beat Admiral by £800 over 3 cars.
Post #610406 18th Mar 2017 8:16pm
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