How do I insure 2 cars cheaply???

GeordieBoy · Post by **GeordieBoy** » Mon Mar 12, 2007 9:27 pm

As you know I have bought a Sierra to use as a Drift Car, I was thinking of selling my 406, but I just cant do that, so I want to keep both and insure both.

I cant use my NCD on 2 cars, so as I'm paying £515 for 406, I just been quoted at £640 for Sierra 3rd party with 0 NCD.

Playtime_Fontayne · Post by **Playtime_Fontayne** » Mon Mar 12, 2007 9:35 pm

Can you get the Sierra on a limited mileage policy, if your not gonna be using it regularly?

GeordieBoy · Post by **GeordieBoy** » Mon Mar 12, 2007 9:39 pm

Hmmm low milage use wont apply this year as it could be used for Crumball and Barcelona Rallies, prob 6,000 miles in 2 weeks there.
Apart from that prob be used 100 mile a week or so.

ThePrisoner · Post by **ThePrisoner** » Tue Mar 13, 2007 12:48 am

Go with Admiral Insurance, and get a joint car policy OR

Isure your 406, and get someone else to insure your sierra and be a named driver on it.

Dunno what else to suggest.

Pris.

darrenwall · Post by **darrenwall** » Tue Mar 13, 2007 1:52 am

how about registering the sierra in a friends name and not insure it and then when u drive it you could say that you borrowed it from the friend and you are covered under your 406 policy because you can legally drive a car that doesnt belong to you on your policy but it will be 3rd party only ?

neildavies · Post by **neildavies** » Tue Mar 13, 2007 7:22 am

I thought the other car would have to be insured by someone. I know a garage owner that does this though and drives cars on his garage policy. But he said the other day that he's been pulled over by the police quite a few times as their computer doesn't recognise it as being insured.

Post by **DaiRees** » Tue Mar 13, 2007 8:07 am

I've just got a separate limited mileage policy for my 4X4, from a "specialist" company (Firebond). No problems at all. You can't use your no claims but it's only costing me £103 anyway. TPF&T, valued at £1K, 3000 miles pa including offroading, me & the wife to drive.

GeordieBoy · Post by **GeordieBoy** » Tue Mar 13, 2007 4:45 pm

I just sorted my insurance out, the peugeot is insured by Liverpool Victoria £415 4 yrs Guranteed NCD until 10/01/08, they quoted me £470 for the Sierra 3rd party, I said no they then went down with an introductory 1 yr NCD to £415 I said no again but they wouldn't go any lower so I rang Admiral and asked for Multicar Quote.

Sierra £356 0 NCD 3rd party f+t insured from 14/03/07 to 13/03/08
Peugeot 5 yrs Guranteed NCD £74 insured from 11/01/08 to 13/03/08 (£438 a yr)

So not a bad result I think, altho it sounds complicated.

niz406 · Post by **niz406** » Tue Mar 13, 2007 7:47 pm

GeordieBoy wrote: I just been quoted at £640 for Sierra 3rd party with 0 NCD.

Dude, thats more than the cars worth! Should of brought an XR4x4

munfred · Post by **munfred** » Tue Mar 13, 2007 9:40 pm

I pay nearly double for my 406 then I do for my saxo.

Citroen Saxo 1.3 with agreed Valuation of £3k, with european and track day cover, Fiance as 2nd driver = £415 (5 year NCD)

Peugeot 406 HDI110 Standard fully comp = £850 (1 years NCD)

May try a combined policy next time, but alot of companies dont give European cover or track day cover for the saxo, infact Adrian Flux told me they wouldnt insure it as it was too modified (WTF!?!)

Make sure you get european cover and AA/RAC/Greenflag european cover if you are doing these events.

Alternatively I can find out the name of the company that does 1 day cover. I know a couple of friends did this last year when they took part in Scumball 2006.
Prices you have been given seem good!

GeordieBoy · Post by **GeordieBoy** » Tue Mar 13, 2007 10:44 pm

I'm in the RAC as personal not car. I assume they come out no matter what car I'm in, pretty sure it covers me for abroad.

But yeah lmk about day cover.

Thanks

Pyros6546 · Post by **Pyros6546** » Tue Mar 13, 2007 11:05 pm

hey am with asda lol which is underwritten by norwich union
pretty cheap 2 even with *cough 9 points cough* on my
licence am only paying £450 mind u thats just as personal
not for track or anything like that and have only put it
down for 7k per year as i do less miles than that

Pyros6546 · Post by **Pyros6546** » Wed Mar 14, 2007 7:46 am

mjb · Post by **mjb** » Wed Mar 14, 2007 7:25 pm

GeordieBoy wrote:pretty sure it covers me for abroad.

Best check that mate, you need to buy separate European cover with the AA

crasin · Post by **crasin** » Sun Mar 18, 2007 4:08 pm

We pay £250 for pug 406 fully comp and i drive 3.0 supra turbo and pay £360 tpf+t which found very resonable try bell they gave us 2yrs introductry bonus for insuring second car but you need to spend hour or so and shop them agaist each other as they change there prices daily both ways! and recently noticed fully comp cheaper than tpf+t!?!

crasin

406oc.co.uk

How do I insure 2 cars cheaply???

How do I insure 2 cars cheaply???

Re: How do I insure 2 cars cheaply???