Insurance for 2nd car? - Page 2

hogweed · 2nd April 2018, 22:30

Quote:

Originally Posted by Typhoon190

No claims discount is a sales gimmick, that's why the 'mirroring' of NCD is offered to a customer the insurance company considers low risk I'd imagine. I got this with my project cars.

Well, that's what I always thought Ben - I have like 40 years' no claims, so you'd think I'd be a desirable customer

hogweed · 2nd April 2018, 22:37

Quote:

Originally Posted by SCP440

A lot of insurance companies will do this if you have a cleanish record, use a decent broker and they will sort it out for you.

I have a boringly clean record - one SP30 3½ years ago; last claim was 1975 I think

mind you, that was a total write off of my Celica (the original one), and a metallic fern green Vauxhall Viva, driven by our local councillor. He did a U-turn in front of me when I was overtaking him sedately at 85 or so in a 30.

The Viva tore in half at the bulkhead, leaving his feet sticking out, as I remember. Nobody was wearing seat belts, but no injuries... see, I wasn't always a boring old f*rt...

maxi_crawf · 3rd April 2018, 11:41

I was (and still am) insured with Hastings direct, I had the maximum no claims in my 75 conny cdt and a couple of years ago came down with mid-life crisis and bought a 190 but of course had no NCD on the 190 so I enquired with Hastings about 'Mirrored insurance' they have 'Multicar insurance' and as long as I keep the first car insured with them they will give the same NCD on the MG as the 75, you don't have to start afresh with the first car's insurance, that will run for as long as it originally would have.

hogweed · 3rd April 2018, 13:57

Thanks for all the helpful replies - but, after a 200-mile round trip to look at the car, the guy has now decided he wants to keep it

So... topic closed, unless anybody else is interested...

Parisien · 1st October 2020, 18:32

Just to re awaken this thread, firstly tried our regional classic car people Autoline, x 2 times were to ring me back but didn't (disappointed TBH) , plus needs to be 20yrs old, then tried my current insurer, Privilege, asked for "mirrored" NCB (we have multi-car policy with them) , but they don't do that and quoted £280, Adrian Flux wanted £350 and assured me I wouldn't get a better quote!

So I went on comparethemarket, £291, hhhmmm, stuck her indoors on it, £211 with 5k miles and £15 for basic annual breakdown cover, pretty pleased, AA were the insurers.

P

Pueblo_Boy · 1st October 2020, 22:49

I'm another one that doesn't understand how insurers work! If I am insured say third party, why does that not apply to all my cars? There's only one of me, I can't drive two cars at once, so where exactly is the extra risk to the insurance company that I will have an accident? Why is it the car that is insured, and not me, especially for just basic third party insurance?

Sounds like a rip off to me...

Discofan · 2nd October 2020, 07:16

Classic policy for my Mk1 Mini costs me £92 annually.

Agreed value (£14k) limited mileage (3000) but it never does even 1000 miles a year. Tax and now MOT exempt, its a cheap to run classic.

Pueblo_Boy · 2nd October 2020, 07:18

I think I'm being penalised for where I live...can't see any other reason for high premiums...post code lottery!

steve-45 · 2nd October 2020, 08:06

Quote:

Originally Posted by Pueblo_Boy

I think I'm being penalised for where I live...can't see any other reason for high premiums...post code lottery!

Oh yes, your postcode now seems to be the biggest factor as far as insurance is concerned.
This even applies to house insurance, I am told that I am in a flood risk area due to people at the bottom of the hill having the same postcode as me at the top of the hill.

Parisien · 2nd October 2020, 08:09

Just to be clear, this was for an additional car, my 25yrs NCB is on my other main car,

P

3rd April 2018, 13:57	#14
hogweed I really should get out more....... Vauxhall Insignia CDTi; MG TF 135 Join Date: Jan 2010 Location: Norn Iron Posts: 2,958 Thanks: 942 Thanked 378 Times in 297 Posts	Thanks for all the helpful replies - but, after a 200-mile round trip to look at the car, the guy has now decided he wants to keep it So... topic closed, unless anybody else is interested... __________________ Past cars: MGB GT; Escort 1300 Sport; Vauxhall VX4/90; Marina Coupe TC; Celica ST (1972); Montego Turbo; Astra GTE 16V; Astra GSI 16V; Golf GTI 16V (Mk II); Sierra XR4x4 Estate; BMW 325i (E30); BMW M3 3.0; BMW M3 3.2 Evo. Left some of the more embarrassing ones out. And about 30 motorbikes.

1st October 2020, 22:49	#16
Pueblo_Boy Loves to post Rover 75 Tourer Join Date: Nov 2018 Location: Sauchie Posts: 370 Thanks: 66 Thanked 56 Times in 36 Posts	I'm another one that doesn't understand how insurers work! If I am insured say third party, why does that not apply to all my cars? There's only one of me, I can't drive two cars at once, so where exactly is the extra risk to the insurance company that I will have an accident? Why is it the car that is insured, and not me, especially for just basic third party insurance? Sounds like a rip off to me... __________________ 24,658th 75 Tourer made, out of 27,407 136th Tourer CDT Contemporary SE (135hp) out of 364 194th 75 Tourer in Firefrost Red out of 518 Firefrost Red 75 Tourers Interior Trim Sports PPH Black, but now with real walnut wooden trim! One of only 20 on the road!

2nd October 2020, 07:18	#18
Pueblo_Boy Loves to post Rover 75 Tourer Join Date: Nov 2018 Location: Sauchie Posts: 370 Thanks: 66 Thanked 56 Times in 36 Posts	I think I'm being penalised for where I live...can't see any other reason for high premiums...post code lottery! __________________ 24,658th 75 Tourer made, out of 27,407 136th Tourer CDT Contemporary SE (135hp) out of 364 194th 75 Tourer in Firefrost Red out of 518 Firefrost Red 75 Tourers Interior Trim Sports PPH Black, but now with real walnut wooden trim! One of only 20 on the road!

3rd April 2018, 11:41	#13
maxi_crawf Posted a thing or two R75 Saloon Conn CDT SE, MG ZT190+ Join Date: Nov 2006 Location: Kingston-upon-Hull Posts: 1,960 Thanks: 823 Thanked 426 Times in 274 Posts	I was (and still am) insured with Hastings direct, I had the maximum no claims in my 75 conny cdt and a couple of years ago came down with mid-life crisis and bought a 190 but of course had no NCD on the 190 so I enquired with Hastings about 'Mirrored insurance' they have 'Multicar insurance' and as long as I keep the first car insured with them they will give the same NCD on the MG as the 75, you don't have to start afresh with the first car's insurance, that will run for as long as it originally would have.

1st October 2020, 18:32	#15
Parisien Regular poster Rover 75 saloon 2006, MG ZT 190+ 2002 Join Date: Aug 2020 Location: N Ireland Posts: 40 Thanks: 45 Thanked 5 Times in 5 Posts	Just to re awaken this thread, firstly tried our regional classic car people Autoline, x 2 times were to ring me back but didn't (disappointed TBH) , plus needs to be 20yrs old, then tried my current insurer, Privilege, asked for "mirrored" NCB (we have multi-car policy with them) , but they don't do that and quoted £280, Adrian Flux wanted £350 and assured me I wouldn't get a better quote! So I went on comparethemarket, £291, hhhmmm, stuck her indoors on it, £211 with 5k miles and £15 for basic annual breakdown cover, pretty pleased, AA were the insurers. P

2nd October 2020, 07:16	#17
Discofan Loves to post (Land)Rover Freelander 2 Join Date: Jan 2015 Location: Stuck in the 1980's Posts: 477 Thanks: 118 Thanked 135 Times in 94 Posts	Classic policy for my Mk1 Mini costs me £92 annually. Agreed value (£14k) limited mileage (3000) but it never does even 1000 miles a year. Tax and now MOT exempt, its a cheap to run classic.

2nd October 2020, 08:09	#20
Parisien Regular poster Rover 75 saloon 2006, MG ZT 190+ 2002 Join Date: Aug 2020 Location: N Ireland Posts: 40 Thanks: 45 Thanked 5 Times in 5 Posts	Just to be clear, this was for an additional car, my 25yrs NCB is on my other main car, P