Insurance for a second car (no NCD available)

[strangeangel]

As it says really, I have a conventional policy with full NCD for the 205 but I'm off to look at another, erm, classic tomorrow (1990 2-door cabrio with no sporting pretensions whatsoever).

 

I would envisage that this car would only do a few thousand miles per year, and I've read that some 'classic' insurance policies neither depend on nor accumulate NCD. Any suggestions as to which companies I could try for such a policy please?

 

[gadgetgricey]

To be honest I dont think any of the classic policies use NCD. You just need to have a main car Insured "normally"

 

Dont think you'll have any issues getting a '90 convertible on a classic policy.

 

I think Footman James even do them on line, so you could check now.

 

I'm going to guess Saab for the cabrio.

 

Cheers 

 

Dave

 

Link below for Footman James on line classic quote.

 

https://fjquotesonline.co.uk/CoreQuote/faces/PreQuoteProposerDetails.jsp?Product=1&Style=1&_ga=1.134753592.836649711.1442915869&__utma=228983947.836649711.1442915869.1442918869.1443216790.3&__utmb=228983947.3.9.1443216797514&__utmc=228983947&__utmx=-&__utmz=228983947.1443216790.3.3.utmgclid=Cj0KEQjw4ZOwBRDoxpjAvPXAl5MBEiQAEek_3v2-aQ8v60LfIUnEhG6gT5ykj_AlnCbOhRKm6hcVbGoaAsTf8P8HAQ|utmccn=(not%20set)|utmcmd=(not%20set)|utmctr=(not%20provided)&__utmv=-&__utmk=33140669

[strangeangel]

I'm going to guess Saab for the cabrio.

 

 

I like Saab convertibles, so good guess, but this little feller is a couple of  rungs down the food chain from one of those

[Bear]

Classic policies neither earn, nor use, NCB. However, for '90s stuff it's very interesting. The SLK is referred to as a classic by so many people in theory, but when I tried two major firms they wouldn't quote.

 

However, I'm with Direct Line, and they match NCB across policies (not an issue for me now) if you've one driver - whilst the second car earns NCB to catch up. The SLK costs under £200/year fully comp, Class 1 business use, no mileage limit, overseas cover, etc.

 

Hagerty are good when it comes to claims, as far as I know. FJ and Adrian Flux are okay for cover, but gits when it comes to admin charges. Peter... James? Seems popular with the Triumph lot - anyway, they seem good for younger drivers and having very realistic attitudes to classic cover. Performance Direct (if they're still going) also did classic cover that encompassed younger cars and imports - worked well when I needed to cover a Eunos Roadster when mainstream firms were still being morons about imports.

[vulgalour]

Unless a car is pre 1980 or so I've found classic insurance to be a false economy, which is kind of annoying.  With many it's the same for me to insure a post-1980 car on a restrictive classic policy as it is a regular policy that accrues NCB and whatnot.  If you're using the car as a second vehicle less than 4000 miles a year and keep it at home in a garage you might get  good deal.  If not you probably won't.  Unless you're really old and/or have been driving trouble free for about five hundred years.

[catsinthewelder]

I've had all my cars on a classic policy for the last 5 years,  it's cheaper and far less hassle than insuring any one of them 3rd party only on a normal policy.  It is fully comp but I have no intention of ever claiming on it even if something does happen to one of them. 

[EssDeeWon]

As it says really, I have a conventional policy with full NCD for the 205 but I'm off to look at another, erm, classic tomorrow (1990 2-door cabrio with no sporting pretensions whatsoever).

 

I would envisage that this car would only do a few thousand miles per year, and I've read that some 'classic' insurance policies neither depend on nor accumulate NCD. Any suggestions as to which companies I could try for such a policy please?

 

Try Sureterm. But do not cancel the policy early if you do go with them.

 

I repeat.....Do not cancel the policy early if you go with them. Then all the trouser down and usual insurance bum rapage begins...

[brownnova]

When I insured my MX5 it ended up being much cheaper putting it on a multi car policy, which carried the no claims across both policies.

 

Think that's because I'm under 30 and the car was on the road at the time. On a side note when I changed address the saving of it being in a garage just about covered the admin fee for changing address... Bloody Sharks...

[Andrew353w]

I've just gone through all this rigmarole with my wife's new car! My Citroen Xantia's fully comprehensively insured with the Co-Op for both myself & the current Mrs. H to drive for £196. I've just bught her a 54 reg Skoda Fabia 1.2 and  the Co-Op won't touch it at any price! Blimey, mate, it's a Skoda, not a Subaru! Anyway, back to my friendly local broker, who used to sort out all my insurance, and, surprise surprise, fully comprehensive cover on the Skoda for Ã‚£480, with me owning the car & the current Mrs. H as a named driver. Not too bad; the broker used my N.C.B. as an indication to the new insurer of my previous good driving and both the current Mrs. H and myself are happy!

 

Sometimes you CAN get a great deal the old fashioned way, using a human insurance broker!  

[lisbon_road]

I'd like to insure three classic (more than 20 year old anyway) cars on one policy.  Can anyone recommend a company that does that as I am sure I have heard of them?

 

Perhaps I should just google 'multi chod insurance'.  That should work.

[gadgetgricey]

I know this makes me sound like a bit of a Footman James fanboy, but it was on the recorded message when I rang them the other day.

According to the message, they do a multi car classic policy. Don't know any more than that though.

 

Cheers

 

Dave

[flat4alfa]

As stated above, start a Classic 3k policy and build up your rep on that over the years.  NCD (in the UK) can only apply to one vehicle.  Which is daft as it is the person not the car that gains the rep and therefore bonus but hey ho, even our PM shags pigs.

 

A 1990 is going to be easy to put on Classic

 

Use Richardsen Hosken R&H - they don't rape you with charges and you can move cars on and off with out fuss.  I've been with them 11 years now and have had five motors on that one policy at one time.  Just one had to be nominated garaged.  The rest promised curfew on drive overnight.

£80 per car, fully comp, 3k a year, Green Flag breakdown cover Europe thrown-in.  

[taxi paul]

I am with Admiral and after some " negotiations" they agreed to mirror my 15 yrs no claims onto my Rover 75. I used to be with Aviva who will do the same. A point that may be of interest to people is Aviva has part of a fully comp policy. Will let you drive another car third party , and this is the good bit. Without the other car being insured. I was told its only has long as the car is " in motion" very handy when you purchase an Ebay special and need to drive it home. What happens if you break down or stop for a pie I don't know.

[Bear]

The third party extension is for "Road Risks", most comprehensive policies offered include this for drivers over 25, and it only applies to vehicles you don't own. The road risks cover (as such) is not strictly third-party - as injuries to passengers won't be covered. That can lead to a hilarious* and enjoyable* court case should the worst happen. Co-op used to do the same when they used actual door to door salesmen (and where I was, they may as well have made up prices on the spot - insanely cheap, cover notes written by hand, etc.) and that was fine before the electronic systems.

 

If the other car isn't insured already, it won't show on MID so if you're nabbed by ANPR, enjoy arguing that one in court, and like you say - once you're not driving the car, you're not covered.

 

Arguing the toss on the third-party extension if you're caught in an uninsured vehicle will cost a lot more in time and hassle - and potential fine & points (6+£200-300 minimum+costs) than just getting a temporary additional vehicle (these often disregard NCB so can be expensive for longer periods, but very convenient with Direct Line) or day cover for moving something.

[strangeangel]

Thanks for this chaps, sad to say the car fell through but I'm still looking!