2nd car insurance

[mjb]

Same price for a 950cc petrol than the 1.5 diesel I WAS thinking of buying. Can't get much cheaper than £500 on the comparison sites either. Why oh why oh why can't you use your NCB on more than one car?

[Captain Jack]

And there I was thinking about buying a coop as my 2nd car

[steve_earwig]

It's the other way here, the car is insured, not the owner, so my discount gets put on every car I insure (and the insurance gets sold along with the car). And before you get jealous, last year it cost me 600 quid to insure the HDi 3rd party only

Is there no more limit mileage policies?

[mjb]

And there I was thinking about buying a coop as my 2nd car

It's the lack of NCB that does it - when you get your first 2nd car you need to start a new accumulation of NCB.

Is there no more limit mileage policies?

Yeah, I'm coming close to my coupe's mileage limit, hence looking at a 2nd car (upgrading is ££££)

[turbolag]

Diesels tend to cost more model for model due to the thriving trade in stolen engines, though I can't see many cabbies wanting a 106 engine...?

Apart from my 7 series, I haven't paid over £300 for over a decade. My 2nd 107 was the best, and despite being heavily modified gave me change from £100 fully comp with (then) 21 years NCB protected.

The only 2nd car of my own (as opposed to the missus's) was my '71 Rover 3500 P6. I didn't want a classic policy because I used it to commute to work in good weather and most classic policies specifically exclude that, but even through Swindles on a regular policy with no NCB t'was only £130ish, which didn't go near making up for the 15mpg drink habit.

[highlander]

I just insured my car fully-comp - £542.85 from Direct Line.

I was around £680 last year from Elephant (they were cheapest), and their renewal quote was £617.60.

I'm 29 years old (the premium should drop when I get to 30), and I've held a clean license since September 2007.

I've had one "my fault" accident where I had to claim on insurance - the first week I was driving (I had a Mk.1 Clio 1.2 at that point) I scratched some bloke's brand new Vectra at a nearly blind junction in the pissing rain; caused £800 worth of damage to the paint work on his doors, while my car just got a scuff on the front bumper.

Insurance is way too expensive, IMHO. If they made it much cheaper, there'd be fewer uninsured drivers on the roads, and so they insurers should (in theory) make more money.

[swiss]

Well yes, like road tax it's so expensive because you have to have it. Competition won't drive down the price very far at all because the companies are very comfortable where they are, draining your bank account.

[Doggy]

I've had a 30% 'introductory' discount on a 2nd car in the past, but I had to ask the right question

[skyinsurance]

Hi,

my company may be able to help you. We can usually 'mirror' the NCB from the main car onto the second car and give you a similar discount that you would have got if the NCB was free to use on the second vehicle. I'll drop you a PM.

Kind regards

Ollie
Sky Insurance

[peugeot406rapier]

think yourself lucky when i passed my test nearly 4 years ago at 17 it cost me nearly £3000 to insure a 406 HDI 90 (basic spec) with limited of 4000 miles! mainly because i live in east london i spose, insuring it at my (now ex) girlfriends house in kent halved the premium! after nearly 4 years no claims its dropped to £650 (still in east london) for my 1.8 406 i just think its a con surely they should take other scenarios into account, yes just passed your test jumping into a 2.0 litre turbo diesel 4 door saloon but if you have one are you really going to drive it like a nutter? and with all modern safety gizmo's its safer than a tin can Nova or Renault 5 it seems to be big car big premiums! cant wait to see my premium when i get the 306 Rallye back on the road!

[mjb]

Haha my first car was a 1.8 Renault Laguna Mk.1 "RT Sport". Only cost £600 to insure it, guess that's because they knew it'd fall apart before it got to hit anything. They were right...

[peugeot406rapier]

haha ohhhh i dont know how you can say that about mk1 laguna's they are built like a brick sh*t house....