Hi all, recently sold my main car and got myself a cheap grand vitara to drive from A to B with the intention of using the remaining £ to buy myself a drift car/track or whatever I decide. As is always a problem I am a younger drive and was wondering whats the best way of going about insuring both cars ? By looks of it I'm going to have to get named on my vitara and transfer it to my mum as main driver so I can use my two years NCB on an e36 to insure it and keep the price lower but ideally would rather have them both in my name to save all this hassle. I'm 22 and thought it'd be a simpler process by now but apparently not with adrian flux wanting £1600 fully comp for a modified 318ti . Any help appreciated. Cheers, Jonty.
Some insurers will mirror no claims bonus from the main policy to the second separate policy if both vehicles are insured by the same company/broker. Each policy will build no claims separately but they may be willing to give you the discount from the NCB on the other policy. Best to speak with a broker though.
as above, im with safely insured (formally sky insurance) and they mirror no claims of the main policy onto a second one... not sure if its age dependant but worth giving them a call...
Insurance is a nightmare for us younger lot, I'm paying over £800 for my daily 2.2 diesel estate! When I had 2 cars at a time I found having 2 separate policies easiest, but might not be the cheapest. Check with Safely Insured, if they're still using their customer service team from the Sky days then they're brilliant people. Also check about going 3rd party fire and theft, I put most of my cars/ bikes on that as they're worth so little (relatively) they'd only write them off if I tried to claim anyway, maybe anything over £5k in value I'd reconsider. Word of warning with being put as a named driver rather than the main driver, if they find you're the main user of the vehicle they'll weasel their way out of any claim, insurers are snakey.
IMHO If at all possible I'd stay away from mirrored NCB. In my experience it will save you money now but not in the long run as you'll have to keep both cars insured with the same company/broker so it will limit your choice. You'd be better off starting to build up a second lot of NCB to use on your other car. In your case, I know its not ideal but if you can transfer one of the cars to your mum and insure it as a named driver on a policy that will also let you build up your own NCB then that will help. Failing that, 3rd party fire and theft might be the way to go as @PanozGTR mentioned. Certainly worth a call to Sky (didn't know they changed their name), talk to them like human beings and they'll do their best to help.
In the end I took a specialist policy out for £850 fully comp a year on my e36 (engine swapped etc) and used my two years no claims on it, my daily vitara I insured with admiral or someone and started again with my no claims, £700 but it was at £400 with two years no claims so suppose that'll just go down with time. I suppose I took your advice by accident haha.
