Best way to insure two cars?

Thread in 'Other Chat' started by Sluby, Jun 7, 2021.

Tags:
  1. Sluby

    Sluby New Member

    Joined:
    May 10, 2021
    Posts:
    1
    Likes Received:
    0
    Location:
    UK
    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.
     
  2. Tommy59

    Tommy59 Active Member

    Joined:
    Jan 4, 2015
    Posts:
    248
    Likes Received:
    40
    Location:
    Milton Keynes
    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.
     
  3. jackyg rs

    jackyg rs Member

    Joined:
    Mar 12, 2013
    Posts:
    166
    Likes Received:
    15
    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...
     
  4. PanozGTR

    PanozGTR Member

    Joined:
    Jan 4, 2018
    Posts:
    169
    Likes Received:
    16
    Location:
    East Sussex
    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.
     
  5. longsh07

    longsh07 New Member

    Joined:
    Apr 26, 2021
    Posts:
    8
    Likes Received:
    1
    Location:
    Bedfordshire
    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.
     

Share This Page