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Last month I picked up a new car to replace my Seat Ibiza Cupra which was off the road. At the time I had to transfer my 11 years no claims onto the new car, which meant I insured the new one, a boxter s, for around £320 fully comp...bargain I thought.
Now I've decided to get the Ibiza back on the road for bike carrying duties. I'm told that since I'm using the no claims on the boxter I have to insure the Ibiza with 0 years no claims. Turns out its going to cost me more to insure 3rd party than the porsche does fully comp.
Any options available to me to cheapen the costs?
ta
Multicar deal with your insurer?
I use AVIVA, they mirrored my bonus on the second car !
Mick
Certain companies will mirror your NCB, I did this last time I had the track car on the road, it was via a specialist though due to how modified the car was.
Just ring around a few companies or a broker to find someone who'll do it.
No advice, but that is really crap.
The NCD should be applied to you, not the vehicle, surely?
If you insure more than one vehicle, the discount should be applied to the cost of insurance for each vehicle.
No wonder everyone hates dealing with car insurance.
Also - don't assume that 3rd party is cheaper than Fully Comp.
thanks folks. The deal on the porsche means a multi car offer isnt cheaper (one ive paid out to break the contract)
Total con, its not as if i can drive 2 cars at once!
The NCD should be applied to you, not the vehicle, surely?
+1
It's a con. You can only have any NCD count towards one car but any claims or convictions count against every car you would want to insure.
Very much a con. Up until earlier this year I had 3 different NCB. 2 motorbikes and one car (that me and my wife alternate insuring yearly).
Nightmare if I have an accident, as it will affect all 3 NCB even between bikes and car. Even worse is I could not even be driving and all my NCBs hit, say if my wife who is named driver had an accident in the car, I'd be stung for 5 years on 3 policies!
They are a law unto themselves. Unfortunately its probably partly due to a lot of untruthful/fraudulant insurance + injury claims. I expect 1x£50,000 claim will be a number of years of premiums to recoop
Yes its a PITA and I am in the same position. The multi-car policy companies are not competitive on sports cars. I was told some companies will be an introductory special discount / NCB transfer but have yet to investigate further as I haven't bought the second car yet.
Try Adrian Flux
They mirrored my NCD when I insured the Van
Also how about putting the NCD back on the Ibiza and putting the Boxster on Cherished / limited mileage insurance if that's suitable ?
I have 3 cars insured through Saga and they allowed me to keep my NCB across all three cars..
Bike rack on the Boxter and sell the Ibiza?
They are lower than the lowest form of life...
Just about every stunt they pull breaks EU laws on how they must operate but the ombudsman won't touch them.
You NCB is by law supposed to be applied to you NOT the vehicle.
Just like any points are only valid for 3yrs but they make it a "contract term" that you have to declare them for 5yrs.
I actually had one "Senior Manager" at Hastings try to tell me that the 5yr thing was LAW until I advised him that the person sitting next to me was a serving traffic officer and he was on speakerphone......
Yep it's a con, and I won't go into the rights a wrongs. But when I have added a car, assuming the porsche is not a daily driver, move that to a specialist insurer who will mirror your regular no claims (many due if its not a DD and has limited mileage), then move the seat to the regular policy.
Will cost the admin fee for change and new policy. You will then have two policies with normal cars, and a specialist policy all building up no claims - the latter will often allow add ons like track day cover etc.
Have a look on some forums for recommended insurers.